Aarthi Axis | Bank Better

However, initiatives like Aarthi also face challenges. Ensuring high repayment rates requires continuous monitoring and financial literacy training. While the JLG model is robust, it relies heavily on the social cohesion of the group. External factors such as crop failure or local economic downturns can still threaten the sustainability of these micro-enterprises. Therefore, the long-term success of Aarthi depends on Axis Bank’s ability to integrate these borrowers into the formal economy progressively, moving them from group lending to individual banking relationships over time.