What Sa-Dhan actually does
Sa-Dhan (Association of Community Development Finance Institutions) Sa-Dhan
Community-development finance's SRO: standards since 2015
Sa-Dhan (RBI recognition 2015) is the SRO for the microfinance and community-development finance sector. Its published SRO practice is the most tool-like of the older SROs: field assessment, self-assessment instruments, district-level studies and an annual statistical benchmark (Bharat Microfinance Report).
SRO tools & supervision
- Regular Field Assessment Visits to member MFIs
- Self-Assessment & Monitoring Tool; institutional-level risk analysis
- Credit Assessment Framework; district-level microfinance status studies
- Compliance Officer mechanism anchoring SRO processes
Consumer touchpoints
- GRM toll-free grievance number 1800-8899-270
- Industry Code of Conduct; Sankalp guardrails for sector conduct
- District-wise interest-rate tracking and publication
Data & benchmarking
- Bharat Microfinance Report — the sector's annual statistical benchmark
- Quarterly microfinance reports; '10 Years As SRO' retrospective (2015-2025)
Gaps & open questions
- Member roster not published (claims 200+ institutions in PR materials)
- GRM outcomes/complaint statistics not published