Spandana Sphoorty Financial Limited is a non-banking finance company and microfinance institution (NBFC-MFI) focused on rural areas. The company provides income-generating loans to women from rural poor households under the Joint Liability Group (JLG) model. It provides a range of financial products and services to poor households and individuals to improve their quality of life. The company's products include Chetana, Loan Against Property (LAP) and Nano Enterprise Loans. Its product is a JLG-based small loan for women entrepreneurs. The company offers loan products such as LAP and loans to nano-enterprises through its 100% subsidiary Criss Financial Oy. The company has approximately 1,227 branches.