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Loan disbursal to micro-finance institutions rises 43%
The Sunday Guardian
|January 12, 2025
The quarterly average ticket size of Micro Finance Institutions (MFIs) loan disbursal rose 43 per cent from Rs 35 thousand to Rs 50 thousand between September 2021 to 2024, as per the Financial Stability report of the IIFL Capital.
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The report, however, noted the issue of delinquencies, as it observed that the rate was high among borrowers with loans from multiple lenders and those with higher credit exposure.
The report highlighted that nearly half of the borrowers availing the unsecured loans have another live retail loan, often a high-ticket loan.
About 11 per cent of borrowers with Personal Loans (PL) greater than Rs 50,000 had an overdue personal loan and over 60 per cent had availed more than three loans during FYTD.
Moreover, nearly threefifths of customers who availed of personal loans in 2QFY25 had more than three live loans at the time of origination. As a result, impairment is rising in unsecured loans.
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