CRISIL has assigned a microfinance institution (MFI) grading of 'mfR5' to ASOMI. The grading reflects ASOMI's improving earnings profile and experienced top management. The grading also factors in the institute's low capital adequacy, regulatory risk because the institution accepts deposits, and non compliance with the established operational procedures in a few cases at the field level. CRISIL's MFI grading is a current opinion on the ability of an MFI to conduct its operations in a scalable and sustainable manner.

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Asomi is a start-up MFI lead by a management graduate with development experience and operating in a politically difficult area - Assam, with good potential for microfinance activities. Asomi has good performance on governance and moderate performance on management and financial indicators. Portfolio tracking systems and control systems are still being developed. Three of the four branches have been performing well, while one of the branches, with civil unrest in its operating area, has moderate performance.

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