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Gramalaya Urban And Rural Development Initiatives (GUARDIAN), is a microfinance institution that exclusively provides micro-credit to build water and sanitation facilities around Trichy, Tamil Nadu. It provides technical support for creating low cost infrastructure of these facilities to improve rural life. Milaap partnered with GUARDIAN in December 2010 on a successful pilot, providing affordable loans to build water and sanitation facilities. The pilot gained momentum through support from Yunus Social Business Fund. In November 2011, we started a full-fledged program, providing poor women loans to build water connections and toilets. By July 2012, Milaap disbursed Rs 7.1 million, improving lives of 4180 people – their health, environment, overall income, and savings.

Total amount disbursed


Loans given


Repayment rate

99 %

Loans from this partner

Saroja Thangavel
Salaiyammal Murugesan
Elavarasi Ramesh
Pushpam Rajagopal


? Financial Rating
Operating efficiency (?) 5
Capital adequacy ratio (?) 1
Milaap's share in overall FP portfolio (?) 5
Scale of operations (?) 3
PAR >30 in FP portfolio (?) 1
Overall 3
? Social Impact Rating
% of woman borrowers (?) 5
Average yearly household income (?) 4
% of first-time borrowers (?) 5
Financial inclusion (?) 2
No. of lenders who have given > INR 1 Crore (?) 4
Overall 4