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. KBL
Please note that the information you are viewing is 113 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

Khushhali Bank Limited 4th Floor, 94 west, Jinnah AvenueIslamabad, Federal44000
Data approved: 2015-04-20
Data version: 2
Age of data: 113 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

Institution Details

Institution TypeBank
Is this institution regulated?Yes
Website addresshttp://www.khushhalibank.com.pk
Year established2000
Head of InstitutionMuhammad Ghalib Nishtar
Regions activeAzad Kashmir, Balochistan, Islambad Capital Territory, Khyber Pakhtunkwa, Punjab, Sindh
# Branches118

Total Portfolio (nat'l)PKR 12,225,321,747
Total Portfolio (USD)USD 120,052,659.60
Active clients with loans468,369
Approximate % female clients20% - 40%
Approximate % urban clients0% - 20%
Network affiliationsPakistan Microfinance Network
Funders

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 » Summary

KK-B
343,540 Borrowers
USD 79,107,071.05 Portfolio
Active Product
KK-E
82,054 Borrowers
USD 11,000,790.24 Portfolio
Active Product
KCS-GB
37,616 Borrowers
USD 24,892,618.49 Portfolio
Active Product
KCS-LB
2,583 Borrowers
USD 2,774,465.35 Portfolio
Active Product
Sarsabz
1,197 Borrowers
USD 1,243,785.24 Portfolio
Active Product
KCS-GE
314 Borrowers
USD 150,120.70 Portfolio
Low Volume Product
Cash
134 Borrowers
USD 121,558.08 Portfolio
Low Volume Product
Paper
19 Borrowers
USD 10,168.69 Portfolio
Low Volume Product
Qarza
213 Borrowers
USD 157,569.75 Portfolio
Low Volume Product
EMI
409 Borrowers
USD 279,344.66 Portfolio
Low Volume Product
School
18 Borrowers
USD 24,215.22 Portfolio
Low Volume Product
Livestock
65 Borrowers
USD 68,621.18 Portfolio
Low Volume Product
EMI Liv
16 Borrowers
USD 18,341.32 Portfolio
Low Volume Product
Karabor
74 Borrowers
USD 16,249.51 Portfolio
Low Volume Product
Sarmaya
109 Borrowers
USD 210,846.23 Portfolio
Low Volume Product
Sahulat L
8 Borrowers
USD 6,849.99 Portfolio
Low Volume Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

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 » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Khushhali Karza - Bullet (Group Based Lending) PKR 15,000 - 50,000 3 - 12 20% - 40% 0% - 20% Business, Agriculture Women, Men, Have business Group Mtgs, Credit Ins
Khushhali Karza - EMI (Group Based Lending) PKR 15,000 - 50,000 3 - 12 20% - 40% 40% - 60% Business, Agriculture Women, Men, Have business Group Mtgs, Credit Ins
Khushhali Cash Sahulat Gold-Bullet PKR 25,000 - 150,000 3 - 12 0% - 20% 20% - 40% Business Women, Men, Have business Credit Ins
Khushhali Cash Sahulat Land-Bullet PKR 25,000 - 150,000 3 - 12 0% - 20% 0% Business, Agriculture Women, Men, Have business Credit Ins
Sarsabz Karobar Bullet PKR 25,000 - 150,000 3 - 6 0% - 20% 20% - 40% Business, Agriculture Women, Men, Have business Credit Ins

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

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Khushhali Karza - Bullet (Group Based Lending) 31.0% annual, Decl Bal 1 Fee 0 Ins 16.00% fees N/A 29.6% - 36% 30% - 37.4% 92
Khushhali Karza - EMI (Group Based Lending) 31.0% annual, Decl Bal 1 Fee 0 Ins 16.00% fees N/A 35.5% - 44.3% 36.3% - 46.6% 78
Khushhali Cash Sahulat Gold-Bullet 28.0% annual, Decl Bal 1 Fee 0 Ins 16.00% fees N/A 26.3% - 31% 26.5% - 31.9% 97
Khushhali Cash Sahulat Land-Bullet 25.0% annual, Decl Bal 1 Fee 0 Ins 16.00% fees N/A 23.4% - 28.5% 23.5% - 29.4% 97
Sarsabz Karobar Bullet 25.0% annual, Decl Bal 1 Fee 0 Ins 16.00% fees N/A 24.9% - 29.1% 25.1% - 30% 95

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 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 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 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 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 Ins 12.36% fees N/A 23.7% - 25.4% 24.7% - 26.4% 90

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Khushhali Karza - Bullet (Group Based Lending) 31.0% annual, Decl Bal 1 Fee 0 Ins Ins 16.00% fees N/A 29.6% - 36% 30% - 37.4% 92
Khushhali Karza - EMI (Group Based Lending) 31.0% annual, Decl Bal 1 Fee 0 Ins Ins 16.00% fees N/A 35.5% - 44.3% 36.3% - 46.6% 78
Khushhali Cash Sahulat Gold-Bullet 28.0% annual, Decl Bal 1 Fee 0 Ins Ins 16.00% fees N/A 26.3% - 31% 26.5% - 31.9% 97
Khushhali Cash Sahulat Land-Bullet 25.0% annual, Decl Bal 1 Fee 0 Ins Ins 16.00% fees N/A 23.4% - 28.5% 23.5% - 29.4% 97
Sarsabz Karobar Bullet 25.0% annual, Decl Bal 1 Fee 0 Ins Ins 16.00% fees N/A 24.9% - 29.1% 25.1% - 30% 95
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