EasyProblemSolving
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24 Clauses | 270+ Practice Checks | 27+ Metric Checks | RoA-Linked Roadmap
For MFIs: Know where to act now
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Fix high-PAR markets, stabilize stressed but valuable districts, accelerate under-penetrated pockets, incubate new ones.
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Clause-level scorecard for branch routines; 100- and 300-day action plan tied to GLP, Opex, and credit cost.
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Traffic-light EWS, market heat-maps, and “fix-first” list you can start on Day 1.
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Example Quadrant shows, Prioritised regions with specific actions to be taken
For Investors: Price execution risk upfront
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X-ray of on-ground strategy execution before capital deployment or add-ons.
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Maturity-to-RoA model quantifies upside; independent scoring vs. SARTHI benchmark.
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Board-ready view of growth, efficiency, and risk levers with governance checkpoints.
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Graph shows impact of +1 pp RoA uplift at 4× leverage can add ₹60+ Cr to book value in 5 years without fresh capital (for 400 Cr GLP MFI)
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SARTHI Framework: From Board-Room Governance to Branch-Level Results
24 clauses assess approach and deployment of processes from strategy via policy to SOP and on ground adherence and effectiveness
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Leadership (1.x) — purpose, governance, partnerships
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Processes (2.x) — pre-sourcing to collections, PAR, capacity, compliance, digital
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People (3.x) — recruitment, training, performance, engagement
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Outcomes (4.x) — growth, efficiency, CX, people, process health, risk
SARTHI : Driving Valuation via Operational levers
SARTHI turns 270+ operational requirements into measurable RoA gains.
By sharpening pre-sourcing, boosting conversion, and building well-trained field teams, MFIs can lift yields by 20–90 bps.
Smarter route clustering, shared-services handoffs, and branch productivity scorecards release 7–35 bps in just 12 months.
Tighter sourcing, universal CBC locks, and a day-one collection playbook can slice LLP by 25–120 bps.
Each lever is activated via clause-level interventions, driving faster growth, lower costs, and stronger portfolio quality.
How SARTHI Works
Data-blitz + frontline pulse check. Snapshot of cost leaks, PAR flare-ups, revenue pockets, compliance red flags
Quick Scan - 15 days
Boots-on-ground audits + data forensics grade all pillars. 100- & 300-day value roadmap tied to RoA, Opex, LLP.
Full Diagnostic & Roadmap
Independent scoring vs. SARTHI benchmark earns a credibility badge recognized across the sector.
Accreditation
Team SARTHI : 25+ years of turning frameworks into P&L results
End-to-end transformations for tier-1 NBFC-MFIs. Opex cuts, risk tightening, throughput acceleration.
Shishir Shrimal
Co-founder
Cross-sector ops: BFSI, Microfinance, Utilities, Healthcare, Tech Centers
Sushant Pande
Co-founder
Operational excellence and branch-level control systems. Accreditation Expert.
Dibyendu Das
Partner
Let’s put SARTHI to work in your portfolio
Pilot results in 60 days — ROI you can price in the next IC round.