2. Arth
Please note that the information you are viewing is 171 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Arth Microfinance Pvt Ltd A-11,Mahaveer udyan pathBajaj NagarJaipur, Rajasthan302015
Data approved: 2010-10-25
Data version: 1
Age of data: 171 months

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addressN/A
Year established1996
Head of InstitutionPramod Kumar Paliwal
Regions active
# Branches10

Total Portfolio (nat'l)INR 98,799,721
Total Portfolio (USD)USD 1,864,145.68
Active clients with loans13,170
Approximate % female clients80% - 100%
Approximate % urban clients20% - 40%
Network affiliations

Loan Products » Summary

Sampda
152 Borrowers
USD 101,146.23 Portfolio
Active Product
Shahyog
2,758 Borrowers
USD 509,913.58 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Sampda INR 35,000 - 35,000 16 80% - 100% 20% - 40% Business, Can only be used for FIXED assets, Asset Creation of Borrower's Choice Women Credit Educ, Group Mtgs, Credit Ins, Business Training
Shahyog INR 10,000 - 16,000 12 80% - 100% 20% - 40% Business, Housing Women Credit Educ, Group Mtgs, Credit Ins, Business Training

Loan Products » MFIN India Additional Information

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
Sampda 0% 29.2% 32.4% N/A
Shahyog 0% 31.7% 35.9% N/A
*Please click here for more information

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Sampda 14.0% annual, Flat 1 Fee 1 Ins None N/A 29.2% 32.4% 43
Shahyog 15.0% annual, Flat 1 Fee 1 Ins None N/A 31.7% 35.9% 42
Institution Price Graph
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  2. WMBL
Please note that the information you are viewing is 114 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Waseela Microfinance Bank 3-A/2, Kaghan Road, F-8 Markaz, IslamabadIslamabad, Capital Territory44000
Data approved: 2015-06-04
Data version: 1
Age of data: 114 months

Product

Waseela Khushhal Kisan Loan Product 2 of 3 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 308,090,243
Portfolio (USD)USD 3,025,446.19
Active Clients with Loans8,912
Approximate % Female Clients0% - 20%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
This is a financial facility offered to individuals engaged in Agricuture / livestock raising activities.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculturex
Education
Other household finance
OtherLivetsock
Other (2)
Included Services
Credit education
Group meetings
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other servicesx
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution4
# Regions for this product4
Regions ActiveIslambad Capital Territory, Khyber Pakhtunkwa, Punjab, Sindh

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 20,000
Maximum loan size60,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0000
PKR 10,000-25,0000
PKR 25,000-50,000100%
PKR 50,000-75,0000
PKR 75,000-150,0000
Greater than PKR 150,0000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term12.0 months
Approx averageDK
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months10%
Between 7 and 9 months30%
Between 10 and 12 months60%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end paymentx
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest29.00%
Highest quoted nominal interest29.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionLoan Processing Fee
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min700
Fixed amount - max700
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
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?Yes
Percentage of fees16%
All or some fees taxedAll

Full Pricing Data

Waseela Khushhal Kisan Loan samples
Loan Amount
Type of Sample
Disbursement Date
Loan Term (Months)
Grace Period (Months)
Total Cost of Credit
Full APR (int fee ins tax dep)
True Price by Component
Transparency Index
Original Repayment Schedule
MFT Pricing Calculation
Interest price component
Fee Component
Insurance Component
Tax Component
Deposit Component
PKR 25,000 Real 2015-05-04 11.0 months N/A PKR 7,480.87 29.3% 25.7% 3.1% 0.0% 0.5% 0.0% 99 PDF PDF
PKR 25,000 Generated 2015-06-01 11.8 months N/A PKR 7,962.68 28.9% 25.5% 2.9% 0.0% 0.5% 0.0% 100 - PDF
PKR 50,000 Real 2015-05-07 12.0 months N/A PKR 15,337.94 27.1% 25.4% 1.5% 0.0% 0.2% 0.0% 100 PDF PDF
PKR 50,000 Generated 2015-06-01 11.8 months N/A PKR 15,113.37 27.2% 25.5% 1.4% 0.0% 0.3% 0.0% 100 - PDF
PKR 26,000 Generated 2015-06-01 5.9 months N/A PKR 4,530.36 33.6% 27.1% 5.6% 0.0% 0.9% 0.0% 86 - PDF
PKR 27,000 Generated 2015-06-01 11.8 months N/A PKR 8,534.74 28.6% 25.5% 2.7% 0.0% 0.4% 0.0% 100 - PDF
PKR 28,000 Generated 2015-06-01 11.8 months N/A PKR 8,820.77 28.5% 25.5% 2.6% 0.0% 0.4% 0.0% 100 - PDF
PKR 30,000 Generated 2015-06-01 11.8 months N/A PKR 9,392.82 28.3% 25.5% 2.4% 0.0% 0.4% 0.0% 100 - PDF
PKR 40,000 Generated 2015-06-01 8.9 months N/A PKR 9,392.82 29.1% 26.3% 2.4% 0.0% 0.4% 0.0% 100 - PDF
PKR 60,000 Generated 2015-06-01 8.9 months N/A PKR 13,683.23 28.1% 26.3% 1.6% 0.0% 0.2% 0.0% 100 - PDF
Waseela Khushhal Kisan Loan 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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