CASE STUDY #118
IIFL SAMASTA FINANCE
Financial Inclusion Through Women-Centric Microfinance
Financial exclusion remains a significant obstacle to equitable socio-economic progress in India, especially among rural women, low-income families and marginalised groups without access to formal financial systems. Traditional banks have often failed to deliver accessible, affordable and tailored financial products to these segments due to geographic remoteness, low-transaction margins and perceived credit risks. IIFL Samasta Finance Ltd emerged as a focused microfinance institution addressing this gap through prudent lending, women-focused financial empowerment and technology-driven inclusion. Since 2008, the organisation has grown into one of India’s top NBFC-MFIs, operating 1,648 branches across 22 states and serving over 3 million customers. Its diverse product range, including income-generation loans, sanitation support, dairy cattle financing, business loans and two-wheeler lending, creates sustainable livelihoods for underserved communities. Simultaneously, IIFL Samasta has embedded digital customer engagement, streamlined payments, paperless onboarding, financial literacy and dispute-resolution systems to increase access and enhance the customer experience
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