2. Pragathi
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Institution

Pragathi MAC Credit & Marketing Federation Ltd. #2-6-45/2, Sri Shanthi Nagar Colony, Road No. 2Circuit House Road, HanamkondaWarangal, Andhra Pradesh506001
Data approved: 2010-11-15
Data version: 1
Age of data: 167 months

Institution Details

Institution TypeCredit Union / Cooperative
Is this institution regulated?Yes
Website addressN/A
Year established1999
Head of InstitutionSri G. John
Regions active
# Branches38

Total Portfolio (nat'l)INR 242,718,712
Total Portfolio (USD)USD 4,579,598.34
Active clients with loans23,289
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliations

Loan Products » Summary

Agriculture
3,005 Borrowers
USD 523,382.68 Portfolio
Active Product
Crop
8,014 Borrowers
USD 1,395,687.11 Portfolio
Active Product
Education
1,002 Borrowers
USD 174,460.89 Portfolio
Active Product
Group
501 Borrowers
USD 87,230.43 Portfolio
Active Product
Housing
2,004 Borrowers
USD 348,921.77 Portfolio
Active Product
Micro
11,771 Borrowers
USD 2,049,915.45 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agriculture and Allied Business Loan INR 5,000 - 50,000 12 - 20 80% - 100% 0% - 20% Business Women Credit Educ, Group Mtgs, Credit Ins, Other Training
Crop Loan INR 3,000 - 25,000 6 - 15 80% - 100% 0% - 20% Business, Other Women Credit Educ, Group Mtgs, Credit Ins, Other Training
Education Loan INR 3,000 - 20,000 12 - 20 60% - 80% 0% - 20% Education Women, Have home or land, Salaried worker Group Mtgs, Credit Ins, Other Training
Group Loan INR 10,000 - 30,000 12 - 20 80% - 100% 20% - 40% Any Purpose Women Credit Educ, Group Mtgs, Credit Ins, Other Training, Livelihood and Social Awareness programs
Housing Loan INR 10,000 - 50,000 15 - 30 60% - 80% 0% - 20% Housing Women, Salaried worker Credit Educ, Group Mtgs, Credit Ins, Other Training
Micro Enterprise Loan INR 5,000 - 50,000 12 - 20 80% - 100% 0% - 20% Business Women, Have business Credit Educ, Group Mtgs, Other Training, Social Awareness programs

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
Agriculture and Allied Business Loan 0% 25.6% 32.7% - 36.1% N/A
Crop Loan 0% 21.5% - 21.6% 26.6% - 28.7% N/A
Education Loan 0% 25.6% - 25.7% 33.8% - 36.2% N/A
Group Loan 0% 25.6% - 25.7% 32.7% - 33.8% N/A
Housing Loan 0% 25.6% - 25.7% 33.2% - 36.1% N/A
Micro Enterprise Loan 0% 25.6% - 25.7% 32.7% - 35.9% 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
Agriculture and Allied Business Loan 12.5% annual, Flat 1 Fee 1 Ins None 10.0% upfront 50.00 ongoing 25.6% 32.7% - 36.1% 37
Crop Loan 12.5% annual, Flat 1 Fee 1 Ins None 10.0% upfront 50.00 ongoing 21.5% - 21.6% 26.6% - 28.7% 45
Education Loan 12.5% annual, Flat 1 Fee 1 Ins None 10.0% upfront 100.00 ongoing 25.6% - 25.7% 33.8% - 36.2% 36
Group Loan 12.5% annual, Flat 1 Fee 1 Ins None 10.0% upfront 50.00 ongoing 25.6% - 25.7% 32.7% - 33.8% 37
Housing Loan 9.0% annual, Flat 1 Fee 1 Ins None 10.0% upfront 100.00 ongoing 25.6% - 25.7% 33.2% - 36.1% 26
Micro Enterprise Loan 12.5% annual, Flat 1 Fee 1 Ins None 10.0% upfront 50.00 ongoing 25.6% - 25.7% 32.7% - 35.9% 37
Institution Price Graph
Click to view Price Analysis Tool
Institution # Borrowers Portfolio (US$) Products Age of Data
AGFS20047,0002154
Ahantaman RB23,8009,896,0004136
APED13,7001,876,0002136
ASA Initiative4,400577,0004136
ASA-Ghana71,60018,385,0002136
ASPI80088,0006136
Atwima Kwanwoma3,8001,788,0002136
Baobab5,100967,0002136
BestFUND13,0004,172,0003136
Bonzali Rural10,4001,691,0004154
CashPhase83135,0002136
CASUD1,100524,0001136
CEDEF50054,0004136
CFF10013,0001136
CRAN3,6001,019,0002136
DQF1,70063,0002136
EASL9,20011,409,0006136
East Mamprusi12,5002,268,0004136
ELDA000136
EMPRETEC Ghana20056,0002136
FASL13,50014,047,0008136
Grameen Ghana9,500507,0003136
ID-Ghana5,600953,0003136
Innovative Finance2,700354,0003136
Kraban Support7,700781,0005154
KRB4,0006,350,0003136
Lower Pra RB34,0006,316,0003154
Maata-N-Tudu12,000941,0004136
Mail Finance300288,0001136
Markaz000136
Markaz Al Bishara10017,0001136
MicrofinPlus Gh1,100251,0002136
Nwabiagya RB4,0002,265,0003136
OISL62,00027,232,0009136
Pro Credit000136
Rich Step100101,0001136
SAT147,60029,359,0004136
Sekam Trust600137,0002136
Simli Pong8,900463,0003154
SS Ghana20035,0001136
TCCU10032,0003136
The Bridge40032,0003154
Union RB3,8002,361,0004136
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Key Statistics
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# Borrowers
Loan Portfolio (USD)
% Products using declining balance
% Products with one or more fee
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% Products with compulsory deposits
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