2. FUNBODEM
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  2. Utkarsh
Please note that the information you are viewing is 144 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Fundacion Boliviana Para El Dessarollo De Le Mujer Calle Rene Moreno # 476Santa Cruz
Data approved: 2010-10-28
Data version: 1
Age of data: -   months 
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Institution

Utkarsh Microfinance Pvt Ltd S-2/639-56, VARUNA VIHAR COLONY,NEAR J P MEHTA INTER COLLEGE, CANTT.,VARANASI, UTTAR PRADESH221002
Data approved: 2012-01-12
Data version: 1
Age of data: -   months 
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Product Summary

Number borrowers239
Loan Amount (range)USD 50 - 400
Loan Term (range)1 - 4
Other Services (text summary)Credit Ins
Annual Interest & Method32.0%-36.0% annual, Decl Bal
Fees3 fees
Insurance7.00% ongoing
Tax15.00% Principal
Comp DepN/A
Range of pricing 
Interest Price ComponentN/A
Fee Component0 (Int+Fee)
Insurance Component0
Tax Component Range0.0% - 1.1%
Full APR (int fee ins tax dep)0
Transparency Index (min/max)0 - N/A
Transparency Index (average)N/A

Product Summary

9,848
INR 6,000 - 18,000
30
Credit Educ, Group Mtgs, Tech Asst Visits, Other Training
28.2% annual, Decl Bal
1.00% upfront
None
None
N/A
 
0
N/A

Product Details

Key Statistics
Outstanding portfolio (USD)USD 45,395.15
Portfolio (USD)USD 45,395.15
Active Clients with Loans239
Approximate % Female Clients80% - 100%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Este producto es enfocado al cliente antiguo con excelente comportamiento de pago, esto implica que su esfuerzo es premiado en tener un desembolso rapido.
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age group
Othertambien se aplica a personas asalariadas
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Product Details

Key Statistics
Outstanding portfolio (INR)INR 62,954,711
Portfolio (USD)USD 1,398,994
Active Clients with Loans9,848
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Income Generation loan to women borrowers under the joint liability structure between INR600o-18000
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
OtherIncome Generation
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurance
Workplace visitsx
Business training
Other trainingx
Other
Other (2)
No other services
Eligibility
Men
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age groupx
Household income <60,000 INR
Household income <120,000 INR
Must live in rural area
Must lives in urban area
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 50
Maximum loan sizeUSD 400
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term4.0 months
Approx average3.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyINR
Minimum loan sizeINR 6,000
Maximum loan size18,000
Loan Term and Grace Period
Shortest loan term30.0 months
Longest loan term30.0 months
Approx average30.0 months
Distribution at Disbursement (Est.)
Loans 3 months or lessN/A
Between 4 and 6 monthsN/A
Between 7 and 9 monthsN/A
Between 10 and 12 monthsN/A
Between 13 and 18 monthsN/A
Longer than 18 monthsN/A
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeksx
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest32.00%
Highest quoted nominal interest36.00%
Reason(s) why interest rate variesBranch, Time as Client, Loan Size
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?N/A
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionSobre el monto desembolsado para cubrir los gastos administrativosSeguro de Sepelio (con primer pago) (prima anual)
% of loan amount - min1.00%0
% of loan amount - max3.00%0
OR, Fixed amount - min02.50
Fixed amount - max02.50
Reason for variationN/A
Appears on Repayment Sched?NoYes
Ongoing Fees
Fee 1
DescriptionGastos por formularios
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min1
Fixed amount - max1
Reason for variationN/A
Appears on Repayment Sched?Yes
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
Ins 1
DescriptionPago del seguro de desgravamen
% of loan amount - min7.00%
% of loan amount - max7.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Compulsory Deposit
Required forNever
CriteriaN/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 depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?Yes
Percentage of fees0
All or some fees taxedN/A

Pricing Information

Interest
Lowest quoted nominal interest28.18%
Highest quoted nominal interest28.18%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?N/A
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
Description1% of Processing fees
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
Description1% of the loan amount
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?Yes
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forNever
CriteriaN/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 depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

Temporada samples
Sample 1Sample 2Sample 3
Loan AmountUSD 100USD 200USD 300
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2010-05-262010-03-312010-05-21
Loan Term (Months)4.0 months3.0 months4.0 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot Known
True Price by Comp     
Interest and Fee Component81.6%62.9%64.0%
Insurance Component0.0%0.0%0.0%
Tax Component0.7%0.8%0.8%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)82.2%63.7%64.8%
Transparency Index395049
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

Utkarsh Unnati samples
No sample data for this product
Temporada Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeAnyLoan PurposeFUNBODEMInstitutionBO-020-V01-P07ProductBOCountry2010YearRange Number1Institution Data Version050100150200250300Loan Size (all)0%20%40%60%80%Full APR (int fee ins tax dep)> 100607Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
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Utkarsh Unnati Price Graphs
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Key Statistics
# Samples:
# Products
# Institutions
# Countries
# Borrowers
Loan Portfolio (USD)
% Products using declining balance
% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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