2. Chaitanya
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. TPC
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

Chaitanya India Fin Credit Pvt Ltd #169, 1st Floor, 5th MainChamarajpetBangalore, KarnatakaPO Box 560018
Data approved: 2012-11-26
Data version: 3
Age of data: 139 months
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Institution

Thaneakea Phum Cambodia Ltd. #94, Street 360, Sangkat Boeng Kengkang IIIKhan ChamkrmonPhnom Penh, Cambodia
Data approved: 2013-03-21
Data version: 3
Age of data: 139 months
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Product

2D Business Loan Product 2 of 7 « Prev | Next »

Product

Individual Loan - Seasonal (KHR) Product 3 of 15 « Prev | Next »

Product Summary

Number borrowers2,162
Loan Amount (range)INR 36,000 - 50,000
Loan Term (range)24 - 30
Other Services (text summary)Credit Educ, Group Mtgs, Credit Ins
Annual Interest & Method26.0% annual, Decl Bal
Fees0.88% upfront
Insurance1.20% upfront
Tax12.36% fees
Comp DepN/A
Range of pricing 
Interest Price Component25.8% - 27.3%
Fee Component1.4% - 2.4%
Insurance Component2.1% - 3.5%
Tax Component Range0.2% - 0.4%
Full APR (int fee ins tax dep)29.6% - 30.1%
Transparency Index (min/max)79 - 88
Transparency Index (average)87

Product Summary

2,034
KHR 800,000 - 20,000,000
3 - 12
30.0%-42.0% annual, Decl Bal
800.00-12,000.00 upfront
None
None
N/A
 
21.7% - 37.1%
0 - 1.6%
0
0
32.0% - 36.7%
68 - 99
87

Product Details

Key Statistics
Outstanding portfolio (INR)INR 27,997,776
Portfolio (USD)USD 528,259.92
Active Clients with Loans2,162
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
OtherJoint liability group (JLGs)
Description
2D Business loan is offered to customers engaged in income generating activities. The loan term is 2 years and loan disbursement is made in two installments.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visits
Business training
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
Household income <60,000 INR
Household income <120,000 INR
Must live in rural area
Must lives in urban area
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution1
# Regions for this product1
Regions ActiveKarnataka

Product Details

Key Statistics
Outstanding portfolio (KHR)KHR 5,701,358,600
Portfolio (USD)USD 1,443,381.92
Active Clients with Loans2,034
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Allows the borrower to use loan in their animal raising, storage, fishing, farming and/or agri-businesses activities. Payments can be either Balloon or Semi - Balloon
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other servicesx
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or landx
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 institution13
# Regions for this product11
Regions ActiveBanteay Meanchey, Battambang, Kampong Cham, Kampot, KandalKratié, Oddar Meancheay, Prey VengSiem Reap, Svay Rieng, Takéo

Loan Conditions

Loan Amount
CurrencyINR
Minimum loan sizeINR 36,000
Maximum loan size50,000
Distribution at Disbursement (Est.)
Loans less than INR 5,0000
INR 5,000-15,0000
INR 15,000-25,0000
INR 25,000-35,0000
INR 35,000-45,00050%
Greater than INR 45,00050%
Loan Term and Grace Period
Shortest loan term24.0 months
Longest loan term30.0 months
Approx average27.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months100%
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeksx
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyKHR
Minimum loan sizeKHR 800,000
Maximum loan size20,000,000
Distribution at Disbursement (Est.)
Loans less than KHR 1,000,00010%
KHR 1,000,000-3,500,00050%
KHR 3,500,000-6,000,00030%
KHR 6,000,000-8,000,0005%
KHR 8,000,000-10,000,0005%
Greater than KHR 10,000,0005%
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term12.0 months
Approx average10.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months10%
Between 7 and 9 months10%
Between 10 and 12 months80%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage100%
Average grace periodDK
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular paymentsx

Pricing Information

Interest
Lowest quoted nominal interest26.00%
Highest quoted nominal interest26.00%
Reason(s) why interest rate variesN/A
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProcessing Fee
% of loan amount - min0.88%
% of loan amount - max0.88%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionCredit Insurance
% of loan amount - min1.20%
% of loan amount - max1.20%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?Yes
Percentage of fees12.4%
All or some fees taxedSome

Pricing Information

Interest
Lowest quoted nominal interest2.50%
Highest quoted nominal interest3.50%
Reason(s) why interest rate variesBranch, Time as Client, Loan Size, Client Risk, Collateral, Loan Purpose
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionCredit Bureau Cambodia - CBC Fee
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min800
Fixed amount - max12,000
Reason for variationCharge 800 KHR for loan size <= 2,000,000 KHR or equivalent, and charge 12,000 KHR for loan over 2,000,000 KHR
Appears on Repayment Sched?Yes
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 forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

2D Business Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountINR 40,000INR 40,000INR 49,000INR 49,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2012-09-272012-11-022012-10-172012-07-24
Loan Term (Months)25.0 months28.0 months28.0 months28.0 months
Grace Period (Months)0.1 months0.4 months0.0 months0.0 months
Total Cost of CreditINR 7,811INR 9,029INR 10,755INR 10,783
True Price by Comp       
Interest price component25.9%25.9%25.9%25.9%
Fee Component1.6%1.4%1.5%1.5%
Insurance Component2.3%2.1%2.1%2.1%
Tax Component0.3%0.2%0.2%0.2%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)30.1%29.6%29.7%29.7%
MFIN MFI Earning (Annualised)27.5%27.3%27.4%27.4%
MFIN Cost to Borrower (Annualised)30.1%29.6%29.7%29.7%
Transparency Index86888788
MFIN Transparency Index100100100100
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
* The APR stated here is an MFTransparency term, definition and formula

Full Pricing Data

Individual Loan - Seasonal (KHR) samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountKHR 1,300,000KHR 2,500,000KHR 5,000,000KHR 7,000,000KHR 10,000,000KHR 12,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2013-02-202013-02-272013-02-282013-02-282013-01-302013-02-21
Loan Term (Months)12.0 months12.0 months12.0 months13.0 months12.0 months13.0 months
Grace Period (Months)11.0 months4.7 months4.6 months5.6 months7.2 months7.5 months
Total Cost of CreditKHR 452,300KHR 718,000KHR 1,317,000KHR 2,195,700KHR 3,056,700KHR 3,488,000
True Price by Comp           
Interest price component34.8%36.0%36.0%31.8%33.0%33.0%
Fee Component0.1%0.7%0.4%0.2%0.2%0.1%
Insurance Component0.0%0.0%0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)34.9%36.7%36.4%32.0%33.2%33.1%
Transparency Index868282949091
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
2D Business Loan Price Graphs


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Individual Loan - Seasonal (KHR) Price Graphs


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Key Statistics
# Samples:
# Products
# Institutions
# Countries
# Borrowers
Loan Portfolio (USD)
% Products using declining balance
% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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