Operations

SONATA FINANCE has set itself a mission to "identify and motivate poor women in a cost-effective way and deliver them micro finance services in an honest, timely and efficient manner."

• Our Philosophy
• Our People
• Our Approach
• Our Partners

CAPITAL STRUCTURE

Sonata’s considerable shares are held with two individual promoters and one institutional promoter. While majority of the shares held with Creation Investments Social Ventures collective with it’s both funds being the majority stakeholder in the company.

SONATA’s Shareholding Structure

Name	Percentage
Individual promoters	12.33%
Bellwether Microfinance Trust	19.04%
Foreign Direct Investment	48.24%
ESOP TRUST	17.13%
Bellwether Microfinance Fund	3.26%
Total	100.00%

Bellwether has invested in SONATA, in accordance with its policy to invest in promising start up and support the growth. Bellwether also provides mentoring support and technical assistance in areas including capacity building, governance, systems, legal and statutory compliance.

Funding Details

The Financial Position of SONATA

SONATA primarily borrows funds to meet up its on lending requirement. Most of the borrowed funds are secured term loan. As on date, twice, SONATA has been offered for the Partnership Model, but both times SONATA has refused to take the route of the Partnership.

SONATA has so far borrowed funds from the following financial institutions::

Friends Of Women World's Bank	HDFC Bank
ABN-AMRO Bank	Bellwether Micro-Finance
ICICI Bank	AXIS Bank
SIDBI Bank	DCB
YES Bank