Bandhan Financial Services Private Limited - MFTransparency.org Truth In Lending Tables

Please note that the information you are viewing is 143 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Please note that the information you are viewing is 148 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: 2011-04-11

Data version: 1

Age of data: - months

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Institution

UGAFODE Microfinance Limited (MDI) Plot 62, Bombo RdKampala, Uganda

Data approved: 2012-11-14

Data version: 2

Age of data: 148 months

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Institution Details

Institution Type	Private 'For-Profit'
Is this institution regulated?	N/A
Website address	http://www.bandhanmf.com/
Year established	2006
Head of Institution	Chandra Shekhar Ghosh
Regions active	0
# Branches	1550

Total Portfolio (nat'l)	INR 15,894,315,977
Total Portfolio (USD)	USD 353,207,021.70
Active clients with loans	2,513,747
Approximate % female clients	80% - 100%
Approximate % urban clients	60% - 80%
Network affiliations	Sa-dhan, MFIN (Microfinance Institutions Network), Alpha Microfinance Consultants(P) Ltd. (Alpha), AMFI (Association of Microfinance Institutions), W.B

Institution Details

Institution Type	Non-Governmental Organization
Is this institution regulated?	Yes
Website address	http://www.ugafode.co.ug/
Year established	1995
Head of Institution	Twamuhabwa Wilson
Regions active	Central, Western
# Branches	12

Total Portfolio (nat'l)	UGX 11,801,115,327
Total Portfolio (USD)	USD 4,720,446.13
Active clients with loans	8,197
Approximate % female clients	20% - 40%
Approximate % urban clients	0% - 20%
Network affiliations	AMFIU
Funders	Oikocredit, Microfinance Support Centre, Access Africa Fund, Agribusiness Trust

Loan Products » Summary

Samriddhi Loan (Micro Small and Medium Enterprise Loan)

77 Borrowers

USD 165,144 Portfolio

Srishti Loan (Micro enterprise loan) Type1

47,007 Borrowers

USD 24,282,575 Portfolio

Srishti Loan(Micro enterprise loan) Type 2

1,364 Borrowers

USD 751,325 Portfolio

Suchana Loan (Micro Loan) Type 1

2,149,006 Borrowers

USD 283,289,362 Portfolio

Suchana Loan (Micro Loan) Type 2

316,293 Borrowers

USD 44,648,404 Portfolio

Suraksha

877 Borrowers

USD 70,211 Portfolio

Loan Products » Summary

Agric Ln

1,452 Borrowers

USD 809,842 Portfolio

Asset Acq

358 Borrowers

USD 308,906 Portfolio

Flex Housing

274 Borrowers

USD 148,296 Portfolio

McroBus. Idv

2,929 Borrowers

USD 1,264,046 Portfolio

Mcro Mrtg

202 Borrowers

USD 311,664 Portfolio

SME Ln

205 Borrowers

USD 1,004,977 Portfolio

Smll Bsns

158 Borrowers

USD 309,496 Portfolio

School Fees

126 Borrowers

USD 38,589 Portfolio

McroBus. Grp

2,360 Borrowers

USD 340,558 Portfolio

Loan Products » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility	Other Services
Samriddhi Loan (Micro Small and Medium Enterprise Loan)	INR 100,000 - 300,000	12	80% - 100%	20% - 40%	Business	Women, Men, Have business	Credit Ins
Srishti Loan (Micro enterprise loan) Type1	INR 25,000 - 50,000	10.15 - 12	80% - 100%	20% - 40%	Business	Women, Have business	Credit Ins
Srishti Loan(Micro enterprise loan) Type 2	INR 25,000 - 50,000	10.38 - 12	80% - 100%	20% - 40%	Business	Women, Have business	Credit Ins
Suchana Loan (Micro Loan) Type 1	INR 1,000 - 25,000	10.15 - 12	80% - 100%	20% - 40%	Business, ONLY used for Income generating activities	Women, Have business	Credit Ins
Suchana Loan (Micro Loan) Type 2	INR 1,000 - 25,000	10.38 - 12	80% - 100%	20% - 40%	Business, It can be used for income generating activities on	Women, Have business	Credit Ins
Suraksha Loan (Health Loan)	INR 1,000 - 5,000	11.5 - 12	80% - 100%	20% - 40%	Other, It can be used only for emergency health needs. , Can NOT be used for business	Women, This loan is extended to borrowers who have successfully completed at least one loan cycle.

Loan Products » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility	Other Services
Agricultural Loan	UGX 100,000 - 23,000,000	3 - 36	0% - 20%	0% - 20%	Business, Other, Agricultural production, marketing, processing, trading, cattle trading, poultry, etc.	Women, Men, Have business, Specific age group, Collateral like land, motor vehicle, cattle required	Credit Ins
Asset Acquisition Loan	UGX 100,000 - 10,000,000	3 - 36	0% - 20%	40% - 60%	Consumer, Other, Acquire Business or Personal Assets	Women, Men, Have business, Salaried worker, Must have reliable source of income., The asset becomes part of loan security	Credit Ins
Flexible Housing Loan	UGX 200,000 - 3,000,000	3 - 24	0% - 20%	20% - 40%	Housing	Women, Men, Have business, Have home or land, Salaried worker	Credit Ins
Micro Business Individual Loan	UGX 100,000 - 5,000,000	3 - 24	20% - 40%	20% - 40%	Business	Women, Men, Have business, Business must least 3 months old, Must have security.	Credit Ins
Micro Mortgage Loan	UGX 500,000 - 23,000,000	3 - 36	20% - 40%	20% - 40%	Housing, Other, Land acquisition	Women, Men, Have business, Salaried worker	Credit Ins
Small & Medium Enterprise Loan	UGX 10,000,000 - 23,000,000	3 - 36	20% - 40%	40% - 60%	Business, Other, Business Assets, Construction	Women, Men, Have business, Have home or land, Must have a registered security, e.g. land title	Credit Ins
Small Business Loan	UGX 5,000,000 - 10,000,000	3 - 24	20% - 40%	40% - 60%	Business, Other, Acquire Business Assets	Women, Men, Have business, Fixed Security, i.e. land required	Credit Ins
School Fees Loan	UGX 100,000 - 5,000,000	3 - 24	40% - 60%	20% - 40%	Education	Women, Men, Have business, Salaried worker	Credit Ins
Micro Business Group Loan	UGX 100,000 - 5,000,000	3 - 24	40% - 60%	0% - 20%	Business	Women, Men, Have business	Group Mtgs, Credit Ins

Loan Products » MFIN India Additional Information

Product Name	APR (int)	MFIN MFI Earning (Annualised)	MFIN Cost to Borrower (Annualised)	MFIN Transparency Index
Samriddhi Loan (Micro Small and Medium Enterprise Loan)	0%	0%	0%	N/A
Srishti Loan (Micro enterprise loan) Type1	0%	0%	0%	N/A
Srishti Loan(Micro enterprise loan) Type 2	0%	0%	0%	N/A
Suchana Loan (Micro Loan) Type 1	0%	0%	0%	N/A
Suchana Loan (Micro Loan) Type 2	0%	0%	0%	N/A
Suraksha Loan (Health Loan)	0%	0%	0%	N/A

*Please click here for more information

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Samriddhi Loan (Micro Small and Medium Enterprise Loan)	10.0% annual, Flat	1 Fee	None	5.0% upfront	0%	0%	N/A
Srishti Loan (Micro enterprise loan) Type1	10.0% annual, Flat	1 Fee	None	5.0% upfront	0%	0%	N/A
Srishti Loan(Micro enterprise loan) Type 2	12.5% annual, Flat	1 Fee	None	5.0% upfront	0%	0%	N/A
Suchana Loan (Micro Loan) Type 1	10.0% annual, Flat	1 Fee	None	10.0% upfront	0%	0%	N/A
Suchana Loan (Micro Loan) Type 2	12.5% annual, Flat	1 Fee	None	10.0% upfront	0%	0%	N/A
Suraksha Loan (Health Loan)	10.0% annual, Flat	0 Fees	None	N/A	0%	0%	N/A

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Agricultural Loan	30.00% annual, Decl Bal	2 Fees	1 Ins	None	N/A	40.5% - 46.5%	42.2% - 49.7%	65
Asset Acquisition Loan	30.00% annual, Flat	2 Fees	1 Ins	None	N/A	54.9% - 65%	56.7% - 68.7%	50
Flexible Housing Loan	24.00% annual, Flat	2 Fees	1 Ins	None	N/A	59.6% - 63.9%	60.8% - 65.9%	37
Micro Business Individual Loan	36.00% annual, Flat	2 Fees	1 Ins	None	N/A	63.1% - 69.9%	65.2% - 73.1%	52
Micro Mortgage Loan	30.00% annual, Decl Bal	2 Fees	1 Ins	None	N/A	31.1% - 35.5%	32.3% - 37.9%	86
Small & Medium Enterprise Loan	30.00% annual, Decl Bal	2 Fees	1 Ins	None	N/A	28.3% - 33.8%	31.3% - 35.5%	88
Small Business Loan	30.00% annual, Flat	2 Fees	1 Ins	None	N/A	55% - 55.1%	56.7% - 56.9%	52
School Fees Loan	30.00% annual, Flat	2 Fees	1 Ins	None	N/A	57.7% - 73.5%	60.8% - 78%	45
Micro Business Group Loan	36.00% annual, Flat	2 Fees	1 Ins	None	10.00% upfront	65.7% - 80.6%	80.2% - 99.8%	41

Loan Products » MFIN India Additional Information

Product Name	APR (int)	MFIN MFI Earning (Annualised)	MFIN Cost to Borrower (Annualised)	MFIN Transparency Index
Samriddhi Loan (Micro Small and Medium Enterprise Loan)	0%	0%	0%	N/A
Srishti Loan (Micro enterprise loan) Type1	0%	0%	0%	N/A
Srishti Loan(Micro enterprise loan) Type 2	0%	0%	0%	N/A
Suchana Loan (Micro Loan) Type 1	0%	0%	0%	N/A
Suchana Loan (Micro Loan) Type 2	0%	0%	0%	N/A
Suraksha Loan (Health Loan)	0%	0%	0%	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
Samriddhi Loan (Micro Small and Medium Enterprise Loan)	10.0% annual, Flat	1 Fee	0 Ins Ins	None	5.0% upfront	0%	0%	N/A
Srishti Loan (Micro enterprise loan) Type1	10.0% annual, Flat	1 Fee	0 Ins Ins	None	5.0% upfront	0%	0%	N/A
Srishti Loan(Micro enterprise loan) Type 2	12.5% annual, Flat	1 Fee	0 Ins Ins	None	5.0% upfront	0%	0%	N/A
Suchana Loan (Micro Loan) Type 1	10.0% annual, Flat	1 Fee	0 Ins Ins	None	10.0% upfront	0%	0%	N/A
Suchana Loan (Micro Loan) Type 2	12.5% annual, Flat	1 Fee	0 Ins Ins	None	10.0% upfront	0%	0%	N/A
Suraksha Loan (Health Loan)	10.0% annual, Flat	0 Fees	0 Ins Ins	None	N/A	0%	0%	N/A

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Agricultural Loan	30.00% annual, Decl Bal	2 Fees	1 Ins Ins	None	N/A	40.5% - 46.5%	42.2% - 49.7%	65
Asset Acquisition Loan	30.00% annual, Flat	2 Fees	1 Ins Ins	None	N/A	54.9% - 65%	56.7% - 68.7%	50
Flexible Housing Loan	24.00% annual, Flat	2 Fees	1 Ins Ins	None	N/A	59.6% - 63.9%	60.8% - 65.9%	37
Micro Business Individual Loan	36.00% annual, Flat	2 Fees	1 Ins Ins	None	N/A	63.1% - 69.9%	65.2% - 73.1%	52
Micro Mortgage Loan	30.00% annual, Decl Bal	2 Fees	1 Ins Ins	None	N/A	31.1% - 35.5%	32.3% - 37.9%	86
Small & Medium Enterprise Loan	30.00% annual, Decl Bal	2 Fees	1 Ins Ins	None	N/A	28.3% - 33.8%	31.3% - 35.5%	88
Small Business Loan	30.00% annual, Flat	2 Fees	1 Ins Ins	None	N/A	55% - 55.1%	56.7% - 56.9%	52
School Fees Loan	30.00% annual, Flat	2 Fees	1 Ins Ins	None	N/A	57.7% - 73.5%	60.8% - 78%	45
Micro Business Group Loan	36.00% annual, Flat	2 Fees	1 Ins Ins	None	10.00% upfront	65.7% - 80.6%	80.2% - 99.8%	41

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Key Statistics
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# Institutions
# Countries
# Borrowers
Loan Portfolio (USD)
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% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits

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Institution

Institution

Institution Details

Institution Details

Loan Products » Summary

Loan Products » Summary

Loan Products » Conditions

Loan Products » Conditions

Loan Products » MFIN India Additional Information

Loan Products » Pricing Information

Loan Products » Pricing Information

Loan Products » MFIN India Additional Information

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Loan Products » Pricing Information

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Institution Price Graph

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