Our services are as per the convenience of the clients. All the terms and conditions of the loans are made known to the clients to maintain our core value of Transparency. We have no hidden charges in the name of value added services and compliance with Statutory requirements.
Income Generation Loan (Abhilasha) Abhilasha stands for A "Aspiration". This loan is designed for economically active low-income households who have
Micro Enterprise Loan (Pragathi) Pragathi stands for A "Progress". This product is offered to those microfinance clients who have slightly higher
Phinix These Loans helps women to set up and expand income generating activities,smoothen household cashflows and acquire productive assets.
Shree Loan (SR) Shree stands for A "Good Beginning". This loan is offered in AP and Telangana after a gap of three years post AP Crisis.
Gold Loans (Keertana) Gold Loans are given against mortgage of Jewelry. Loan size range from Rs.2,000 to Rs.10,00,000.
Other Initiatives Spandana strongly believes in giving back to the community for the individual and the welfare of the society.
( Managing Director )
( Nominee Director )
( Nominee Director )
Sound governance practices and responsible corporate behaviour contribute to superior long-term performance of companies. A best practice on governance issues is an evolutionary and continuing process. There is no single template to define good governance. Broadly, however, corporate governance practice embodies the dual goals of protecting the interests of all stakeholders while respecting the duty of the board and senior management to oversee the affairs of a company, ensure accountability, inculcate integrity and promote long-term growth and profitability……more
|Key Outreach Indicators||Mar-07||Mar-09||Mar-10||Sep-10||Mar-11||Mar-12||Mar-13||Mar-14||Mar-15||Mar-16||Aug-16|
|Gross Loan Portfolio (Rs. in mn)||3,983||18,683||35,405||44,216||34,359||27,045||22,232||21,072||22,462||20,186||21,486|
|Cum. Disbursements (Rs. in mn)||17,814||59,890||117,998||158,159||170,932||185,309||201,107||217,780||237,673||255,606||264,775|
|No. of Clients (in `000)||972||2,543||4,164||5,157||5,152||4,641||3,443||3,416||3,324||2,012||2,042|
|No. of Borrowers (in `000)||916||2,432||3,663||4,506||4,177||3,444||2,472||2,252||2,042||1,777||1,819|
|No. of Branches (#)||295||944||1,533||1,856||1,731||1,674||1,144||1,063||787||523||518|
|No. of States||4||10||12||12||12||12||11||11||12||12||12|
Our customers aspire to dream and strive hard to make the same dream come true, but due to their financial condition it becomes very difficult to chase the dream. Hence we at Spandana give them the monetary support to convert their dreams into reality. Dreams vary from person to person so does the loan requirement and we cater to all our customer needs.