| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.spandanaindia.com/ |
| Year established | 2004 |
| Head of Institution | Padmaja Reddy G. |
| Regions active | Andhra Pradesh, Chhattisgarh, Goa, GujaratJharkhand, Karnataka, Kerala, Madhya Pradesh, Maharashtra, Orissa |
| # Branches | 1221 |
| Total Portfolio (nat'l) | INR 27,681,507,970 |
| Total Portfolio (USD) | USD 522,292,603.20 |
| Active clients with loans | 3,305,413 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | Sadhan, Mix Market, MFIN, WWB |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Abhilasha | INR 4,000 - 30,000 | 0.6 - 24 | 80% - 100% | 0% - 20% | Business, Housing, Education, Other | Women, Low HH Inc, Med HH Inc, Economically active. | Credit Educ, Group Mtgs, Other Training, Group Solidarity Training | |||||||
| Pragathi | INR 15,000 - 50,000 | 18 - 24 | 80% - 100% | 0% - 20% | Business | Women, Self-employed. | Credit Educ, Group Mtgs, Group Solidarity Training |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Abhilasha | 24.8% - 26.1% | 28.2% - 28.9% | 30.7% - 31.5% | Yes | Yes | Yes | 100 | |||||||
| Pragathi | 26.1% | 28.1% | 30.5% | Yes | Yes | Yes | 100 |
| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| AGFS | 200 | 47,000 | 2 | 153 |
| Ahantaman RB | 23,800 | 9,896,000 | 4 | 135 |
| APED | 13,700 | 1,876,000 | 2 | 135 |
| ASA Initiative | 4,400 | 577,000 | 4 | 135 |
| ASA-Ghana | 71,600 | 18,385,000 | 2 | 135 |
| ASPI | 800 | 88,000 | 6 | 135 |
| Atwima Kwanwoma | 3,800 | 1,788,000 | 2 | 135 |
| Baobab | 5,100 | 967,000 | 2 | 135 |
| BestFUND | 13,000 | 4,172,000 | 3 | 135 |
| Bonzali Rural | 10,400 | 1,691,000 | 4 | 153 |
| CashPhase | 83 | 135,000 | 2 | 135 |
| CASUD | 1,100 | 524,000 | 1 | 135 |
| CEDEF | 500 | 54,000 | 4 | 135 |
| CFF | 100 | 13,000 | 1 | 135 |
| CRAN | 3,600 | 1,019,000 | 2 | 135 |
| DQF | 1,700 | 63,000 | 2 | 135 |
| EASL | 9,200 | 11,409,000 | 6 | 135 |
| East Mamprusi | 12,500 | 2,268,000 | 4 | 135 |
| ELDA | 0 | 0 | 0 | 135 |
| EMPRETEC Ghana | 200 | 56,000 | 2 | 135 |
| FASL | 13,500 | 14,047,000 | 8 | 135 |
| Grameen Ghana | 9,500 | 507,000 | 3 | 135 |
| ID-Ghana | 5,600 | 953,000 | 3 | 135 |
| Innovative Finance | 2,700 | 354,000 | 3 | 135 |
| Kraban Support | 7,700 | 781,000 | 5 | 153 |
| KRB | 4,000 | 6,350,000 | 3 | 135 |
| Lower Pra RB | 34,000 | 6,316,000 | 3 | 153 |
| Maata-N-Tudu | 12,000 | 941,000 | 4 | 135 |
| Mail Finance | 300 | 288,000 | 1 | 135 |
| Markaz | 0 | 0 | 0 | 135 |
| Markaz Al Bishara | 100 | 17,000 | 1 | 135 |
| MicrofinPlus Gh | 1,100 | 251,000 | 2 | 135 |
| Nwabiagya RB | 4,000 | 2,265,000 | 3 | 135 |
| OISL | 62,000 | 27,232,000 | 9 | 135 |
| Pro Credit | 0 | 0 | 0 | 135 |
| Rich Step | 100 | 101,000 | 1 | 135 |
| SAT | 147,600 | 29,359,000 | 4 | 135 |
| Sekam Trust | 600 | 137,000 | 2 | 135 |
| Simli Pong | 8,900 | 463,000 | 3 | 153 |
| SS Ghana | 200 | 35,000 | 1 | 135 |
| TCCU | 100 | 32,000 | 3 | 135 |
| The Bridge | 400 | 32,000 | 3 | 153 |
| Union RB | 3,800 | 2,361,000 | 4 | 135 |
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| % Products with compulsory deposits |
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