Loan Conditions

Loan Amount

Currency	BOB
Minimum loan size	BOB 200
Maximum loan size	560,000

Distribution at Disbursement (Est.)

Loans less than BOB 10,000	15%
BOB 10,000-40,000	50%
BOB 40,000-70,000	20%
BOB 70,000-100,000	10%
BOB 100,000-125,000	5%
Greater than BOB 125,000	5%

Loan Term and Grace Period

Shortest loan term	3.0 months
Longest loan term	96.0 months
Approx average	26.0 months

Distribution at Disbursement (Est.)

Loans 3 months or less	0
Between 4 and 6 months	0
Between 7 and 9 months	0
Between 10 and 12 months	5%
Between 13 and 18 months	5%
Longer than 18 months	90%

Grace Period

Grace period usage	0
Average grace period	DK

Repayment Frequency

Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly	x
Every 2 months	x
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount

Currency	INR
Minimum loan size	INR 5,000
Maximum loan size	17,500

Loan Term and Grace Period

Shortest loan term	13.3 months
Longest loan term	13.3 months
Approx average	13.3 months

Distribution at Disbursement (Est.)

Loans 3 months or less	N/A
Between 4 and 6 months	N/A
Between 7 and 9 months	N/A
Between 10 and 12 months	N/A
Between 13 and 18 months	N/A
Longer than 18 months	N/A

Grace Period

Grace period usage	0
Average grace period	0

Repayment Frequency

Daily
Weekly	x
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest

Upfront Fees

This product has no upfront fees

Ongoing Fees

This product has no ongoing fees

Upfront Insurance Fees

This product has no upfront insurance fees

Ongoing Insurance Fees

	Ins 1
Description	Seguro de desgravamen y sepelio
% of loan amount - min	0.05%
% of loan amount - max	4.80%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation	El costo es de 0.05% mensual, con cargo únicamente en la saldo principal del préstamo pendiente.
Appears on Repayment Sched?	Yes

Compulsory Deposit

Required for	Never
Criteria	N/A
Is deposit indicated on the repayment schedule?	N/A
Do borrowers control deposit in their group?	N/A

Deposit BEFORE or AT Disbursement

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A

Deposits DURING period payments

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A
Conditions on access to deposit	N/A

Interest Paid on Deposit

Minimum interest rate paid	N/A
Maximum interest rate paid	N/A
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?

No

Pricing Information

Interest

Upfront Fees

This product has no upfront fees

Ongoing Fees

This product has no ongoing fees

Upfront Insurance Fees

	Ins 1
Description	Loan Processing Fees (includes insurance)
% of loan amount - min	2.00%
% of loan amount - max	2.00%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation
Appears on Repayment Sched?

Ongoing Insurance Fees

This product has no ongoing insurance fees

Compulsory Deposit

Required for	Never
Criteria	N/A
Is deposit indicated on the repayment schedule?	N/A
Do borrowers control deposit in their group?	N/A

Deposit BEFORE or AT Disbursement

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A

Deposits DURING period payments

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A
Conditions on access to deposit	N/A

Interest Paid on Deposit

Minimum interest rate paid	N/A
Maximum interest rate paid	N/A
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?

No

Additional Comments

Free life insurance (Rs. 2,) to clients and accident insurance cover to clients and spouse (Rs. 25, each) is provided. The premium of Rs. 64.4 is paid by Arohan to the insurance companies. We will add Rs. 64.4 to the "insurance paid" field and deduct Rs. 64.4 from the total fees paid field.

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