YATRAan update on Margdarshak

ISSUE - SEPTEMBER 2016

ABOUT USHeadquartered in Lucknow, Uttar Pradesh, Margdarshak Financial Services Limited (MFSL) is an NBFC-MFI and undertakes financial inclusion in North India particularly Uttar Pradesh, Bihar, Haryana & Uttarakhand. Working towards the objective of economic empowerment for women and poverty alleviation in North India, MFSL is engaged in providing microfinance to the poor and marginalized communities. The company follows the SHG and JLG methodology for lending to artisans, MSMEs and entrepreneurs both in rural and urban areas.

MFSL is led by a highly competent board consisting of promoters, institutional nominees and independent directors of repute. Cumulative disbursement as of September 2016 has touched Rs. 422.79 crore to over 291367 families through its network of 106 branches in UP, Bihar, Haryana and Uttarakhand.

SHAREHOLDING PATTERNName of Share Holder % Holding

SIDBI 19.73%

Dia-Vikas Capital Pvt. Ltd. 39.89%

Promoter’s& Promoter Group 27.93%

Employee Welfare Trust and Other Individuals 12.45%

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RATINGS AND ASSESSMENTS

Name of Assessment Year Score

Long Term Bank Facilities (BLR) 2015 CARE BBB- (Triple B Minus)

CARE MFI grading 2016 MFI-2

Access COC Assessment Report 2015 A+

CERTIFICATES/AWARDS-- MSME Banking Excellence Award by Chamber of Medium Small Micro Enterprises

- Group Process Excellence Award by Royal Bank of Scotland

Products & Services as of September 2016

Credit Based Product Portfolio Share (%)

Income Generation Loan 99.96%

Credit Based Product 0.04%

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MARKET POTENTIAL & GROWTH PERSPECTIVES

As of September 2016, MFSL has achieved a GLP of INR 249.23 crore. Over the next 4-5 years the business is expected to register high growth and the growth rates is estimated to settle down around 26%. MFSL has achieved an OSS of 112% which is expected to show more improvement over the next 5 years.

For expanding its outreach, MFSL has identified areas which remain un-served or underserved by microfinance. The key focus of the organisation remains on Uttar Pradesh, Bihar, Haryana and Uttrakhand over the next 3 years. Surrounding pockets of Himachal Pradesh will be covered in coming FY depending upon the financial resources available with the organization.

GLP & NUMBER OF BORROWERS

AUM GROWTH (Rs. in Cr)

YATRAan update on Margdarshak

ISSUE - SEPTEMBER 2016

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CLIENT OUTREACH

PAR

STATEWISE DISTRIBUTION OF GLP

NUMBER OF BRANCHES & DISTRICTS

NUMBER OF STAFF & FIELD OFFICER

PBT/PAT

NETWORTH

CRAR

YATRAan update on Margdarshak

ISSUE - SEPTEMBER 2016

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PROMOTERSMr. Rahul J. Mittra, Co-founder, MD & CEOArupjyoti Rai Baruah, Co-Founder

BOARD OF DIRECTORS1.Mr. Rahul J. Mittra, MD & CEOPG in Psychology, he has over 20 years of experience in microfinance and rural development. He specializes in rural finance, organizational development, strategy development and operations management. He has previously served with Entrepreneurship Development Institute of India as Faculty member (1998-2004)and with Asian Centre for Organisation Research and Development (ACORD) as programme officer (1996-98). He established Margdarshak group in 2004 for building a sustainable model of economic development in North India

2. Mr. Arupjyoti Rai Baruah, Whole Time DirectorAlumnus of Institute of Rural Management, Anand (IRMA) & B. Tech from Assam Engineering College, Arup possesses over 25 years of experience in development and corporate sector. He specialises in enterprise development and has previously worked as consultant for entrepreneurship for UNIDO-Jordon (2002-2006). He was earlier associated with Entrepreneurship Development Institute of India, Nagarjuna Fertilizers and SAIL. He oversees the functioning of consulting and livelihood development functions of Margdarshak group.

3. Mr. D P S Rathore, Independent Director & Non-Executive Chairman of the Board

Over 36 years of banking experience with the Reserve Bank of India, he retired as Regional Director . He specialises in banking, finance, legal, human resource (specially training)and financial literacy training. He chairs the Board HR & Compensation Committee and is a member of ALCO.

4. Mr. K Prasad, Independent DirectorMr. Prasad has over 35 years of banking experience with Reserve Bank of India, from where he retired as Chief General Manager. He has extensive experience in the areas of Supervision and Examination of Non- Banking Financial Institutions & Banks . He holds a M.Sc. Degree and is a Certified Associate of Indian Institute of Bankers (C.A.I.I.B). He chairs the Audit Committee of the Board and the Board Risk Management Committee.

5. Ms. Maitrayee Banerjee, Independent DirectorOver 30 years of banking experience with public sector bank in India and abroad , she retired as General Manager (UCO Bank). She has extensive experience in Credit, MSE, Self-Help Groups, Government Sponsored Schemes, Mid-Corporate and Corporate Credit - processing, sanction and monitoring. She also holds experience in Foreign exchange and Treasury Experience.She is a member of the Audit Committee of the Board.

6. Ms. Saroj Mittra, Whole Time DirectorM. Com., CAIIB with over 19 years of experience, she has previously worked with SIDBI for over 11 years in different managerial capacities in various streams ranging from internal audit, direct finance and accounts and finance and is a Certified Associate of Indian Institute of Banking. She possesses extensive financial management skills and is responsible for prudential norms in financial management, business planning, development of financial management systems and overseeing information management systems within the organisation.

7. Mr. Saneesh Singh, Nominee Director (Dia Vikas)CEO at Dia Vikas Capital Pvt. Ltd., he has over 25 years of experience in the fields of development, banking & finance, microfinance, financial inclusion, MSME lending, capital structuring and social and impact investments. He has worked for over 16 years in various senior managerial capacities in SIDBI and holds a PGD in Information Management and Systems Administration, a Master’s Degree in Social Work and is a British Chevening Scholar of Banking and Finance from The London School of Economics and Political Science.

8. Mr. Bhanu Verma, Nominee Director (SIDBI)DGM in SIDBI, he has over 23 years of experience in the field of Development Banking, Promotion & Financing of MSMEs and Micro finance. He has served the Bank in different capacities including Branch Head of important Branches and has rich experience in project finance, treasury, forex operations, technology up-gradation financing, receivable financing, equity financing, Indirect Finance.

MISSION“Providing a holistic bouquet of financial products and services to the economically weaker enterprising sections of the community for enabling mainstreaming and socio-economic betterment.”

VISION“Adapting industry best practices in all aspects of organisation for emerging as financial services provider for families in Uttar Pradesh, Bihar & neighboring states.

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YATRAan update on Margdarshak

ISSUE - SEPTEMBER 2016

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WE THANK YOU OUR VARIOUS LENDERS AND LOOK FORWARD TO ACHIEVE TARGETS FOR 2016-17.

AWARDS MFSL was declared winner of MSME Banking excellence award under NBFC-MFI category by Chamber of Medium, Small and Micro Enterprises.

CORPORATE OFFICE118, Dayal Farms, Ganeshpur-Rehmanpur, Chinhat, Deva Road, Lucknow-226019 (UP) Ph: 0522-4025811