Spandana is one of the fastest expanding micro finance institutions in the country. It is not only amongst the largest MFIs, but also the most efficient in the country with an operating expense ratio of 5.5% on portfolio.

Spandana has achieved this remarkable distinction in a short span of just under a decade since its inception in 1998. This has been possible on account of its highly focused and clearly structured operations.Spandana has continued to successfully manage growth with operations now spanning 8 States Andhra Pradesh, Karnataka, Tamil Nadu, Orissa, Maharashtra, Chhattisgarh, Madhyapradesh and Rajasthan. It now boasts of a client base that constitutes almost 1.5% of the BPL (Below Poverty Line) population of India.


OUR MISSION

To be the leading service provider, creating market driven & equitable solutions for segments not optimally served.

 This will be achieved through a culture of client focus, innovation, efficiency, transparency and excellence for the benefit of all stakeholders.

We endeavor to serve our clients by addressing their complete credit needs so as to bring in significant impact in their living standards. Besides financial intermediation, we would be focusing on sub sector intervention such as dairy development since about 90% of our rural clients have invested their loan amounts on this activity. We retain our core values of professional rigor, efficacy and excellence and remain a client responsive organisation by being humble and receptive to their needs.