{"id":347846,"date":"2025-10-11T19:07:19","date_gmt":"2025-10-11T13:37:19","guid":{"rendered":"https:\/\/forumias.com\/blog\/?p=347846"},"modified":"2025-10-11T19:07:19","modified_gmt":"2025-10-11T13:37:19","slug":"sa-dhan-bharat-microfinance-report-2025","status":"publish","type":"post","link":"https:\/\/forumias.com\/blog\/sa-dhan-bharat-microfinance-report-2025\/","title":{"rendered":"Sa-Dhan Bharat Microfinance Report 2025"},"content":{"rendered":"<p><strong>News: <\/strong>Sa-Dhan\u2019s Bharat Microfinance Report 2025, highlights rising delinquencies in FY2024\u201325 and a temporary slowdown.<\/p>\n<h2>About Sa-Dhan Bharat Microfinance Report 2025<\/h2>\n<figure id=\"attachment_347847\" aria-describedby=\"caption-attachment-347847\" style=\"width: 319px\" class=\"wp-caption aligncenter\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\" wp-image-347847\" src=\"https:\/\/i0.wp.com\/forumias.com\/blog\/wp-content\/uploads\/2025\/10\/Source-TH-2.jpg?resize=319%2C187&#038;ssl=1\" alt=\"\" width=\"319\" height=\"187\" srcset=\"https:\/\/i0.wp.com\/forumias.com\/blog\/wp-content\/uploads\/2025\/10\/Source-TH-2.jpg?resize=300%2C176&amp;ssl=1 300w, https:\/\/i0.wp.com\/forumias.com\/blog\/wp-content\/uploads\/2025\/10\/Source-TH-2.jpg?resize=768%2C450&amp;ssl=1 768w, https:\/\/i0.wp.com\/forumias.com\/blog\/wp-content\/uploads\/2025\/10\/Source-TH-2.jpg?w=902&amp;ssl=1 902w\" sizes=\"auto, (max-width: 319px) 100vw, 319px\" \/><figcaption id=\"caption-attachment-347847\" class=\"wp-caption-text\">Source &#8211; TH<\/figcaption><\/figure>\n<ul>\n<li><strong>Prepared by:<\/strong> The <strong>Bharat Microfinance Report 2025<\/strong> has been prepared by <strong>Sa-Dhan<\/strong>, in partnership with <strong>NABARD<\/strong>, using data from over <strong>200 micro-lending institutions<\/strong> that cover <strong>98% of industry<\/strong> operations.<\/li>\n<li>It brings together <strong>information from credit information companies and industry sources<\/strong> to present a clear picture of <strong>client outreach, portfolio size, regional trends<\/strong>, and the role of different institution types..<\/li>\n<li><strong>Key findings<\/strong>\n<ul>\n<li><strong>Delinquencies increased:<\/strong>\n<ul>\n<li>The share of loans overdue by more than 30 days (PAR 30+) rose to 6.2 percent from 2.1 percent in 2023\u201324.<\/li>\n<li><strong>Rising NPA:<\/strong> The share overdue by more than 90 days rose to 4.8 percent from 1.6 percent.<\/li>\n<li><strong>Bihar<\/strong> showing 7.2 percent loans overdue by more than 30 days and 4.6 percent loans overdue by more than 90 days.<\/li>\n<\/ul>\n<\/li>\n<li><strong>Rural stress: <\/strong>Rural borrowers show the highest stress: <strong>6.4%<\/strong> overdue (30+ dpd) versus <strong>6.1%<\/strong> in semi-urban and <strong>6.0%<\/strong> in urban areas.<\/li>\n<li><strong>Top microfinance states:<\/strong> Bihar, Tamil Nadu, Uttar Pradesh, West Bengal, Karnataka.<\/li>\n<li><strong>Support livelihoods<\/strong> : <strong>91%<\/strong> of loans were used for income generation.<\/li>\n<li><strong>I<\/strong><strong>nclusion<\/strong>: \u00a0<strong>The Self-Help Group Bank Linkage programme<\/strong> also expanded, with total outstanding loans reaching \u20b93.04 lakh crore across 84.9 lakh SHGs, connecting 17.1 crore households to formal credit.<\/li>\n<li><strong>Industry structure<\/strong>: <strong>NBFC-MFIs and NBFCs<\/strong> serve <strong>86%<\/strong> of clients and hold <strong>84%<\/strong> of the portfolio.<\/li>\n<li><strong>Slowdown<\/strong>: Loan accounts fell <strong>13%<\/strong> to <strong>13.99 crore<\/strong>; loan outstanding fell <strong>14%<\/strong> to \u20b9<strong>3,81,225 crore<\/strong>; FY25 disbursements dipped <strong>26%<\/strong> to \u20b9<strong>2,84,130 crore<\/strong>.<\/li>\n<li><strong>Reasons for slowdown: <\/strong>The fall in disbursement and portfolio growth was driven by a liquidity crunch, deteriorating asset quality, tighter regulatory measures, and a cautious lending approach after rapid expansion and rising defaults.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h2>About Sa-Dhan<\/h2>\n<ul>\n<li>Sa-Dhan is an <strong>association<\/strong> of <strong>Impact Finance Institutions<\/strong> and an RBI appointed <strong>Self-Regulatory Organization (SRO<\/strong>) for Microfinance Institutions.<\/li>\n<li>It is the <strong>first and largest association<\/strong> of community development finance institutions in India formed over two decades ago for supporting and <strong>strengthening the agenda of fostering Inclusive Impact Finance in<\/strong> India.<\/li>\n<li>It strives for <strong>creating a better understanding of the microfinance sector<\/strong> among policymakers, funders, banks, governments, researchers, and practitioners.<\/li>\n<li>It is also <strong>recognized as a National Support Organization (NSO) by National Rural Livelihood Mission (NRLM).<\/strong><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>News: Sa-Dhan\u2019s Bharat Microfinance Report 2025, highlights rising delinquencies in FY2024\u201325 and a temporary slowdown. About Sa-Dhan Bharat Microfinance Report 2025 Prepared by: The Bharat Microfinance Report 2025 has been prepared by Sa-Dhan, in partnership with NABARD, using data from over 200 micro-lending institutions that cover 98% of industry operations. It brings together information from&hellip; <a class=\"more-link\" href=\"https:\/\/forumias.com\/blog\/sa-dhan-bharat-microfinance-report-2025\/\">Continue reading <span class=\"screen-reader-text\">Sa-Dhan Bharat Microfinance Report 2025<\/span><\/a><\/p>\n","protected":false},"author":10393,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"footnotes":""},"categories":[1566,3127,1305,12039],"tags":[11872],"class_list":["post-347846","post","type-post","status-publish","format-standard","hentry","category-daily-factly-articles","category-economy","category-index-reports-bodies","category-knolls","tag-9pm-daily-factly","entry"],"jetpack_featured_media_url":"","views":"","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/forumias.com\/blog\/wp-json\/wp\/v2\/posts\/347846","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/forumias.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/forumias.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/forumias.com\/blog\/wp-json\/wp\/v2\/users\/10393"}],"replies":[{"embeddable":true,"href":"https:\/\/forumias.com\/blog\/wp-json\/wp\/v2\/comments?post=347846"}],"version-history":[{"count":0,"href":"https:\/\/forumias.com\/blog\/wp-json\/wp\/v2\/posts\/347846\/revisions"}],"wp:attachment":[{"href":"https:\/\/forumias.com\/blog\/wp-json\/wp\/v2\/media?parent=347846"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/forumias.com\/blog\/wp-json\/wp\/v2\/categories?post=347846"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/forumias.com\/blog\/wp-json\/wp\/v2\/tags?post=347846"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}