2. ASA
Please note that the information you are viewing is 118 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Utkarsh
Please note that the information you are viewing is 144 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

ASA Pakistan Ltd. T-61, Block-6, PECHS,Karachi, Sindh Pakistan
Data approved: 2015-04-13
Data version: 2
Age of data: 118 months
Choose version

Institution

Utkarsh Microfinance Pvt Ltd S-2/639-56, VARUNA VIHAR COLONY,NEAR J P MEHTA INTER COLLEGE, CANTT.,VARANASI, UTTAR PRADESH221002
Data approved: 2012-01-12
Data version: 1
Age of data: -   months 
Choose version

Product

Small Business Loan Product 2 of 3 « Prev | Next »

Product

Utkarsh Unnati Product 2 of 2 « Prev | Next »

Product Summary

Number borrowers2,273
Loan Amount (range)PKR 50,000 - 99,000
Loan Term (range)11
Other Services (text summary)Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits
Annual Interest & Method43.7% annual, Decl Bal
FeesNone
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component43.0%
Fee Component0
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)43.0%
Transparency Index (min/max)100
Transparency Index (average)100

Product Summary

9,848
INR 6,000 - 18,000
30
Credit Educ, Group Mtgs, Tech Asst Visits, Other Training
28.2% annual, Decl Bal
1.00% upfront
None
None
N/A
 
0
N/A

Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 68,658,128
Portfolio (USD)USD 674,222.82
Active Clients with Loans2,273
Approximate % Female Clients0% - 20%
Approximate % Urban Clients40% - 60%
Methodology
Individual
Solidarity group
Village banking
Self help group
Other
Description
Small Business Loan for male and female clients to enhance their business. First Time Loan from 50 K to 80 K. For succeeding loan increment of Rs. 15 K each time.
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 training
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 institution2
# Regions for this product2
Regions ActivePunjab, Sindh

Product Details

Key Statistics
Outstanding portfolio (INR)INR 62,954,711
Portfolio (USD)USD 1,398,994
Active Clients with Loans9,848
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Income Generation loan to women borrowers under the joint liability structure between INR600o-18000
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
OtherIncome Generation
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurance
Workplace visitsx
Business training
Other trainingx
Other
Other (2)
No other services
Eligibility
Men
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age groupx
Household income <60,000 INR
Household income <120,000 INR
Must live in rural area
Must lives in urban area
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
CurrencyPKR
Minimum loan sizePKR 50,000
Maximum loan size99,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0000
PKR 10,000-25,0000
PKR 25,000-50,00070%
PKR 50,000-75,00020%
PKR 75,000-150,00010%
Greater than PKR 150,00010%
Loan Term and Grace Period
Shortest loan term11.0 months
Longest loan term11.0 months
Approx average11.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months100%
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 weeksx
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyINR
Minimum loan sizeINR 6,000
Maximum loan size18,000
Loan Term and Grace Period
Shortest loan term30.0 months
Longest loan term30.0 months
Approx average30.0 months
Distribution at Disbursement (Est.)
Loans 3 months or lessN/A
Between 4 and 6 monthsN/A
Between 7 and 9 monthsN/A
Between 10 and 12 monthsN/A
Between 13 and 18 monthsN/A
Longer than 18 monthsN/A
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeksx
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 interest43.74%
Highest quoted nominal interest43.74%
Interest rate periodYearly
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 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?No

Pricing Information

Interest
Lowest quoted nominal interest28.18%
Highest quoted nominal interest28.18%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?N/A
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
Description1% of Processing fees
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
Description1% of the loan amount
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
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?No

Full Pricing Data

Small Business Loan samples
Type of Sample
Grace Period (Months)
Full APR (int fee ins tax dep)
True Price by Component
Interest price component
Fee Component
Insurance Component
Tax Component
Deposit Component
PKR 25,000 Generated 2015-05-01 10.1 months N/A PKR 5,309.33 43.0% 43.0% 0.0% 0.0% 0.0% 0.0% 100 - PDF
PKR 30,000 Generated 2015-05-01 10.1 months N/A PKR 6,371.20 43.0% 43.0% 0.0% 0.0% 0.0% 0.0% 100 - PDF
PKR 35,000 Generated 2015-05-01 10.1 months N/A PKR 7,433.07 43.0% 43.0% 0.0% 0.0% 0.0% 0.0% 100 - PDF
PKR 40,000 Generated 2015-05-01 10.1 months N/A PKR 8,494.93 43.0% 43.0% 0.0% 0.0% 0.0% 0.0% 100 - PDF
PKR 45,000 Generated 2015-05-01 10.1 months N/A PKR 9,556.80 43.0% 43.0% 0.0% 0.0% 0.0% 0.0% 100 - PDF
PKR 60,000 Generated 2015-05-01 10.1 months N/A PKR 12,742.40 43.0% 43.0% 0.0% 0.0% 0.0% 0.0% 100 - PDF
PKR 70,000 Generated 2015-05-01 10.1 months N/A PKR 14,866.13 43.0% 43.0% 0.0% 0.0% 0.0% 0.0% 100 - PDF
PKR 90,000 Generated 2015-05-01 10.1 months N/A PKR 19,113.60 43.0% 43.0% 0.0% 0.0% 0.0% 0.0% 100 - PDF

Full Pricing Data

Utkarsh Unnati samples
No sample data for this product
Small Business Loan Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.OtherInstitution TypeBusinessLoan PurposeASAInstitutionPK-003-V02-P02ProductPKCountry2015YearRange Number2Institution Data Version020,00040,00060,00080,000Loan Size (all)0%10%20%30%40%Full APR (int fee ins tax dep)> 1,5001,10070030040Number of Borrowers
Click to view Price Analysis Tool
Utkarsh Unnati Price Graphs
No sample data for this product
Caps / Zoom options
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
Loading...
X Axis
Greater than:
Less or equal to:
N (# of Samples)
Total Borrrowers of Samples
Avg
Min
Max
Std Dev
By Inst Type
By Country

Total Borrowers of Samples

X Axis
Greater than:
Less or equal to:
From 0 to
to
to
to ∞