ABOUT US
What we do?
Creating Access. Enabling Opportunity.
Midland Microfin Limited is a technology-enabled NBFC-MFI focused on expanding access to responsible financial services across rural and semi-urban India.
With a presence across 16 states and 2 Union Territories, we serve women borrowers, low-income households and micro-entrepreneurs through financial solutions designed to support income generation, enterprise development and stronger livelihoods.
Our approach combines deep on-ground reach with technology-led onboarding, credit assessment, servicing and risk management, allowing us to grow responsibly while staying connected to the communities we serve.
Our Philosophy
We believe access to finance can create lasting opportunity when it is responsible, inclusive and rooted in the needs of the customer.
Our approach places women and their livelihoods at the centre, combining responsible lending, technology and strong community relationships to support financial independence and sustainable progress.
The JLG Model
Midland Microfin adopts the ‘Grameen Model,’ using Joint Liability Groups (JLGs) of 3-7 women each for mutual support and timely loan repayments. Our technology-driven approach ensures efficient operations and robust monitoring, empowering women borrowers for responsible financial management.
Facilitated by Centre Officers, JLGs leverage peer pressure and social bonds for credit discipline, enabling risk-free lending. Our collateral-free model and focus on women borrowers drive economic empowerment and community upliftment, setting a benchmark for impact and efficiency in the Indian financial inclusion space.
Individual Loan
Midland Microfin Limited provides unsecured individual loans to its graduated and lateral microfinance borrowers to fulfil their needs related to working capital, replenishing inventory, expanding operational capabilities, boosting dairy farming business and other business-enhancing initiatives. Borrowers must have stable cash flow to ensure the timely repayment of the loan amount.
Identification
Conducting village/area surveys to identify eligible rural women customers who can benefit from loans.
Financial Literacy Trainings
We offer training sessions on financial literacy to help customers develop effective money management skills.
Disbursement
Disbursing funds to
support the operation of their businesses.
Group Formation
Forming customer
groups of 5-10 women by
our field officers.
Group Appraisal
Following a detailed
application process to
shortlist potential
customers.
Repayments
Post disbursement,
following a robust
monitoring mechanism
to offer timely guidance
and ensure collection of
EMIs.
Identification
Conducting village/area surveys to identify eligible rural women customers who can benefit from loans.
Financial Literacy Trainings
We offer training sessions on financial literacy to help customers develop effective money management skills.
Disbursement
Disbursing funds to
support the operation of their businesses.
Group Formation
Forming customer
groups of 5-10 women by
our field officers.
Group Appraisal
Following a detailed
application process to
shortlist potential
customers.
Repayments
Post disbursement,
following a robust
monitoring mechanism
to offer timely guidance
and ensure collection of
EMIs.