2. Bandhan
Please note that the information you are viewing is 139 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. KREDIT
Please note that the information you are viewing is 139 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Bandhan Financial Services Private Limited DN-32, Sector-V,Salt Lake CityKolkata, West Bengal700091
Data approved: 2013-01-16
Data version: 2
Age of data: 139 months
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Institution

KREDIT Microfinance Institution Plc. #17, Street 163ChamkarmornPhnom Penh
Data approved: 2013-04-23
Data version: 3
Age of data: 139 months
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Product

Fisheries Loan Product 10 of 10 « Prev | Next »

Product

ID-AGR-KHR Product 1 of 9 « Prev | Next »

Product Summary

Number borrowers231
Loan Amount (range)INR 10,000 - 50,000
Loan Term (range)12 - 24
Other Services (text summary)Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training, Group Leadership Training
Annual Interest & Method22.9% annual, Decl Bal
Fees1.00% upfront
Insurance0.47%-0.97% upfront
Tax12.36% fees
Comp DepN/A
Range of pricing 
Interest Price Component19.8% - 23.8%
Fee Component0.9% - 2.2%
Insurance Component0 - 1.1%
Tax Component Range0.1% - 0.3%
Full APR (int fee ins tax dep)24.7% - 26.4%
Transparency Index (min/max)87 - 93
Transparency Index (average)90

Product Summary

8,084
KHR 100,000 - 20,000,000
4 - 12
27.0%-36.0% annual, Decl Bal
None
None
None
N/A
 
21.7% - 36.1%
0 - 0.8%
0
0
25.6% - 36.0%
65 - 107
86

Product Details

Key Statistics
Outstanding portfolio (INR)INR 4,303,387
Portfolio (USD)USD 81,195.98
Active Clients with Loans231
Approximate % Female Clients80% - 100%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity group
Village banking
Self help group
OtherGroup Based indivudual lending
Description
To promote pisciculture
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurance
Workplace visitsx
Business trainingx
Other trainingx
OtherGroup Leadership Training
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 groupx
Household income <60,000 INRx
Household income <120,000 INRx
Must live in rural areax
Must lives in urban areax
OtherMust have an access to waterland
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution18
# Regions for this product1
Regions ActiveWest Bengal

Product Details

Key Statistics
Outstanding portfolio (KHR)KHR 20,368,240,515
Portfolio (USD)USD 5,156,516.59
Active Clients with Loans8,084
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
ID-AGR-KHR product is an option for client who invests or develops their agriculture activities by using loan in KHR.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
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 landx
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 institution12
# Regions for this product12
Regions ActiveBanteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampot, KandalKratié, Prey VengSiem Reap, Svay Rieng, Takéo

Loan Conditions

Loan Amount
CurrencyINR
Minimum loan sizeINR 10,000
Maximum loan size50,000
Distribution at Disbursement (Est.)
Loans less than INR 5,0000
INR 5,000-15,00010%
INR 15,000-25,00080%
INR 25,000-35,0005%
INR 35,000-45,0005%
Greater than INR 45,0005%
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term24.0 months
Approx average24.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months100%
Grace Period
Grace period usage100%
Average grace period3.0 months
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
CurrencyKHR
Minimum loan sizeKHR 100,000
Maximum loan size20,000,000
Distribution at Disbursement (Est.)
Loans less than KHR 1,000,0005%
KHR 1,000,000-3,500,00060%
KHR 3,500,000-6,000,00015%
KHR 6,000,000-8,000,00010%
KHR 8,000,000-10,000,0005%
Greater than KHR 10,000,0005%
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term12.0 months
Approx average11.5 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months5%
Between 7 and 9 months5%
Between 10 and 12 months90%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeksx
Every 4 weeksx
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end paymentx
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest22.90%
Highest quoted nominal interest22.90%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProcessing Fee
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationService Tax Extra
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionLife Insurance
% of loan amount - min0.47%
% of loan amount - max0.97%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation4.68 / 9.68 Rs per thousand of loan for 1 and 2 year respectively
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?Yes
Percentage of fees12.4%
All or some fees taxedSome
Additional Comments
No Penalty in case of default. No prepayment charges

Pricing Information

Interest
Lowest quoted nominal interest2.25%
Highest quoted nominal interest3.00%
Reason(s) why interest rate variesLoan Size
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
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
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

Fisheries Loan samples
Sample 1Sample 2Sample 3
Loan AmountINR 10,000INR 20,000INR 30,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2012-10-162012-09-182012-10-31
Loan Term (Months)12.0 months24.0 months24.0 months
Grace Period (Months)-0.3 months0.0 months-0.1 months
Total Cost of CreditINR 1,704.16INR 5,996.32INR 9,006.48
True Price by Comp     
Interest price component23.8%22.7%22.9%
Fee Component1.6%1.0%0.9%
Insurance Component0.8%0.9%1.0%
Tax Component0.2%0.1%0.1%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)26.4%24.7%24.9%
MFIN MFI Earning (Annualised)25.4%23.7%23.8%
MFIN Cost to Borrower (Annualised)26.4%24.7%24.9%
Transparency Index879392
MFIN Transparency Index96100100
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
* The APR stated here is an MFTransparency term, definition and formula

Full Pricing Data

ID-AGR-KHR samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountKHR 200,000KHR 700,000KHR 1,300,000KHR 2,600,000KHR 7,500,000KHR 12,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2013-02-202013-03-062013-02-222013-02-142013-03-262013-02-21
Loan Term (Months)8.0 months10.0 months12.0 months10.0 months12.0 months12.0 months
Grace Period (Months)6.7 months9.4 months11.5 months9.2 months11.0 months10.9 months
Total Cost of CreditKHR 46,200KHR 211,797KHR 469,993KHR 740,134KHR 2,064,250KHR 3,560,000
True Price by Comp           
Interest price component36.0%34.8%34.8%30.9%25.6%27.7%
Fee Component0.0%0.0%0.0%0.0%0.0%0.0%
Insurance Component0.0%0.0%0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)36.0%34.8%34.8%30.9%25.6%27.7%
Transparency Index7578788710098
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
Fisheries Loan Price Graphs


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ID-AGR-KHR 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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