2. Ujjivan
Please note that the information you are viewing is 143 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Salve
Please note that the information you are viewing is 162 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

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: 143 months
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Institution

Caritas Salve Credit Cooperative RM. 24 Caritas Bldg., Caritas Manila Compound2002 Jesus St., PandacanManila1011
Data approved: 2011-11-15
Data version: 1
Age of data: 162 months

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

Institution Details

Institution TypeCredit Union / Cooperative
Is this institution regulated?Yes
Website addresshttp://www.caritas.org.ph/
Year established2006
Head of InstitutionFr. Mario Castillo CM
Regions active
# Branches19

Total Portfolio (nat'l)PhP 57,042,219.37
Total Portfolio (USD)USD 1,364,646.40
Active clients with loans12,142
Approximate % female clients80% - 100%
Approximate % urban clients80% - 100%
Network affiliationsCaritas Manila/United Church Cooperative, Metro South Cooperative Bank, Vincentian Family Multi-Purpose Cooperative, Caritas et labora Human Resource Cooperative
FundersCaritas Manila, Radyo Veritas, Bahay Pari MPC

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 » Summary

Regular 11
659 Borrowers
USD 62,896.77 Portfolio
Active Product
Regular 15
693 Borrowers
USD 97,589.52 Portfolio
Active Product
Regular 23
9,551 Borrowers
USD 1,031,446.29 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 » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Regular Loan - 11 weeks PHP 2,000 - 150,000 2.6 80% - 100% 80% - 100% Business Women, Men, Have business Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Life insurance, Values Formation
Regular Loan - 15 weeks PHP 2,000 - 150,000 3.5 80% - 100% 80% - 100% Business Women, Men, Have business Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Regular Loan - 23 weeks PHP 2,000 - 150,000 5.3 80% - 100% 60% - 80% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Life insurance, Values Formation, Marketing Assistance, Business Development

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

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Regular Loan - 11 weeks 40.0% annual, Flat 1 Fee 1 Ins None 50.00 ongoing 103.1% 108.1% - 118.2% 36
Regular Loan - 15 weeks 37.6% annual, Flat 1 Fee 1 Ins None 50.00 ongoing 92.6% 96.4% - 111.7% 37
Regular Loan - 23 weeks 30.0% annual, Flat 1 Fee 1 Ins None 50.00 ongoing 71.8% 77.5% - 96.2% 36

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 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 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 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 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 Ins 12.36% fees N/A 26% - 27.9% 32.4% - 34.9% 72

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Regular Loan - 11 weeks 40.0% annual, Flat 1 Fee 1 Ins Ins None 50.00 ongoing 103.1% 108.1% - 118.2% 36
Regular Loan - 15 weeks 37.6% annual, Flat 1 Fee 1 Ins Ins None 50.00 ongoing 92.6% 96.4% - 111.7% 37
Regular Loan - 23 weeks 30.0% annual, Flat 1 Fee 1 Ins Ins None 50.00 ongoing 71.8% 77.5% - 96.2% 36
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NBFIInstitution TypeBusinessEducationEmergencyMultipleLoan PurposeUjjivanInstitutionIN-078-V02-P01IN-078-V02-P02IN-078-V02-P03IN-078-V02-P04IN-078-V02-P05ProductINCountry2012YearRange Number2Institution Data Version010,00020,00030,00040,00050,000Loan Size (all)0%10%20%30%Full APR (int fee ins tax dep)> 550,000410,000270,000130,00015,000Number of Borrowers
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Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.CoopInstitution TypeBusinessLoan PurposeSalveInstitutionPH-012-V01-P01PH-012-V01-P02PH-012-V01-P03ProductPHCountry2011YearRange Number1Institution Data Version020,00040,00060,00080,000100,000Loan Size (all)0%50%100%Full APR (int fee ins tax dep)> 1,9001,40090040050Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
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Key Statistics
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# 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
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