Spandana Sphoorty Financial Limited is one oI the largest MicroIinance Institution (MFI) in the

world. Spandana has steadIastly worked on improving processes Ior credit delivery and client
servicing. This has helped in establishing benchmarks in operational eIIiciencies, cost
management and customer support. Thus the viability and scalability oI microIinance model has
been re-enIorced. CEO oI the company is Mr. Sandeep Soni.
Supported by leading Banks and DFIs, Spandana has demonstrated its ability to raise Iunds and
leverage diIIerent capital structures. Spandana constantly endeavour to deliver quality services
to our clients, by reaching out to their doorstep, through our on-roll staII and by maintaining
highest levels oI transparency and integrity. Spandana strive to be the most preIerred employer
in the Industry. Spandana provides micro-credit and credit-plus services to low-income
households and individuals to improve their quality oI liIe
Credit Products
1. General Loan (Abhilasha)
2. Income Generating Loan (Samruddhi)
3. Micro Enterprise Loan (Pragathi)
4. Individual Loan (Sphoorty)
5. Agri-Family Loan (Dharani)
6. Farm Equipment Loan (Karshak)
Credit plus services
1. Spandana Jaldhara SaIe drinking water intervention
2. Renewable-energy product portIolio
3. Curtail Iinancial vulnerabilities through liIe-insurance
4. New Market Linkages

Outreach
Key Outreach Indicators
Mar
2005
Mar
2006
Mar
2007
Mar
2008
Mar
2009
Mar
2010
Mar
2011

Gross Loan PortIolio (Rs. in
mn)
2,388 2,894 3,983 7,313 18,683 35,405 34,359
Cum. Disbursements (Rs. in
mn)
4,887 11,274 17,814 29,687 59,890 117,998 170,932
No. oI Clients (in `000) 391 784 972 1,240 2,543 4,164 5,152
No. oI Borrowers (in `000) 386 722 916 1,189 2,432 3,663 4,177
No. oI Branches (#) 96 208 295 435 944 1,533 1,731
No. oI States 1 2 4 8 10 12 12

8y Abh|shek Goya|