2. Spandana
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

Spandana Sphoorty Financial Limited Plot No 79, Care Crystal,Vinayak Nagar, GachibowliHyderabad, Andhra Pradesh500032
Data approved: 2013-05-02
Data version: 3
Age of data: 139 months
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Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.spandanaindia.com/
Year established2004
Head of InstitutionPadmaja Reddy G.
Regions activeAndhra Pradesh, Chhattisgarh, Goa, GujaratJharkhand, Karnataka, Kerala, Madhya Pradesh, Maharashtra, Orissa
# Branches1221

Total Portfolio (nat'l)INR 27,681,507,970
Total Portfolio (USD)USD 522,292,603.20
Active clients with loans3,305,413
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliationsSadhan, Mix Market, MFIN, WWB

Loan Products » Summary

Abhilasha
178,199 Borrowers
USD 43,740,584.21 Portfolio
Active Product
Pragathi
355,279 Borrowers
USD 103,500,247.70 Portfolio
Active Product
Dharani
Retired Product

Loan Products » Conditions

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

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
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
*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
Abhilasha 24.5%-26.1% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 28.2% - 28.9% 30.7% - 31.5% 79
Pragathi 26.0% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 28.1% 30.5% 85
Institution Price Graph
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  2. OLP
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

Orix Leasing Pakistan Ltd Plot # 16, Sector 24, Korangi Industrial AreaKarachi
Data approved: 2015-05-11
Data version: 2
Age of data: 113 months
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Product

Microcredit Productive Loans Product 1 of 3 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 309,952,132
Portfolio (USD)USD 3,043,729.94
Active Clients with Loans18,936
Approximate % Female Clients100%
Approximate % Urban Clients20% - 40%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Microcredit loans are offered to Female clients to increase the income generating potentials of home based clients.
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
Men
Womenx
Must run a business
Must own a home or land
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 institution2
# Regions for this product1
Regions ActivePunjab

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 20,000
Maximum loan size50,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0000
PKR 10,000-25,00060%
PKR 25,000-50,00040%
PKR 50,000-75,0000
PKR 75,000-150,0000
Greater than PKR 150,0000
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term12.0 months
Approx average12.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months100%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
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 payments

Pricing Information

Interest
Lowest quoted nominal interest20.00%
Highest quoted nominal interest20.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionLoan processing Fee
% of loan amount - min2.00%
% of loan amount - max2.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionCredit Life Insurance
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min150
Fixed amount - max300
Reason for variation20k: 150, 21k-25k: 180, 26k-30k:200, 31k-35k:230, 36k-40k:250, 41k-50k:300
Appears on Repayment Sched?Yes
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

Microcredit Productive Loans samples
Loan Amount
Type of Sample
Disbursement Date
Loan Term (Months)
Grace Period (Months)
Total Cost of Credit
Full APR (int fee ins tax dep)
True Price by Component
Transparency Index
Original Repayment Schedule
MFT Pricing Calculation
Interest price component
Fee Component
Insurance Component
Tax Component
Deposit Component
PKR 20,000 Real 2015-04-30 11.8 months N/A PKR 4,550 41.7% 36.0% 4.1% 1.6% 0.0% 0.0% 48 PDF PDF
PKR 20,000 Generated 2015-05-01 12.0 months N/A PKR 4,539.04 40.1% 34.6% 4.0% 1.5% 0.0% 0.0% 50 - PDF
PKR 25,000 Real 2015-04-29 11.8 months N/A PKR 5,680 41.4% 35.8% 4.1% 1.5% 0.0% 0.0% 48 PDF PDF
PKR 22,000 Generated 2015-05-01 12.0 months N/A PKR 5,007.95 40.2% 34.6% 4.0% 1.6% 0.0% 0.0% 50 - PDF
PKR 23,000 Generated 2015-05-01 12.0 months N/A PKR 5,227.40 40.1% 34.6% 4.0% 1.5% 0.0% 0.0% 50 - PDF
PKR 24,000 Generated 2015-05-01 12.0 months N/A PKR 5,446.85 40.1% 34.6% 4.0% 1.5% 0.0% 0.0% 50 - PDF
PKR 25,000 Generated 2015-05-01 12.0 months N/A PKR 5,666.30 40.0% 34.6% 4.0% 1.4% 0.0% 0.0% 50 - PDF
PKR 29,000 Generated 2015-05-01 12.0 months N/A PKR 6,564.11 40.0% 34.6% 4.0% 1.4% 0.0% 0.0% 50 - PDF
PKR 35,000 Generated 2015-05-01 12.0 months N/A PKR 7,910.82 39.9% 34.6% 4.0% 1.3% 0.0% 0.0% 50 - PDF
PKR 49,000 Generated 2015-05-01 12.0 months N/A PKR 11,053.15 39.8% 34.6% 4.0% 1.2% 0.0% 0.0% 50 - PDF
Microcredit Productive Loans 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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