About Sambandh


“We treat every customer as our preferred customer” – Mr. Livinus Kindo IAS (Retd.), Founder Chairman, SFPL

SFPL is an Inclusive Financial Institution, registered as a Non-Banking Finance Company – Micro Finance Institution (NBFC-MFI) with the Reserve Bank of India and offering customized solutions in the areas of Inclusive Finance through its lending and financing solutions to the low-income, marginalized and scheduled tribe community of Chhotanagpur region in the Eastern India.

Over the last decade SFPL has built a portfolio of over INR 2570 Mn, serving about 1.5 lakh clients. A total of 57 branches are in operation in 24 districts of these states. (as on September 2018). It is a client centric organization, with its dedicated Financial Well-being Branches that offer personalized credit and wealth management solutions to its clients.

Moreover, the Company envisages a socio-economic prosperous society, in a broader sense the organisation wants to meet the financial needs of the unorganised and informal sector by delivering a basket of customised products at the doorsteps of the target clients, mostly the poor tribal segments in the Chhotanagpur region. The economically backward women from the region over the years have taken the benefit of doorstep financial services from SFPL to engage themselves in pursuing different income-generating activities. These women then use income from their businesses to repay the loans, contribute in household expenses and send their kids to school. And as their businesses grow, many take out small loans to build toilets and improve their homes.

Apart from providing these affordable financial services, the organisation takes the client-MFI relationship to the next level. The clients are also upskilled in managing their expenses and given technical input on individual’s/group’s economic activities to scale up and diversify their sources of income. Financial Literacy Trainings are organized under its different branch locations spread across the operational states. This has been taken upon more systematically with the success of the SIDBI-PSIG Financial Literacy and Women Empowerment (FL & WE) program.

The years of commendable work of the Team Sambandh has recently been appreciated in National Level, and the NBFC-MFI received the IFI Awards, as MFO of the Year 2017 (in Small & Medium Category) at the Inclusive Finance India Summit in New Delhi, one of the most acclaimed awards in the financial inclusion spectrum jointly constituted by ACCESS and HSBC.