| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.arohan.in/ |
| Year established | 1991 |
| Head of Institution | Shubhankar Sengupta |
| Regions active | Assam, Bihar, West Bengal |
| # Branches | 86 |
| Total Portfolio (nat'l) | INR 399,408,132 |
| Total Portfolio (USD) | USD 7,536,002.49 |
| Active clients with loans | 76,358 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 80% - 100% |
| Network affiliations | MFIN, Sa-Dhan |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Bazar Loan | INR 6,000 - 18,000 | 10 - 11 | 0% - 20% | 80% - 100% | Any Purpose | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins | |||||||
| Saral Monthly | INR 5,000 - 15,000 | 15 | 80% - 100% | 80% - 100% | Any Purpose | Women | Credit Educ, Group Mtgs, Credit Ins |
| Product Name | APR (int) | MFIN MFI Earning (Annualised) | MFIN Cost to Borrower (Annualised) | COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD | COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES | COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM | MFIN Transparency Index | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Bazar Loan | 25% - 27.1% | 27.1% - 29.4% | 28.5% - 30.9% | Yes | Yes | Yes | 100 | |||||||
| Saral Monthly | 26% - 31.1% | 27.6% - 32.9% | 29.1% - 34.4% | Yes | Yes | Yes | 100 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Bazar Loan | 27.3% annual, Decl Bal | 1 Fee | 1 Ins | 12.36% fees | N/A | 27.1% - 29.4% | 28.5% - 30.9% | 91 | ||||||||
| Saral Monthly | 28.4% annual, Decl Bal | 1 Fee | 1 Ins | 12.36% fees | N/A | 27.6% - 32.9% | 29.1% - 34.4% | 91 |
| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| APAS | 320 | 128,000 | 2 | 162 |
| BRAC-UGA | 139,200 | 28,254,000 | 3 | 118 |
| Centenary Bank | 133,802 | 221,144,231 | 4 | 142 |
| EBO SACCO | 1,500 | 1,240,382 | 2 | 142 |
| Equity Bank | 13,069 | 57,252,004 | 0 | 142 |
| Finance Trust | 22,555 | 17,520,424 | 5 | 142 |
| FINCA-UGA | 56,300 | 27,402,000 | 4 | 116 |
| Five Talents | 5,365 | 368,057 | 2 | 142 |
| Gatsby | 1,346 | 2,440,236 | 2 | 142 |
| Habitat Uganda | 858 | 265,508 | 1 | 142 |
| Hofokam | 20,908 | 4,793,200 | 6 | 142 |
| KACITA | 156 | 60,318 | 1 | 142 |
| Madfa SACCO | 4,832 | 288,674 | 5 | 142 |
| Opportunity | 23,734 | 13,560,846 | 13 | 142 |
| RUCREF | 5,557 | 898,380 | 4 | 162 |
| Rushere SACCO | 983 | 574,549 | 2 | 142 |
| SAO | 204 | 62,768 | 1 | 142 |
| Silver Upholders | 2,111 | 189,189 | 4 | 142 |
| THPU | 6,528 | 676,391 | 1 | 142 |
| UGAFODE | 8,197 | 4,720,446 | 9 | 142 |
| VF Uganda | 13,072 | 3,221,675 | 5 | 142 |
| Wakiso | 513 | 276,000 | 1 | 142 |
| Y-SAVE | 208 | 1,686,485 | 1 | 142 |
| Key Statistics | |
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| % Products with one or more insurances | |
| % Products with compulsory deposits |
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