Bhartiya Samruddhi Finance Limited - MFTransparency.org Truth In Lending Tables

Please note that the information you are viewing is 138 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 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

Bhartiya Samruddhi Finance Limited 3rd Floor, Surabhi Arcade,Troop Bazar, Bank Street, KotiHyderabad, Andhra PradeshPO Box 500 001

Data approved: 2013-01-25

Data version: 2

Age of data: 138 months

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Institution

Tameer Microfinance Bank A-15, Block 7/8 KCHS Union, Karachi 75350, PakistanKarachi75350

Data approved: 2013-06-05

Data version: 1

Age of data: - months

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Institution Details

Institution Type	Non Bank Financial Institution
Is this institution regulated?	Yes
Website address	http://www.basixindia.com/
Year established	1996
Head of Institution	Mr. Vijaymahajan
Regions active	Andhra Pradesh, Bihar, Chhattisgarh, GujaratJharkhand, Karnataka, Madhya Pradesh, Maharashtra, Meghalaya, OrissaPunjab, Rajasthan, Sikkim, Tripura, Uttar Pradesh, Uttarakhand, West Bengal
# Branches	188

Total Portfolio (nat'l)	INR 2,414,154
Total Portfolio (USD)	USD 45,550.08
Active clients with loans	396,861
Approximate % female clients	60% - 80%
Approximate % urban clients	0% - 20%
Network affiliations	MFIN, Sadhan

Institution Details

Institution Type	Bank
Is this institution regulated?	Yes
Website address	http://www.tameerbank.com
Year established	2005
Head of Institution	Nadeem Hussain (CEO & President)
Regions active	Balochistan, Khyber Pakhtunkwa, Punjab, Sindh
# Branches	115 (inclusive of Financial Centres & Community Centres)

Total Portfolio (nat'l)	PKR 6,960,000,000
Total Portfolio (USD)	USD 71,020,408.16
Active clients with loans	160,336
Approximate % female clients	40% - 60%
Approximate % urban clients	40% - 60%
Network affiliations	Pakistan Micro Finance Network
Funders	CGAP, DFID

Loan Products » Summary

Agri Allied

64,244 Borrowers

USD 6,876,623.96 Portfolio

Active Product

Crop Loan

8,998 Borrowers

USD 1,604,170.72 Portfolio

Active Product

Enterprise

201,981 Borrowers

USD 23,110,165.02 Portfolio

Active Product

Loan Products » Summary

Sarmaya

82,561 Borrowers

USD 59,766,218.82 Portfolio

Active Product

Karobar

31,428 Borrowers

USD 5,405,434.46 Portfolio

Active Product

Livestock

348 Borrowers

USD 278,276.35 Portfolio

Active Product

Group

43,136 Borrowers

USD 4,597,445.19 Portfolio

Active Product

Motorbike

501 Borrowers

USD 140,155.67 Portfolio

Active Product

Housing

2,050 Borrowers

USD 1,696,102.26 Portfolio

Active Product

Salary

5,256 Borrowers

USD 953,930.81 Portfolio

Active Product

Loan Products » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility	Other Services
Samruddhi Agri Allied Loan	INR 15,000 - 50,000	23 - 24	60% - 80%	0% - 20%	Business, Agriculture, For improving dairy livelihoods and buying inputs, purchase of mulch animals,procurement of fodder	Women, Men, Joint Liability Group	Credit Ins
Samruddhi Crop Loan	INR 10,000 - 15,000	11	20% - 40%	0% - 20%	Business, Agriculture	Women, Men, All farmers/tenant farmers engaged in field crop cultivation	Credit Ins
Samruddhi Micro Enterprise (NFS) Loan	INR 15,000 - 50,000	23 - 24	60% - 80%	0% - 20%	Business, For establishment cost,fixed cost,working capital	Women, Men	Credit Ins

Loan Products » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility	Other Services
Tameer Sarmaya Qarza (TSQ)	PKR 10,000 - 150,000	3 - 12	20% - 40%	20% - 40%	Business, Agriculture, Other	Women, Men	Credit Ins
Karobar Loan	PKR 10,000 - 125,000	6 - 18	0% - 20%	60% - 80%	Business	Women, Men, Have business
Livestock Financing	PKR 50,000 - 400,000	6 - 24	0%	100%	Business	Women, Men, Have business
Group Loan	PKR 15,000 - 25,000	6 - 12	60% - 80%	60% - 80%	Business	Women, Men
Motorbike Financing	PKR 25,000 - 79,200	12 - 24	0%	100%	Business, Consumer	Men	Credit Ins
House Finance	PKR 20,000 - 450,000	24 - 60	0%	100%	Housing, Consumer	Women, Men, Have home or land	Credit Ins
Salary Loan	PKR 10,000 - 150,000	12 - 18	0% - 20%	100%	Consumer, Other	Women, Men, Salaried worker

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
Samruddhi Agri Allied Loan	23.8%	24.5% - 24.8%	28.5% - 29.5%	Yes	Yes	Yes	100
Samruddhi Crop Loan	22.9% - 23%	24.7% - 24.8%	29.1% - 29.2%	Yes	Yes	Yes	100
Samruddhi Micro Enterprise (NFS) Loan	23.7% - 23.8%	24.5% - 24.7%	28.9% - 29.3%	Yes	Yes	Yes	100

*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
Samruddhi Agri Allied Loan	24.0% annual, Decl Bal	1 Fee	2 Ins	12.36% fees	N/A	24.5% - 24.8%	28.5% - 29.5%	83
Samruddhi Crop Loan	24.0% annual, Decl Bal	1 Fee	2 Ins	12.36% fees	N/A	24.7% - 24.8%	29.1% - 29.2%	82
Samruddhi Micro Enterprise (NFS) Loan	24.0% annual, Decl Bal	1 Fee	2 Ins	12.36% fees	N/A	24.5% - 24.7%	28.9% - 29.3%	82

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Tameer Sarmaya Qarza (TSQ)	27.0%-33.0% annual, Flat	1 Fee	16.00% fees	N/A	27.8% - 41.2%	28% - 42.9%	N/A
Karobar Loan	21.0%-25.0% annual, Flat	1 Fee	16.00% fees	N/A	40.4% - 47.4%	41% - 49%	N/A
Livestock Financing	23.0%-30.0% annual, Flat	1 Fee	16.00% fees	N/A	40.4% - 42.3%	40.5% - 42.7%	N/A
Group Loan	21.0% annual, Flat	1 Fee	16.00% fees	5.0%-10.0% upfront	39.8% - 43.8%	46.9% - 48.3%	N/A
Motorbike Financing	28.0% annual, Flat	1 Fee	16.00% fees	N/A	39.3% - 49.4%	39.9% - 49.7%	N/A
House Finance	19.0%-20.0% annual, Flat	1 Fee	16.00% fees	N/A	32.3% - 42.8%	32.4% - 43.6%	N/A
Salary Loan	18.0% annual, Flat	1 Fee	16.00% fees	N/A	33.3% - 42.7%	33.4% - 44.2%	N/A

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
Samruddhi Agri Allied Loan	23.8%	24.5% - 24.8%	28.5% - 29.5%	Yes	Yes	Yes	100
Samruddhi Crop Loan	22.9% - 23%	24.7% - 24.8%	29.1% - 29.2%	Yes	Yes	Yes	100
Samruddhi Micro Enterprise (NFS) Loan	23.7% - 23.8%	24.5% - 24.7%	28.9% - 29.3%	Yes	Yes	Yes	100

*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
Samruddhi Agri Allied Loan	24.0% annual, Decl Bal	1 Fee	2 Ins Ins	12.36% fees	N/A	24.5% - 24.8%	28.5% - 29.5%	83
Samruddhi Crop Loan	24.0% annual, Decl Bal	1 Fee	2 Ins Ins	12.36% fees	N/A	24.7% - 24.8%	29.1% - 29.2%	82
Samruddhi Micro Enterprise (NFS) Loan	24.0% annual, Decl Bal	1 Fee	2 Ins Ins	12.36% fees	N/A	24.5% - 24.7%	28.9% - 29.3%	82

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Tameer Sarmaya Qarza (TSQ)	27.0%-33.0% annual, Flat	1 Fee	0 Ins Ins	16.00% fees	N/A	27.8% - 41.2%	28% - 42.9%	N/A
Karobar Loan	21.0%-25.0% annual, Flat	1 Fee	0 Ins Ins	16.00% fees	N/A	40.4% - 47.4%	41% - 49%	N/A
Livestock Financing	23.0%-30.0% annual, Flat	1 Fee	0 Ins Ins	16.00% fees	N/A	40.4% - 42.3%	40.5% - 42.7%	N/A
Group Loan	21.0% annual, Flat	1 Fee	0 Ins Ins	16.00% fees	5.0%-10.0% upfront	39.8% - 43.8%	46.9% - 48.3%	N/A
Motorbike Financing	28.0% annual, Flat	1 Fee	0 Ins Ins	16.00% fees	N/A	39.3% - 49.4%	39.9% - 49.7%	N/A
House Finance	19.0%-20.0% annual, Flat	1 Fee	0 Ins Ins	16.00% fees	N/A	32.3% - 42.8%	32.4% - 43.6%	N/A
Salary Loan	18.0% annual, Flat	1 Fee	0 Ins Ins	16.00% fees	N/A	33.3% - 42.7%	33.4% - 44.2%	N/A

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Key Statistics
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# Institutions
# Countries
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Loan Portfolio (USD)
% Products using declining balance
% 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

Loan Products » Pricing Information

Loan Products » Pricing Information

Institution Price Graph

Institution Price Graph

Total Borrowers of Samples

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