Khushhali Bank and PMN provide the bulk of the services given their edge in starting business early on. But these institutions have only provided lending facilities without adequately tapping the deposit base of their clients. Also, their lending profiles reflect a degree of concentration in select regions and sectors.
As of March 2006, 41% of loans distributed by the MFBs are for agri-inputs, 24% for livestock, 26% for small enterprises and 9% for other purposes. This is because Khushhali Bank which accounts for the bulk of this business is rural focused. An analysis of gender-wise loans granted reveals that 84% of borrowers are male. Average loan size of MFBs is Rs 9,300.