Startup Atlas · Financial Services

Midland Microfin Limited

Midland Microfin Limited ● Jalandhar, Punjab ● Founded 2011 ● midlandmicrofin.com ↗
Amardeep Singh Samra · Promoter & Managing Director
$13.11 MnTotal funding (tracked)
2Funding rounds
30 Sep 2021Last round

Midland Microfin Limited: Business Model Canvas

The nine-block Business Model Canvas, filled in only where a public source states it — empty blocks mean we haven't found a citable fact yet, not that the answer is zero.

Value Propositions

World-class, technology-driven microfinance for the progressive poor source
Collateral-free Joint Liability Group (JLG) lending on the Grameen model source
Financial and social empowerment of women source

Customer Segments

Rural, low-income women micro-entrepreneurs source
Graduated/lateral microfinance borrowers (individual loans) source
200,000+ borrowers across 100+ branches (2018 baseline, via Oikocredit partner profile)

Same partner page's data fields (not running text) list 852,519 active borrowers, 100% female, 96.79% rural, last synced 10/01/2025.

source

Customer Relationships

Peer-group credit discipline facilitated by Centre Officers source
Financial literacy training for borrowers source

Channels

570-branch network across 15 states and 2 Union Territories (as of Sep 30, 2025) source
Field-officer-led group formation source
Business-correspondent (BC) partnerships with banks source

Key Activities

Credit appraisal and group formation source
Post-disbursement monitoring and EMI collection source
Loan disbursement at scale — ₹12,974 crore+ disbursed since inception (per company)

Company's own branch count (618) is higher than CARE Ratings' independently verified 570 branches as of Sep 30, 2025 — likely reflects a later/unverified update on the marketing page.

source

Key Resources

No cited public information yet.

Key Partnerships

Equity investors: Kitara Capital and ICICI Bank source
Refinance/development-finance lenders: NABARD, MUDRA, SIDBI, NSFDC source
Insurance partners: HDFC Life, Digit Life, Kotak Life source
Oikocredit (via Maanaveeya) — impact-investment partner since 2018 source

Revenue Streams

Interest income from JLG and individual microloans source
Credit-linked insurance premiums source

Cost Structure

No cited public information yet.

FAQs on Midland Microfin Limited

What is Midland Microfin Limited's business model?

Midland Microfin Limited's core value proposition centers on World-class, technology-driven microfinance for the progressive poor, Collateral-free Joint Liability Group (JLG) lending on the Grameen model, Financial and social empowerment of women.

How does Midland Microfin Limited make money?

Midland Microfin Limited's cited revenue streams include Interest income from JLG and individual microloans, Credit-linked insurance premiums.

Sources & corrections. Every fact on this page is compiled from cited public sources — follow the "source" links beside each entry. Profile sources: midlandmicrofin.com · Last verified 9 Sep 2026. · Report a correction