| 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 |
| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| 1st Valley Bank | 38,900 | 48,291,000 | 3 | 160 |
| AJDFI | 13,100 | 884,000 | 6 | 160 |
| ARDCI | 44,600 | 9,403,000 | 1 | 160 |
| ASA Philippines | 333,400 | 29,282,000 | 1 | 160 |
| ASHI | 35,400 | 5,231,000 | 6 | 160 |
| ASKI | 60,000 | 15,247,000 | 4 | 160 |
| Bangko Kabayan | 8,900 | 2,373,000 | 2 | 160 |
| BSEI | 600 | 73,000 | 2 | 160 |
| CBI | 8,100 | 2,010,000 | 5 | 160 |
| CCT | 70,300 | 9,504,000 | 4 | 160 |
| CEV | 35,400 | 5,111,000 | 4 | 160 |
| DSPI | 59,300 | 3,676,000 | 3 | 160 |
| ECLOF | 5,400 | 1,836,000 | 4 | 160 |
| FCB | 12,000 | 2,392,000 | 2 | 160 |
| FMB | 2,700 | 710,000 | 2 | 160 |
| GM Bank | 23,500 | 1,553,000 | 3 | 160 |
| HSPFI | 19,100 | 1,899,000 | 2 | 160 |
| JVOFI | 1,300 | 281,000 | 1 | 160 |
| Katipunan Bank | 42,100 | 5,325,000 | 2 | 160 |
| KDCI | 20,500 | 2,095,000 | 3 | 160 |
| KGI | 32,300 | 3,421,000 | 4 | 160 |
| KMBI | 245,000 | 15,098,000 | 1 | 160 |
| LTMPC | 37,400 | 8,935,000 | 3 | 160 |
| Mallig Plains | 6,500 | 641,000 | 2 | 160 |
| MILAMDEC | 29,800 | 3,278,000 | 2 | 160 |
| MWIMPC | 11,800 | 1,740,000 | 4 | 159 |
| NWTF | 105,500 | 12,698,000 | 5 | 160 |
| OFMPC | 4,400 | 964,000 | 1 | 160 |
| PBC | 50,700 | 10,434,000 | 4 | 160 |
| PCSD | 700 | 167,000 | 1 | 160 |
| PMPC | 23,500 | 5,565,000 | 8 | 160 |
| RB Angeles | 900 | 1,502,000 | 2 | 160 |
| RB Labason | 500 | 289,000 | 1 | 160 |
| RBLI | 5,200 | 1,026,000 | 2 | 160 |
| RBMI | 11,900 | 1,750,000 | 2 | 160 |
| RMB | 100 | 173,000 | 1 | 160 |
| RSPI | 39,600 | 2,834,000 | 4 | 160 |
| SAFRAGEMC | 1,100 | 229,000 | 1 | 160 |
| Salve | 10,900 | 1,191,000 | 3 | 160 |
| SEDP | 27,000 | 3,914,000 | 3 | 160 |
| TSKI | 212,900 | 25,187,000 | 2 | 160 |
| TSPI | 264,500 | 31,290,000 | 7 | 160 |
| Valient | 1,700 | 672,000 | 2 | 160 |
| Key Statistics | |
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| % Products with one or more insurances | |
| % Products with compulsory deposits |
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