?q=123 Our Approach?q=123 Our Philosophy?q=123 Our People?q=123 Financial Info?q=123 Partners?q=123

Microfinance is an effective tool that can help reduce poverty and spread economic opportunity by giving poor people access to financial services, such as credit and insurance. BFIL distributes small loans that begin at Rs. 2,000 to Rs. 12,000 (about $44-$260) to poor women so they can start and expand simple businesses and increase their incomes. Their micro-enterprises range from raising cows and goats in order to sell their milk, to opening a village tea stall.

BFIL uses the group lending model where poor women guarantee each other’s loans. Borrowers undergo financial literacy training and must pass a test before they are allowed to take out loans. Weekly meetings with borrowers follow a highly disciplined approach. Re-payment rates on our collateral-free loans are more than 99% because of this systematic process. BFIL also offers micro-insurance to the poor as well as financing for other goods and services that can help them combat poverty.


BFIL aims to make microfinance financially self-sustainable. We use systematic processes, technology and training to help ensure we offer quality service to our borrowers.


Our mission is to fight poverty while keeping in line with our core values of “right focus, right means and the right way.” We provide financial services to the poor and use our network to give the poor access to other goods and services that they need.


Our leadership team has deep experience, diverse backgrounds and a shared commitment to creating a leading microfinance institution.


This section contains financial and operational information, as well as background on how BFIL has introduced mainstream financial instruments into microfinance.


Bharat Financial Inclusion Limited is honored to work with a world class group of partners and supporters. When it started out as a small non-governmental organization, BFIL received early support from friends and family. As BFIL grew, so did its list of partners.

Our Journey