BSS Microfinance

Written By Sushma Singh

BSS Microfinance Pvt Ltd (BSS Microfinance) started its microfinance operations in April 2008 by taking over the operations of Bharatha Swamukti Samasthe Trust (BSS), an MFI operating as a trust since 1997.

BSS Microfinance follows the Grameen Bank model of group lending and predominantly offers group loans for a 2-year period with fortnightly repayment. BSS Microfinance, operating predominantly from Karnataka, had a network of 67 branches and a loan portfolio of Rs.184 crore as of September 30, 2013.

BSS Microfinance


Performance on key parameters

  • Loan portfolio increased to Rs.160 crore as on March 31, 2013, from Rs.125 crore as on March 31, 2012, year-on-year growth of 28 percent
  • Maintains healthy collection performance with a collection efficiency of nearly 99 percent. Operations are, however, predominantly concentrated in Karnataka (which accounted for 93 percent of the loan portfolio as on March 31, 2013)
  • Has relationships with 13 lenders as on March 31, 2013; the company also had secured on-demand loan from BSS Trust and BSS Mutual Benefit Trust outstanding on its books as on March 31, 2013
  • Capitalization remains adequate for the current scale of operations; however, the ability to raise capital from external sources will be crucial to help maintain market share
  • The earnings profile is modest, with a return on managed assets of 1.1 percent during 2012-13. Passes on part of operating profit as interest rebates to borrowers; therefore earnings profile remains modest


BSS Microfinance

Subscribe to Moneymint Weekly

Every Sunday we email people like you with top tips, insights and opportunities to manage your finances and build your online business. No hype, no scams, no fake gurus. Sign up below to get the next one.

Please enter a valid email address
That address is already in use
The security code entered was incorrect
Thanks for signing up

Sushma is a full-time blogger and financial expert. Join Sushma and 10,000 monthly readers here to learn how to save and invest your money wisely.

Disclaimer: The content on this site is for informational and educational purposes only and should not be construed as professional financial advice. Should you need such advice, consult a licensed financial or tax advisor. References to products, offers, and rates from third party sites often change. While we do our best to keep these updated, numbers stated on our site may differ from actual numbers. See our Privacy Policy & Disclaimer for more details.