This focus note provides lessons for the joint liability group based Indian microfinance sector in the realm of product offering from three different MFIs of Bangladesh—ASA, BRAC and Grameen Bank. While ASA’s single product experience provides focussing on efficiency to achieve profitability, BRAC’s experience follows a comprehensive development approach. On the other extreme, the Grameen Bank in Bangladesh provides integrated financial services to its clients. In conclusion, the note suggests Indian MFIs to focus on service delivery as the market matures and competition increases.

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