Operation At A Glance

SL.N	ASPECT	2018-2019	2017-2018	2016-17
1	No. of  District	6	6	5
2	No. of  Branch	4	4	4
3	No. of Centre	207	206	204
4	No. of. Staff	30	30	32
5	No. of Credit Officer	16	14	15
6	No. of Group (SHGs)	736	666	652
7	No. of Group members	11,537	10,502	9,991
8	No. of net Borrowers	5,388	5,001	5,236
9	Loan outstanding from Borrowers	6,73,18,740	5,38,07,318	4,65,01,357
10	Loan outstanding to funders	6,38,36,011	4,62,38,353	4,11,44,559
11	Current repayment rate	100	100	100%
12	No of loan disbursement	6647	6402	6071
13	Amount of loan disbursement	13,58,89,850	11,32,09,510	9,175,4,164
	EFFICIENCY AND PRODUCTIVITY RATIO
1	Active clients per staff	179	168	169
2	Borrower per loan Officer	336	333	349
3	Loan amount per Credit officer	4,20,7421	35,87,154	31,00,090
4	Average outstanding loan size	12,494	10,759	8,881
5	Average loan size disbursement	20,446	17,683	14,165
6	Operating expenses ratio	14.73	19.55	22
7	Clients turn over	16.63%	13	24
8	CAR	11%	12.66%	13.72%
	SUSTAINABILITY AND PROFITABILITY
1	Operational self sufficiency (OSS)	103	99.22	104
2	Financial self sufficiency  (FSS)	103	99.22	104
3	Return on Asset	0.64	0.70	1.73
4	Return on Equity	6.90	6.51	15
	ASSET /LIABILITY MANANGEMENT
1	Yield on Gross portfolio	26	28.27	23.77
2	Portfolio to asset	73	82%	82.05
3	Cost of fund	11.59	14.60	8.19
4	Debt to equity	10.89	8.51	6.44
PORTFOLIO QUALITY
1	PAR > 30 DAY	0	0	0
2	Write off Ratio	0	0	0

Existing Groups and Clients.

	Group	No. Of Client
SHG	736	9,658
Entrepreneur		1,879
Total	736	11,537

Active Borrowers

	Groups	Members	Amount
SHG	523	4,489	Rs.5,47,39,448
Entr.	191	789	Rs.1,14,77,703
Clean energy	–	110	Rs.   11,01,589
Total	714	5,388	Rs.6,73,18,740