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

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 Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.bandhanmf.com/
Year established2002
Head of InstitutionChandra Shekhar Ghosh
Regions activeAssam, Bihar, Chhattisgarh, Gujarat, HaryanaJharkhand, Madhya Pradesh, Maharashtra, Meghalaya, Orissa, Rajasthan, Sikkim, Tripura, Uttar Pradesh, Uttarakhand, West BengalDadra and Nagar Haveli, National Capital Territory of Delhi
# Branches1700

Total Portfolio (nat'l)INR 35,934,903,405
Total Portfolio (USD)USD 678,017,045.40
Active clients with loans4,039,061
Approximate % female clients80% - 100%
Approximate % urban clients20% - 40%
Network affiliationsSa-dhan, MFIN, Alpha Microfinance Consultants(P) Ltd. (Alpha), AMFI (Association of Microfinance Institutions), W.B

Loan Products » Summary

Suraksha
10,282 Borrowers
USD 1,703,540.74 Portfolio
Active Product
Suchana
3,183,754 Borrowers
USD 394,083,435.40 Portfolio
Active Product
Srishti
851,819 Borrowers
USD 278,595,779.20 Portfolio
Active Product
Susiksha
2,575 Borrowers
USD 100,107.23 Portfolio
Active Product
Fisheries
231 Borrowers
USD 81,195.98 Portfolio
Active Product
Samriddhi Loan (Micro Small and Medium Enterprise Loan)
Retired Product
Srishti Loan (Micro enterprise loan) Type1
Retired Product
Srishti Loan(Micro enterprise loan) Type 2
Retired Product
Suchana Loan (Micro Loan) Type 1
Retired Product
Suchana Loan (Micro Loan) Type 2
Retired Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Suraksha Loan (Health Loan) INR 1,000 - 10,000 12 100% 20% - 40% Other, It can be used only for emergency health needs. , Can NOT be used for business Women, Specific age group, Low HH Inc, Med HH Inc, Rural HH, Urban HH, Must have completed 1 loan cycle Credit Educ, Group Mtgs, Other Training, Group Leadership Training, Financial Literacy & Social Awareness
Suchana Loan INR 1,000 - 15,000 12 100% 20% - 40% Business Women, Have business, Specific age group, Low HH Inc, Med HH Inc, Rural HH, Urban HH, Must be 18 years to 60 years Credit Educ, Group Mtgs, Other Training, Group Leadership Training, Financial Literacy & Social Awareness
Srishti Loan INR 16,000 - 50,000 24 100% 20% - 40% Business Women, Have business, Specific age group, Low HH Inc, Med HH Inc, Rural HH, Urban HH, Must be 18 years to 60 years Credit Educ, Group Mtgs, Other Training, Group Leadership Training, Financial Literacy & Social Awareness
Susikhsha Loan INR 1,000 - 10,000 12 100% 20% - 40% Education Women, Specific age group, Low HH Inc, Med HH Inc, Rural HH, Urban HH, Must have completed 1 loan cycle Credit Educ, Group Mtgs, Other Training, Group Leadership Training, Financial Literacy & Social Awareness
Fisheries Loan INR 10,000 - 50,000 12 - 24 80% - 100% 20% - 40% Business Women, Men, Have business, Specific age group, Low HH Inc, Med HH Inc, Rural HH, Urban HH, Must have an access to waterland Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training, Group Leadership 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
Suraksha Loan (Health Loan) 19.8% - 19.9% 21.9% - 22.1% 22.2% - 22.3% Yes Yes Yes 100
Suchana Loan 21.8% - 22.9% 23.8% - 25% 25.1% - 26.2% Yes Yes Yes 100
Srishti Loan 22.5% - 22.9% 23.5% - 24% 24.7% - 25.2% Yes Yes Yes 100
Susikhsha Loan 19.8% - 20.1% 21.9% - 22.3% 22.2% - 22.5% Yes Yes Yes 100
Fisheries Loan 22.7% - 23.8% 23.7% - 25.4% 24.7% - 26.4% Yes Yes Yes 99
*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
Suraksha Loan (Health Loan) 20.0% annual, Decl Bal 1 Fee 0 Ins 12.36% fees N/A 21.9% - 22.1% 22.2% - 22.3% 90
Suchana Loan 22.9% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 23.8% - 25% 25.1% - 26.2% 88
Srishti Loan 22.9% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 23.5% - 24% 24.7% - 25.2% 92
Susikhsha Loan 20.0% annual, Decl Bal 1 Fee 0 Ins 12.36% fees N/A 21.9% - 22.3% 22.2% - 22.5% 89
Fisheries Loan 22.9% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 23.7% - 25.4% 24.7% - 26.4% 90
Institution Price Graph
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  2. CASUD
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

Community Aid for Sustainable Development Head OfficeTamale, NorthernP.O. Box 2550
Data approved: 2013-03-14
Data version: 2
Age of data: 139 months
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Product

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Product Details

Key Statistics
Outstanding portfolio (GHS)GHS 1,033,300
Portfolio (USD)USD 540,995
Active Clients with Loans1,101
Approximate % Female Clients80% - 100%
Approximate % Urban Clients80% - 100%
Methodology
Individual
Solidarity group
Village bankingx
Self help group
Other
Description
Designed for groups of women between 25-30 members. Loans used for business purposes.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurance
Workplace visits
Business trainingx
Other training
Other
Other (2)
No other services
Eligibility
Men
Womenx
Must run a business
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 institution1
# Regions for this product1
Regions ActiveNorthern Region

Loan Conditions

Loan Amount
CurrencyGHS
Minimum loan sizeGHS 100
Maximum loan size3,000
Distribution at Disbursement (Est.)
Loans less than GHS 1,000100%
GHS 1,000-5,0000
GHS 5,000-7,5000
GHS 7,500-10,0000
GHS 10,000-13,0000
Greater than GHS 13,0000
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term4.0 months
Approx average4.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months100%
Between 7 and 9 months0
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage30%
Average grace period0.2 months
Repayment Frequency
Daily
Weeklyx
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
Lowest quoted nominal interest2.50%
Highest quoted nominal interest2.50%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
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 forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?No
Deposit BEFORE or AT Disbursement
% loan amount deposited10.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

Business Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountGHS 300GHS 800GHS 1,500GHS 3,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-03-052013-01-102013-02-072012-12-27
Loan Term (Months)3.7 months3.7 months3.7 months3.7 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditGHS 30GHS 80GHS 150GHS 300
True Price by Comp       
Interest price component59.4%59.4%59.4%59.4%
Fee Component0.0%0.0%0.0%0.0%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component12.7%12.7%12.7%12.7%
Full APR (int fee ins tax dep)72.1%72.1%72.1%72.1%
Transparency Index42424242
        
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