2. Ujjivan
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Institution

Ujjivan Financial Services Private Limited #93, Jakkasandra ExtensionSarjapur Main Cross Road, Koramangala 1st BlockBangalore, KarnatakaPO Box 56003
Data approved: 2012-12-18
Data version: 2
Age of data: 140 months
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Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.ujjivan.com/
Year established2005
Head of InstitutionSamit Ghosh
Regions activeAssam, Bihar, Goa, Gujarat, HaryanaJharkhand, Karnataka, Kerala, Maharashtra, Meghalaya, OrissaPunjab, Rajasthan, Tamil Nadu, Uttar Pradesh, Uttarakhand, West Bengal, Chandigarh, National Capital Territory of Delhi, Puducherry
# Branches298

Total Portfolio (nat'l)INR 8,831,317,978
Total Portfolio (USD)USD 166,628,641.10
Active clients with loans918,610
Approximate % female clients80% - 100%
Approximate % urban clients80% - 100%
Network affiliationsAssociation of Karnataka Microfinance Inst (AKMI), Sa-Dhan, MFIN, Women's World Banking

Loan Products » Summary

Business
688,874 Borrowers
USD 119,564,143.30 Portfolio
Active Product
Education
5,676 Borrowers
USD 417,294.23 Portfolio
Active Product
Emergency
112 Borrowers
USD 1,935.47 Portfolio
Active Product
Family
212,667 Borrowers
USD 38,401,142.19 Portfolio
Active Product
Livestock
5,991 Borrowers
USD 2,464,108.25 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Business Loan INR 6,000 - 50,000 12 - 24 80% - 100% 80% - 100% Business Women, Have business, Med HH Inc, Can be used for spouses/son's business Credit Educ, Group Mtgs, Credit Ins, Financial Literacy Training, Life Insurance
Education Loan INR 5,000 - 15,000 12 80% - 100% 80% - 100% Education Women, Med HH Inc Credit Educ, Group Mtgs, Credit Ins, Financial literacy training, Scholarships by Parinaam Foundation for deserving students.
Emergency Loan INR 2,000 - 2,000 6 80% - 100% 80% - 100% Other, Emergency use only Women, Med HH Inc Group Mtgs
Family Loan INR 6,000 - 35,000 12 - 24 80% - 100% 80% - 100% Housing, Consumer, Education, Other Women, Med HH Inc Credit Educ, Group Mtgs, Credit Ins, Financial Literacy training, Life Insurance
Livestock Loan INR 15,000 - 35,000 24 80% - 100% 0% - 20% Business Women, Med HH Inc Credit Educ, Group Mtgs, Credit Ins

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
Business Loan 23.7% 25.1% - 25.5% 26.7% - 28.2% Yes Yes Yes 100
Education Loan 23.3% - 23.8% 25% - 25.7% 26.3% - 28.3% Yes Yes Yes 100
Emergency Loan 23.3% - 24.4% 23.3% - 24.4% 23.3% - 24.4% Yes Yes Yes 100
Family Loan 23.7% - 24.8% 25.1% - 26.7% 26.7% - 29.3% Yes Yes Yes 100
Livestock Loan 25% - 26.9% 26% - 27.9% 32.4% - 34.9% Yes Yes Yes 93
*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
Business Loan 24.0%-25.0% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 25.1% - 25.5% 26.7% - 28.2% 87
Education Loan 24.0%-25.0% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 25% - 25.7% 26.3% - 28.3% 87
Emergency Loan 24.0%-25.0% annual, Decl Bal 0 Fees 0 Ins None N/A 23.3% - 24.4% 23.3% - 24.4% 100
Family Loan 24.0%-25.0% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 25.1% - 26.7% 26.7% - 29.3% 86
Livestock Loan 24.0% annual, Decl Bal 1 Fee 2 Ins 12.36% fees N/A 26% - 27.9% 32.4% - 34.9% 72
Institution Price Graph
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  2. Seilanithih
Please note that the information you are viewing is 140 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Seilanithih Limted No. 35, St. 360Sangkat Boeung Keng Kang IKhan Chamkarmorn, Phnom Penh
Data approved: 2013-04-02
Data version: 3
Age of data: 140 months
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Product

Individual Loan (KHR) Product 7 of 8 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (KHR)KHR 12,616,520,700
Portfolio (USD)USD 3,194,055.87
Active Clients with Loans7,352
Approximate % Female Clients60% - 80%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
This loan is provided for individual people for the business purpose. It can be use for business, service, handicraft and agriculture.
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 groupx
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution7
# Regions for this product7
Regions ActiveBanteay Meanchey, Battambang, Kampong Cham, Kandal, Phnom Penh, PursatSiem Reap

Loan Conditions

Loan Amount
CurrencyKHR
Minimum loan sizeKHR 400,000
Maximum loan size20,000,000
Distribution at Disbursement (Est.)
Loans less than KHR 1,000,0005%
KHR 1,000,000-3,500,00015%
KHR 3,500,000-6,000,00020%
KHR 6,000,000-8,000,00030%
KHR 8,000,000-10,000,00010%
Greater than KHR 10,000,00010%
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term12.0 months
Approx average11.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less10%
Between 4 and 6 months10%
Between 7 and 9 months10%
Between 10 and 12 months70%
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 interest2.50%
Highest quoted nominal interest3.00%
Reason(s) why interest rate variesLoan Size
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
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 forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?No
Deposit BEFORE or AT Disbursement
% loan amount deposited3.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositFinal Pmt
Interest Paid on Deposit
Minimum interest rate paid6.00%
Maximum interest rate paid6.00%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?No

Full Pricing Data

Individual Loan (KHR) samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountKHR 500,000KHR 1,200,000KHR 2,500,000KHR 4,500,000KHR 7,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2013-01-102012-03-302013-03-292012-11-192012-06-13
Loan Term (Months)12.0 months12.0 months10.0 months12.0 months12.0 months
Grace Period (Months)11.3 months11.3 months9.5 months11.0 months11.1 months
Total Cost of CreditKHR 184,000KHR 442,800KHR 785,000KHR 1,489,200KHR 2,111,500
True Price by Comp         
Interest price component36.0%36.0%36.0%33.0%30.0%
Fee Component0.0%0.0%0.0%0.0%0.0%
Insurance Component0.0%0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component1.1%1.1%1.1%1.1%1.0%
Full APR (int fee ins tax dep)37.1%37.1%37.1%34.1%31.0%
Transparency Index8181818897
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF
Individual Loan (KHR) Price Graphs


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