| Institution Type | Private 'For-Profit' |
| Is this institution regulated? | N/A |
| Website address | http://www.basixindia.com/ |
| Year established | 1996 |
| Head of Institution | Mr. Manmathdalai |
| Regions active | 0 |
| # Branches | 138 |
| Total Portfolio (nat'l) | INR 11,024,902 |
| Total Portfolio (USD) | USD 244,997.82 |
| Active clients with loans | 1,199,141 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | MFIN, Sadhan |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Samruddhi Agri Allied Loan | INR 8,000 - 30,000 | 23 - 24 | 20% - 40% | 0% - 20% | 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 - 30,000 | 11 | 20% - 40% | 0% - 20% | Business, only for working for capital crop cultivation , purchase of agriculture inputs i.e. seeds, fertili | Women, Men, All farmers including tenant farmers engaged in cultivation of field crops | Credit Ins | |||||||
| Samruddhi Micro Enterprise (NFS) Loan | INR 10,000 - 30,000 | 23 - 24 | 40% - 60% | 0% - 20% | Business, For establishment cost,fixed cost,working capital | Women, Men, Joint Liability Group | Credit Ins |
| 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 | 0% | 25% - 25.3% | 25% - 25.3% | N/A | ||||||||||
| Samruddhi Crop Loan | 0% | 26% - 27.8% | 29.9% - 31.7% | N/A | ||||||||||
| Samruddhi Micro Enterprise (NFS) Loan | 0% | 25.1% - 25.4% | 25.1% - 25.4% | N/A |
| 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 | 0 Ins | None | N/A | 25% - 25.3% | 25% - 25.3% | 95 | ||||||||
| Samruddhi Crop Loan | 21.0% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 26% - 27.8% | 29.9% - 31.7% | 68 | ||||||||
| Samruddhi Micro Enterprise (NFS) Loan | 24.0% annual, Decl Bal | 2 Fees | 0 Ins | None | N/A | 25.1% - 25.4% | 25.1% - 25.4% | 95 |
| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| AB Bank | 300 | 307,000 | 2 | 168 |
| AMZ | 4,900 | 651,000 | 2 | 168 |
| CETZAM | 6,700 | 2,210,000 | 4 | 168 |
| Eclof Zambia | 200 | 111,000 | 4 | 168 |
| Empowerment | 1,500 | 447,000 | 5 | 168 |
| FINCA Zambia | 43,700 | 16,420,000 | 4 | 125 |
| Harmos | 9,800 | 1,398,000 | 3 | 168 |
| Kungoma | 43 | 18,000 | 2 | 168 |
| MBT | 13,900 | 1,563,000 | 5 | 168 |
| Meanwood | 2,000 | 1,766,000 | 5 | 168 |
| PFSL | 1,300 | 3,506,000 | 3 | 168 |
| Zambia CRC | 30 | 1,000 | 1 | 168 |
| Key Statistics | |
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| % Products using declining balance | |
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| % Products with compulsory deposits |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
|---|---|---|---|---|---|---|---|
