Institution Type | Non Bank Financial Institution |
Is this institution regulated? | Yes |
Website address | http://www.ujjivan.com/ |
Year established | 2005 |
Head of Institution | Samit Ghosh |
Regions active | Assam, Bihar, Goa, Gujarat, HaryanaJharkhand, Karnataka, Kerala, Maharashtra, Meghalaya, OrissaPunjab, Rajasthan, Tamil Nadu, Uttar Pradesh, Uttarakhand, West Bengal, Chandigarh, National Capital Territory of Delhi, Puducherry |
# Branches | 298 |
Total Portfolio (nat'l) | INR 8,831,317,978 |
Total Portfolio (USD) | USD 166,628,641.10 |
Active clients with loans | 918,610 |
Approximate % female clients | 80% - 100% |
Approximate % urban clients | 80% - 100% |
Network affiliations | Association of Karnataka Microfinance Inst (AKMI), Sa-Dhan, MFIN, Women's World Banking |
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 |
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 |
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 |
Outstanding portfolio (COP) | COP 8,883,457 |
Portfolio (USD) | USD 4,881.02 |
Active Clients with Loans | 9 |
Approximate % Female Clients | 60% - 80% |
Approximate % Urban Clients | 80% - 100% |
Any purpose | |
Income generation | x |
Mortgage/housing | |
Consumer loan | |
Agriculture | |
Education | |
Other household finance | x |
Other | Capital de Trabajo |
Other (2) |
Men | x |
Women | x |
Must run a business | x |
Must own a home or land | |
Must be a salaried worker | |
Must be specific age group | |
Other | |
Other (2) |
# Regions for this institution | N/A |
# Regions for this product | N/A |
Regions Active |
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