Abstract

The case presents an overview of State Bank of India’s (SBI) microfinance programs. SBI is the largest bank in India with over 9,000 branches and is also the largest player in the microfinance sector in India with a market share of around 20%. The bank has been an active participant in the microfinance programs initiated by NABARD since 1992. SBI has taken several initiatives to expand its microfinance portfolio covering one million SHGs. The case discusses some of the unique programs undertaken by SBI to spread its microfinance activities.

Learning Objectives

The case is structured to achieve the following Learning Objectives:

• Role played by SBI in the microfinance sector in India
• Process of Formation and functions of self-help groups (SHGs)
• and Rural banking and microfinance programs of SBI.

Keywords

State Bank of India, Microfinance, Self Help Groups, Rural Banking, SHG-Bank Linkage Program, NABARD, Wholesale Lending, Project Uptech, Microinsurance, Contract Farming, Kisan Credit Cards, Agricultural Banking