Sanghamithra Rural Financial Services 
Set of Financial Standards
            Benchmark Jun-08 Jun-07 March-08      
1 MARGIN                                        
a Yield Admin Chrg from operations ########[1] 6.15% ######## 5.97% ######## 3.00%       17,182,526 3.52%     10,092,395 2.99%     48,652,622 12.47% ######## 11.63% ######## 9.42% ######## 8.99%
    Average Loan o/s  ########[2]   ########   ########       487,630,032     337,303,593      390,173,827   ########   ########   ########  
    Annualised   12.29%   11.94%   11.98%     3.52%   2.99%   12.47%   11.63%   12.56%   11.98%
                                           
                                           
b Other Income Ratio Other Income from opns                          (except Admin charges) ######## 2.66% ######## 2.49% ######## 1.74%         2,151,040 2.08%       2,288,886 2.62%     10,646,135 2.30% ######## 2.80% ######## 2.39% ######## 2.58%
    Value of Loan disbursed ########[3]   ########   ########       103,218,000       87,390,000      463,835,000   ########   ########   ########  
                                           
c Avg.Cost of Funds  Admin Chrg paid on Borrowings  ########[4] 3.80% ######## 3.18% ######## 1.28%         9,774,846 2.00%       6,491,188 1.92%     30,756,644 7.88% ######## 6.47% ######## 5.62% ######## 4.89%
    Average Loan o/s  ########   ########   ########       487,630,032     337,303,593      390,173,827   ########   ########   ########  
    Annualised   7.60%   6.35%   5.12%     2.00%   1.92%   7.88%   6.47%   7.49%   4.89%
                                           
d Net Margin/Spread      ( a-c)     4.69%   5.59%   8.60%     1.52%   1.07%   4.59%   5.16%   5.07%   7.09%
                                           
2 EFFICIENCY                                        
                                           
a Operating Cost Ratio Operational Expenditure  (Excl.Depn, Loan loss Prov and borrowing cost) ########   ########   ########[5]   Less than 20%       4,212,864         3,385,711       14,313,984   ########   ########   ########  
     Avg Loan outstanding  ########   ########   ########       487,630,032     337,303,593      390,173,827   ########   ########   ########  
    Annualised   3.39%   3.89%   3.26%     0.86%   1.00%   3.67%   3.95%   3.25%   2.92%
                                         
b Total Cost Ratio Total Expenditure ########[6]   ########   ########[7]   Less than 30%     14,838,652       11,986,898       59,693,826   ########   ########   ########  
    Average Loan o/s  ########   ########   ########       487,630,032     337,303,593      390,173,827   ########   ########   ########  
    Annualised   13.34%   11.76%   9.67%     3.04%   3.55%   15.30%   12.60%   10.75%   8.83%
                                           
                                           
3 ASSET QUALITY                                        
                                           
a Portfolio at Risk > 90 Days Past Due Total Balance of Past Due Loans            ( Above 90 days of age) ######## 2.99% ######## 3.00% ######## 4.98% Less than 10%     10,800,000 2.21%     11,085,349 3.26%     25,122,869 5.39% ######## 2.93%        
    Total Gross Outstanding Portfolio ########   ########   ########       487,916,000     340,063,096      466,048,163   ########   ######## #REF! ######## #REF!
                                           
4 SUSTAINABILTY                                        
    Income from SHGs ########   ########   ########[8]         19,134,454       12,147,790       58,891,063   ########   ########   ########  
    Income from Banks & Other Income   547,102    -         9,502 [9]              491,100           289,170         1,561,194     505,112     585,328       10,194  
      ########   ########   ########         19,625,554       12,436,960       60,452,257   ########   ########   ########  
                                           
a Operational Self-Sufficiency Operating Income ######## 444.88 ######## 377.75 ######## 433.11% At least 100%     19,625,554 132.26     12,436,960 103.75     60,452,257 103.58 ######## 121.21 ######## 479.42 ######## 385.36
    Operating Costs + Loan loss provisons + Financing Costs + Depreciation ########   ########   ########[10]         14,838,652       11,986,898       58,360,456   ########   ########   ########  
                                           
b Operational Self-Sufficiency Operating Income ######## 262.63 ######## 271.23 ######## 310.22% At least 100%     19,625,554 132.89     12,436,960 105.29     60,452,257 104.72 ######## 122.21 ######## 267.69 ######## 285.76
    Operating Costs + Loan loss provisions + Financing Cost - Depreciation ########   ########   ########[11]         14,768,615       11,812,560       57,729,338   ########   ########   ########  
                                           
5 OTHER RATIOS                                
                                   
a Effective Interest Rate Total interest paid                     9,774,846 2.00       6,491,188 1.92     30,756,644 7.88 ########  
 Avg. Loan outstanding                  487,630,032   337,303,593    390,173,827 ########
                               
b Loan loss provisioning expenses Loan loss provision expenses                        259,962 0.05       2,012,167 0.60     12,658,710 3.24 ######## 2.02        
    Avg.outstanding portfolio                 487,630,032     337,303,593      390,173,827   ########          
                                           
c Capital Adequacy Ratio(CAR) Total Equity/Capital                   69,725,867 14.29     64,550,133 18.70     65,251,121 13.43 ######## 18.13        
    Total Loan outstanding                 487,915,970     345,275,194      485,700,119   ########          
                                           
d Return on net worth Net surplus(after appropriation)                     2,286,902 3.28         250,062 0.39          258,431 0.40            
    Avg. Net worth                   69,725,867       64,550,133       65,251,121              
                                           
e Return on Total Assets Net surplus(after appropriation)                     2,286,902 0.47         250,062 0.07          258,431 0.07            
    Avg. Total assets                 487,630,032     337,303,593      390,173,827              
[1]
srfs:
Admin charges
Sec Income & exp     Sch 10
[2]
srfs:
OS Amount from March 07 to Sep 07
[3]
srfs:
Disbursement from April to sep
[4]
srfs:
Interest Sch In & Ex   Sch 15
[5]
SANGHAMITHRA:
Opn.Exp -Int.pd on Brwngs - depn.
[6]
srfs:
Total Exp + Provision
[7]
SANGHAMITHRA:
Profit for the period
[8]
SANGHAMITHRA:
Adm.Chg + S.C + Regn.chg + Other chgs from SHG
[9]
SANGHAMITHRA:
Int.recd. On SB & FDRs a/c
[10]
SANGHAMITHRA:
Opn.Exp. - Depn.
[11]
SANGHAMITHRA:
Opn.Exp. - Int.pd on Brwngs