PKSF’S
FINANCIAL Activities
Our National Footprint: Reaching Every Corner
Since its inception in 1990, Palli Karma-Sahayak Foundation (PKSF) has expanded its development footprint across all 64 districts of Bangladesh, reaching over 21.90 million members through a dynamic network of Partner Organizations (POs) and their extensive branch operations. PKSF ensures that even the most remote and climate-vulnerable areas such as coastal belts, haor regions, and hilly tracts are served with inclusive financial and development services.
National Outreach Summary
Sl. No. | Indicator | Coverage/Value | Remarks | ||
1 | Families Served | 21 million+ | Inclusive outreach covering diverse socio-economic groups across rural and urban areas | ||
2 | Area Coverage | 64 Districts, 490 Upazilas & 13 City Corporations | Nationwide operational network ensuring equitable regional access | ||
3 | Coverage as % of Estimated Population (2025) | 9.16% | Represents nearly one-tenth of Bangladesh’s total population directly benefiting from PKSF-supported interventions | ||
4 | Coverage as % of Total Households (2025) | 38.48% | Reflects strong household-level penetration contributing to poverty alleviation and livelihood improvement | ||
5 | No. of Partner Organizations (POs) | 200+ | Over 200 active Partner Organizations implementing PKSF programs across all regions | ||
6 | No. of Branch Offices of POs | 17,000± | Extensive grassroots presence ensuring last-mile delivery of financial and non-financial services | ||
7 | Member’s Savings | BDT 407.83 billion | Represents total voluntary and compulsory savings accumulated by members through PKSF’s partner organizations (POs). | ||
8 | Loan Outstanding: PKSF-PO Level | BDT 154.99 billion | Indicates the cumulative amount of loans disbursed by PKSF to its partner organizations and remaining outstanding as of reporting period. | ||
9 | Loan Outstanding: PO-Member Level | BDT 987.12 billion |
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10 | Average Loan Size | BDT 91,139.00 | Reflects the average credit support extended per borrower. | ||
11 | Climate/Remote Areas | Coastal, Haor, Hills | Targeted resilience and adaptive livelihood programs for climate-vulnerable and geographically isolated communities |
District-wise Loan Program Coverage:
With PKSF’s financial assistance, Partner Organizations (POs) are implementing loan programs across all 64 districts, 490 upazilas, and 13 city corporations of the country. An analysis of district-wise population and loan program data reveals that approximately 74% of total households in Chuadanga district are covered under the loan program the highest coverage among all districts. In contrast, only about 9% of total households in Sunamganj district are under the loan program the lowest coverage. Notably, in three districts, more than 70% of total households are covered under the loan program, while in 18 districts, less than 30% of total households are under coverage.
From Access to Empowerment: The Journey of Inclusive Finance
Cumulative Loan Disbursement
PKSF has evolved from a microcredit apex organization to a comprehensive livelihood-promoting institution. Its lending activities are structured to promote financial inclusion, entrepreneurship, and resilience across multiple sectors. Collectively, PKSF’s Partner Organizations (POs) have disbursed over BDT 10.59 trillion among grassroots members since inception, covering rural, urban, and specialized programs. This continuous growth highlights PKSF’s focus on evidence-based lending and development-oriented financial inclusion.
(BDT in Billion)
FY Range | PKSF-PO Level | Growth (%) | PO-Member Level | Growth (%) | Remarks |
1990-1995 | 0.63 | – | 1.40 | – | Early microfinance expansion |
1996-2000 | 8.25 | 1209.52% | 28.73 | 476.85% | Rapid growth with new POs |
2001-2005 | 22.03 | 167.03% | 165.73 | 232.81% | Introduction of SME lending |
2006-2010 | 93.99 | 326.65% | 551.57 | 257.15% | Enterprise & sectoral diversification |
2011-2015 | 216.26 | 130.09% | 1969.92 | 105.30% | Integration of agriculture & value chains |
2016-2020 | 385.83 | 78.41% | 4044.28 | 126.25% | Digital MIS integration |
2021-2025 | 727.34 | 88.51% | 9150.22 | 476.85% | Inclusive & technology-driven finance |
2025-2026 (as on April 2026) | 805.87 | 10.79% | 10587.48 | 15.71% | Continued portfolio expansion |
Loan Outstanding
The data shows a consistent and remarkable growth in loan outstanding amounts at both the PKSF-PO level and the PO–Member level over the past three decades. Starting from a baseline of 0.02 billion in FY 1990-91, both levels have shown exponential increases, reflecting PKSF’s expanding outreach and the increasing credit utilization capacity of Partner Organizations (POs) and also their members. By FY 1999-2000, the outstanding amount at the PKSF–PO level reached BDT 6.11 billion, while the PO–Member level stood at BDT 6.82 billion. This trend accelerated sharply thereafter, with the PO-Member level showing a faster growth rate by FY 2019-20, the figure was BDT 333.87 billion, compared to BDT 59.87 billion at the PKSF-PO level. FY 2025-26 (as on 30 April 2026) indicates a significant escalation to BDT 154.99 billion and BDT 987.11 billion respectively, suggesting over six-fold growth within five years. This rapid increase underscores PKSF’s deepening financial engagement and the growing demand for microfinance at the member level.
(BDT in Billion)
FY | PKSF-PO Level | PO-Member Level | Remarks |
1990–91 | 0.02 | 0.02 | Baseline year operations initiated |
1994–95 | 0.46 | 0.48 | Early-stage disbursement activities |
1999–2000 | 6.11 | 6.82 | Expansion of PKSF’s credit programs |
2004–05 | 10.67 | 20.77 | Rapid increase in member-level outreach |
2009–10 | 31.63 | 55.99 | Consolidation and growth of lending portfolio |
2014–15 | 39.48 | 128.23 | Diversification of financial products |
2019–20 | 59.87 | 333.87 | Sharp rise in field-level credit flow |
2024–25 | 141.05 | 858.29 | Record expansion strong institutional capacity |
2025-26 (as of 30 April 2026) | 154.99 | 987.11 | Highest-ever loan portfolio, reflecting sustained growth and expanded financial inclusion. |
Sector-wise Loan Outstanding of PKSF at the Partner Organization (POs) Level
As of 30 April 2026, the total loan outstanding of PKSF at the POs level stands at BDT 154.99 billion. Among this, BDT 76.19 billion belongs to the Microenterprise Loan (AGROSOR), BDT 44.85 billion to the Microcredit for Medium Level Poor (JAGORON), BDT 4.89 billion to the Microcredit for Hardcore Poor (BUNIAD), BDT 10.68 billion to the Agriculture Loan (SUFOLON), BDT 4.47 billion to the Housing Loan (ABASON) and BDT 13.92 crore to Other Loan Programs.
The percentage distribution of PKSF’s sector-wise loan outstanding at the POs level is as follows: Microenterprise Loan (AGROSOR) 49.16%, Microcredit for Medium Level Poor (JAGORON) 28.94%, Microcredit for Hardcore Poor (BUNIAD) 3.15%, Agriculture Loan (SUFOLON) 6.89%, Housing Loan (ABASON) 2.88%, and Other Loan Programs 8.98%.
% of PKSF’s loan outstanding by sector at the POs Level as of April 2026
Sector-wise Loan Outstanding of Partner Organizations (POs) at the Member Level
As of 30 April 2026, the total loan outstanding of POs at the member level stands at BDT 987.12 billion. Of this amount, BDT 484.17 billion belongs to the Microenterprise Loan (AGROSOR), BDT 322.59 billion to the Microcredit for Medium Level Poor (JAGORON), BDT 7.35 billion to the Microcredit for Hardcore Poor (BUNIAD), BDT 60.54 billion to the Agriculture Loan (SUFOLON), BDT 5.09 billion to the Housing Loan (ABASON) and BDT 107.38 billion to Other Loan Programs.
The percentage distribution of sector-wise loan outstanding of POs at the member level is as follows: Microenterprise Loan (AGROSOR) 49.05%, Microcredit for Moderate Poor (JAGORON) 32.68%, Microcredit for Hardcore Poor (BUNIAD) 0.74%, Agriculture Loan (SUFOLON) 6.13%, Housing Loan (ABASON) 0.52% and Other Loan Programs 10.88%.
% of PO’s loan outstanding by sector at the Members Level as of April 2026
TOTAL MEMBERS
21.90 Million
The organized members at the grassroots are the life force of PKSF’s operations. As of 30 April 2026, the aggregated number of members organized through all the Partner Organizations of PKSF stands at 21.90 million, 93.61% of whom are women. At the same time, the number of borrowers is 16.70 million. Of them, 15.70 million are women (94.01%).
MORE THAN 200
PARTNER ORGANIZATIONS
As on 30 April 2026, PKSF has more than two hundred POs. These organizations, picked through a stringent process of assessment, are considered an integral part of PKSF’s operational structure. They are entrusted with implementing PKSF’s programs and projects at the grassroots.
IN THE FINANCIAL
YEAR 2025-2026 (upto April 2026)
WOMEN’S PARTICIPATION
1.20 MILLION NEW MEMBERS ENROLLED
OF THE TOTAL BORROWERS,
93.61% ARE FEMALE
SAVINGS GROWTH OVER 9 YEARS
(IN BILLION BDT)
TOTAL SAVINGS OF THE MEMBERS
BDT 407.38 Billion
SAVINGS Increased IN FY 2025-26 (upto April 2026)
BDT 55.52 Billion
PKSF – PARTNER ORGANIZATIONS (POs)
LOAN DISBURSEMENT AND OUTSTANDING
Loan disbursement of PKSF recorded a steady growth in FY 2024-25 and 2025-26. The amount of loan disbursement from PKSF to POs was BDT 93.58 Billion in FY 2024-25. In FY 2025-26 (upto April 2026), loan disbursement from PKSF to POs amounted to BDT 78.52 Billion, 16.09% lower than the previous year.
LOAN OUTSTANDING FROM PKSF TO POs
BDT 154.99 Billion
(As on 30 April 2026)
PARTNER ORGANIZATIONS (POs) – BORROWERS
IN FY 2025-26, AMOUNT OF LOAN
DISBURSEMENT FROM POs TO BORROWERS
BDT 1,294.29 Billion
In FY 2024-25, loan disbursement from POs to borrowers amounted to BDT 1,554.00 Billion.
LOAN DISBURSEMENT AND OUTSTANDING
As on 30 June 2025, the amount of loan outstanding of PKSF with its Partner Organizations (POs) stands at BDT 141.05 Billion.
In FY 2025-26 (upto 30 April 2026), the amount of loan disbursement from the POs to their borrowers was BDT 1,294.29 Billion, which is 16.71% lower than the previous year. As on 30 April 2025, the amount of loan outstanding of the POs with borrowers is BDT 987.12 Billion.