COMPETITOR ANALYSIS
GRAMEEN KOOTA SANGHAMITRA
1. Model Grameen Bank
2. Mission Providing Doorstep
Banking and Timely Credit
to the Poor, and to
Empower women in the
process
3. Client Members Poorest of poor
4. Type of Programmes Micro Finance Services for
rural and poor women only
5. Funding Agencies ICICI Bank, ING Vysya,
(National) UTI Bank, SIDBI
6. Area of operation Bangalore Rural , Mandya,
Tumkur (3 districts of
Karnataka)
7. Recovery Rate 100%
8. Outreach 400 Kendras (12,000
women members)
9. Operations’ Personnel Kendra Manager
10. Employee Strength 88 (including Kendra
Managers and Head Office
and Brach Office staff)
11. Restriction on First 4 loan cycles restricted
purpose of Loan to productive purposes,
thereafter loans for
consumption purpose is
allowed
12. Products Credit, Savings, Insurance
13. Credit repayment Only for one year
period for client (50 weeks)
member
14. Repayment Weekly
15. Group Formation By Grameen Koota itself
16. Mode of payments Cash
17. Operating cost High (?)
18. Check on loan Done Periodically through
utilisation out the loan repayment
19. Organisation type Not-for-profit, under
Section 25 of Companies
Act
SKS
SHG Model
Providing Timely and
Adequate Credit
Poor and moderately poor)
Micro Credit:
• Urban Programme
• Rural Programme
NABARD, SIDBI
Mysore, Chitradurga,
Bangalore (8 districts of
Karnataka, 2 districts of
Tamil Nadu and 1 district in
Andhra Pradesh)
98%
1000 SHGs(20,000
members)
Credit Manager
55 (including the Urban and
the Rural Programmes and
Head Office Staff)
No restriction in loan
purposes, it’s at the
discretion of the SHG
Credit only
One, two and three years
options available for SHGs
Monthly
By Partner NGO
Cheque
Low(17%)
Done only once for
previous loan before giving
next loan
Not-for-profit, NBFC under
Section 25 of Companies
Act
Grameen Bank
Swayam Krishi Sangam's
mission is to empower the
poorest of the poor to become
self-reliant.
Poor, moderately poor
Micro Finance Services for
rural and poor women only
FWWB, UTI bank, SIDBI,
ICICI bank, HDFC bank
Medak, Hyderabad rural,
Nizamabad (3 districts of
Andhra Pradesh)
100%
35,000 members
Sangham Manager
126(including the Sangham
manager and head office
staff)
No restrictions, ceiling is Rs
10,000 for first year,
increases by Rs 3,000 every
year
Credit, Savings, Insurance
Only for one year
(50 weeks)
Weekly
By SKS itself
Cash
Low
Done periodically
Not-for-profit, NBFC under
Section 25 of Companies
Act