Microfinance in India: The Case of ICICI Bank



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Code :BSM0060A

Year :
2008

Industry : Banking, Insurance and Financial Services

Region : India

Teaching Note:Available

Structured Assignment :Available

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Abstract: Since its entry into Indian microfinance sector in 2001, ICICI Bank, one of the largest private sector banks in India achieved remarkable progress in its portfolio. Instead of the conventional branch-banking model, it opted to differentiate it operational model, to foray into rural markets to tap lucrative opportunities in the Indian microfinance sector. Apart from basic microfinance services, it planned to offer various financial products like weather insurance, health insurance, remittance services and commodity derivatives to rural masses. But, it faced stiff competition from commercial and other foreign banks, which were determined to boost their presence in the Indian microfinance sector. Apart from that, the bank faced major challenges like information irregularity, inability of poor people to offer collaterals and lack of details of credit history. The case facilitates discussion on whether ICICI Bank will able to sustain its partnership model as the Indian microfinance sector becomes lucrative.

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Pedagogical Objectives:

  • To assess the opportunities and challenges in Indian microfinance sector
  • To understand evolution of 'SHGs-Bank Linkage' programme in Indian microfinance sector
  • To evaluate growth and feasibility ICICI Bank's 'Partnership Model'
  • To assess competitive scenario shaping up for ICICI Bank and it impacts.

    Keywords : Microfinance; Microfinance in India; Market Entry Strategies Case Study; ICICI Bank; SHGs-Bank Linkage Program; IRDP; NABARD; Regional Rural Banks; Entry Level Strategy; Bank of Madura (BoM); Partnership Model; Microfinance Institution in India; SHARE Microfin Ltd; Grameen Foundation; Centre for Microfinance Research; Institute for Financial Management Research

    Contents :
    Microfinance in India
    ICICI Bank: Doorway to Microfinance
    Challenges and Future Ahead


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