Know SKS Our ApproachOur PhilosophyOur People Financial InfoPartners
Know SKS

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. SKS 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.

SKS 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. SKS also offers micro-insurance to the poor as well as financing for other goods and services that can help them combat poverty.

Our Approach

SKS 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 Philosophy

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 People

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

Financial Info

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


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

Our Journey