2. Utkarsh
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
  2. PBC
Please note that the information you are viewing is 158 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Utkarsh Micro Finance Pvt. Ltd. S-2/639-56, Varuna Vihar ColonyNear J Mehta Inter Collect Cantt.Varanasi, Uttar Pradesh221002
Data approved: 2013-02-20
Data version: 2
Age of data: 139 months
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Institution

Peoples Bank of Caraga, Inc. Brgy. 5San Francisco, Agusan del Sur/Region XIII8501
Data approved: 2011-11-15
Data version: 1
Age of data: 158 months

Product

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Product

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Product Summary

Number borrowers151
Loan Amount (range)INR 25,000 - 300,000
Loan Term (range)6 - 36
Other Services (text summary)Business Training
Annual Interest & Method29.0% annual, Decl Bal
Fees0.88% upfront
Insurance1.00% upfront
Tax12.36% fees
Comp DepN/A
Range of pricing 
Interest Price Component25.6% - 28.8%
Fee Component0.9% - 1.7%
Insurance Component1.1% - 2.0%
Tax Component Range0.1% - 0.3%
Full APR (int fee ins tax dep)32.6%
Transparency Index (min/max)88 - 93
Transparency Index (average)89

Product Summary

3,285
PHP 3,000 - 150,000
6 - 12
Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
24.0% annual, Flat
2.00%-4.00% upfront 1.50%-3.00% upfront
18.55-2,053.44 upfront
0.50% loan amt
N/A
 
N/A
59.2% - 61.1% (Int+Fee)
0.2% - 3.4%
0.6% - 1.2%
62.9% - 65.7%
31 - 73
37

Product Details

Key Statistics
Outstanding portfolio (INR)INR 6,030,318
Portfolio (USD)USD 113,779.58
Active Clients with Loans151
Approximate % Female Clients0% - 20%
Approximate % Urban Clients100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Microenterprises Loan is provided to men and women with viable business operation. The loan size ranges between INR 25,000 to 3,00,000.
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 trainingx
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or landx
Must be a salaried worker
Must be specific age group
Household income <60,000 INR
Household income <120,000 INR
Must live in rural area
Must lives in urban area
OtherMust have atleast 3 years of experience in existing business.
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution2
# Regions for this product1
Regions ActiveUttar Pradesh

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 28,116,388
Portfolio (USD)USD 672,640.86
Active Clients with Loans3,285
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Business enhancement to member's Income Generating Project. Ex: Ice Cream, freezer is needed.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visitsx
Business trainingx
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
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 institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyINR
Minimum loan sizeINR 25,000
Maximum loan size300,000
Distribution at Disbursement (Est.)
Loans less than INR 5,0000
INR 5,000-15,0000
INR 15,000-25,0000
INR 25,000-35,00010%
INR 35,000-45,00020%
Greater than INR 45,00020%
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term36.0 months
Approx average6.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months30%
Between 7 and 9 months0
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

Loan Conditions

Loan Amount
CurrencyPHP
Minimum loan sizePHP 3,000
Maximum loan size150,000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term12.0 months
Approx average0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest29.00%
Highest quoted nominal interest29.00%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProcessing Fee
% of loan amount - min0.88%
% of loan amount - max0.88%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsurance Fee
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
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?Yes
Percentage of fees12.4%
All or some fees taxedSome

Pricing Information

Interest
Lowest quoted nominal interest24.00%
Highest quoted nominal interest24.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionService FeeFiling Fee
% of loan amount - min2.00%1.50%
% of loan amount - max4.00%3.00%
OR, Fixed amount - min00
Fixed amount - max00
Reason for variationN/A
Appears on Repayment Sched?NoNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionLoan Insurance
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min18.55
Fixed amount - max2,053.44
Reason for variationN/A
Appears on Repayment Sched?No
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?Yes
Percentage of fees0
All or some fees taxedN/A
Additional Comments
Taxes: .5% of Fees

Full Pricing Data

Utkarsh Samridhi samples
Sample 1Sample 2Sample 3
Loan AmountINR 30,000INR 50,000INR 60,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-01-192013-01-192013-01-19
Loan Term (Months)12.0 months12.0 months12.0 months
Grace Period (Months)0.2 months0.2 months0.2 months
Total Cost of CreditINR 5,662.08INR 9,436.80INR 11,323.16
True Price by Comp     
Interest price component28.8%28.8%28.8%
Fee Component1.6%1.6%1.6%
Insurance Component2.0%2.0%2.0%
Tax Component0.2%0.2%0.2%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)32.6%32.6%32.6%
MFIN MFI Earning (Annualised)30.4%30.4%30.4%
MFIN Cost to Borrower (Annualised)32.6%32.6%32.6%
Transparency Index898989
MFIN Transparency Index100100100
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
* The APR stated here is an MFTransparency term, definition and formula

Full Pricing Data

Allied Undertakings Loan samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountPHP 3,000PHP 8,000PHP 15,000PHP 30,000PHP 60,000PHP 90,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2011-06-152011-05-302011-06-032011-06-102011-05-112011-05-11
Loan Term (Months)6.1 months11.9 months11.9 months11.9 months11.9 months11.9 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp           
Interest and Fee Component59.2%61.1%61.0%60.9%60.9%61.0%
Insurance Component2.6%3.4%3.3%3.3%3.3%3.3%
Tax Component1.1%1.2%1.2%1.2%1.2%1.2%
Deposit Component0.0%0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)62.9%65.7%65.6%65.5%65.5%65.6%
Transparency Index383737373737
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
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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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