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Our Mission

Seba mission is to create opportunities for the distressed disadvantage and deprived segments of the society with a prime.....

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Our Vision

With a vision of a just enlighten healthy and democratic India free from the evil of gender discrimination illiteracy, secured hunger..

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Governance

Seba governance board consists of seven Directors. The directors hold substantial experience in the field of Banking....

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Members

Seba has a very expert and experience management team. Management team hold good operational experience in Micro Finance....

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       As on: 31/08/2017

Sl. No. Particulars Achieve As on August,2017 Achieve As on March,17
  Organizational Profile    
1 No. of States 2 2
2 No. of Division 1 1
3 No. of Branches 10 9
4 No. of District Covered 4 4
5 No. of Staff 64 64
6 No. of Credit Officers 32 32
7 No. of Block 25 12
8 No. of Village 531 415
  Outreach    
9 No. of Groups 835 771
10 No. of Members 16470 16693
11 Borrowers 14490 14562
12 Margin/Security Money in Rs. Lakh 0 0
  Loan Portfolio    
13 No. of loan disbursed in this month 1791 1879
14 No. of loan disbursed during the year 5827 15247
15 No. of Cumulative Loan Disbursed

114667

108839
16 Loan disbursement in this month in Rs. Lakh 339.44 357.51
17 Loan disbursement during the year in Rs. Lakh 1186.71 2772.94
18 Cumulative Loan disbursement in Rs. Lakh 13890.83 12704.12
19 Loan Outstanding in Rs. Lakh (Own portfolio) 1589.42 1589.47
20 Amt of loan repayment due in this year 1186.97 2406.44
21 Amt of loan repayment received in this year 1186.76 2396.39
  Portfolio Quality    
22 Average Loan Size in Rs. 20,365 18186
23 Repayment Rate (%) 99.98% 99.58%
24 Cum. Repayment Rate (%) 99.99% 99.99%
  Productivity    
25 No. of Loan per Credit Officer 453 485
26 Amount of Loan per Credit Officer in Rs. Lakh 49.66 52.98
  Bank Loan Information    
27 Bank Loan received during the year in Rs.lakh 650 1012.50

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Dear friends,

It is a great pleasure for SEBA to present this website, for portraying our policies and strategies for the valued viewers and all the stakeholders of the organization. SEBA was registered on 28.03.06 for escalating the socio-economic status of the less-privileged people of the society with prime focus on the women who are eclipsed by abject poverty and multifarious social adversities.

The journey has been excruciating through a precipitous path full of formidable impediments. With tremendous grit and tenacity we are surmounting the recurrent obstacles for achieving our pre-determined objectives.

The unfortunate incident which took place in Andhra Pradesh,has exerted adverse impact upon the entire sector. The Micro-finance institutions have borne the brunt.

As a reaction to this aftermath, RBI has taken the initiative for streamlining the discipline & regulation of MFIS through a sub-committee of the central Board of the Reserve Bank (Chairman Y.H. Malagam). It was framed to study & appraise the intricacies and subtleties of the MF sector.

The committee is designated as Malagam Committee. On the basis of the recommendations of the committee, RBI has taken some stringent steps. If this situation continues to persist , then we shall be circumstantially compelled to adopt some alternative strategies.


Thank you all  

   signature
   Subrata Ghosh
   Secretary of Seba rahara


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Even after circumspect vigilance and conscious effort to ensure excellence, it is not always possible to rule out the operational flaws. Inadvertent flaws can make our customers pestered and grievance may crop up within them.

Hence with utmost sensitivity and empathetic approach we have developed a resilient mechanism of addressing any probable grievance ventilated by the customers . The different aspects of the grievance redressal mechanism are enumerated below :

a.)  We have installed Complain Box in our Head Office & Branches for receiving any written complaint lodged by the clients.

b.)  We have also introduced a help line number (033)65486901 through which the clients can establish communication with H.O. Our HRD official maintain a comprehensive register to ensure meticulous documentation of all the complaints received from the clients wither directly or through the field level staff .

c.)  If any corrective action is initiated then the time and maneuver of the action also gets documented.

d.)  We have appointed one of our Directors as the responsible officer-in charge for mitigation of grievance.

e.)  Our R.M & Operational Manager visit in a branch on a weekly & monthly basis for executing the task of monitoring & problem diagnosis. If they trace out any operational flaw ,which has made the customers troubled, then immediately a corrective intervention gets engineered to assuage the problem of the clients.

f.)  We also arrange monthly management meeting in H.O. where grievance of the field staff & clients are discussed with due gravity. Strategies get instantaneously formulated for ensuring the mitigation of the problems.

We hope that through our proactive approach we shall be able to satisfy our customers and deescalate the probability of any sort of grievance-crystallization within their mind.

Seba Rahara