2. KBL
Please note that the information you are viewing is 113 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Mpower
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

Institution

Khushhali Bank Limited 4th Floor, 94 west, Jinnah AvenueIslamabad, Federal44000
Data approved: 2015-04-20
Data version: 2
Age of data: 113 months
Choose version

Institution

M Power Micro Finance Pvt Ltd 3 , Sai Santosh ComplexNear Harinagar Water Tank , Gotri RoadVadodara, Gujarat390021
Data approved: 2013-05-11
Data version: 1
Age of data: 139 months

Product

Khushhali Cash Sahulat Land-Bullet Product 5 of 16 « Prev | Next »

Product

Samruddhi Business Loan Product 1 of 2 « Prev | Next »

Product Summary

Number borrowers2,583
Loan Amount (range)PKR 25,000 - 150,000
Loan Term (range)3 - 12
Other Services (text summary)Credit Ins
Annual Interest & Method25.0% annual, Decl Bal
Fees1,000.00-2,000.00 upfront
InsuranceNone
Tax16.00% fees
Comp DepN/A
Range of pricing 
Interest Price Component22.4% - 30.6%
Fee Component1.0% - 13.7%
Insurance Component0
Tax Component Range0.1% - 2.3%
Full APR (int fee ins tax dep)23.5% - 29.4%
Transparency Index (min/max)67 - 100
Transparency Index (average)97

Product Summary

4,760
INR 12,000 - 15,000
12
Group Mtgs, Credit Ins
27.0% annual, Decl Bal
1.00% upfront
148.00-186.00 upfront
12.36% fees
N/A
 
27.0% - 27.1%
2.2%
2.7% - 2.8%
0.3%
32.2%
83 - 84
84

Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 282,532,113
Portfolio (USD)USD 2,774,465.35
Active Clients with Loans2,583
Approximate % Female Clients0% - 20%
Approximate % Urban Clients0
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Khushhali Cash Sahulat Land - Bullet
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculturex
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
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 institution6
# Regions for this product6
Regions ActiveAzad Kashmir, Balochistan, Islambad Capital Territory, Khyber Pakhtunkwa, Punjab, Sindh

Product Details

Key Statistics
Outstanding portfolio (INR)INR 36,721,361
Portfolio (USD)USD 692,855.87
Active Clients with Loans4,760
Approximate % Female Clients100%
Approximate % Urban Clients40% - 60%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Loan for Small Business
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Men
Womenx
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age group
Household income <60,000 INRx
Household income <120,000 INRx
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 institution1
# Regions for this product1
Regions ActiveGujarat

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 25,000
Maximum loan size150,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0000
PKR 10,000-25,0000
PKR 25,000-50,00030%
PKR 50,000-75,00040%
PKR 75,000-150,00030%
Greater than PKR 150,00030%
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term12.0 months
Approx average10.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months10%
Between 10 and 12 months90%
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
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end paymentx
Irregular payments

Loan Conditions

Loan Amount
CurrencyINR
Minimum loan sizeINR 12,000
Maximum loan size15,000
Distribution at Disbursement (Est.)
Loans less than INR 5,0000
INR 5,000-15,000100%
INR 15,000-25,0000
INR 25,000-35,0000
INR 35,000-45,0000
Greater than INR 45,0000
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term12.0 months
Approx average12.0 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 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 interest25.00%
Highest quoted nominal interest25.00%
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
% of loan amount - max0
OR, Fixed amount - min1,000
Fixed amount - max2,000
Reason for variationLoan <PKR 50,000= 1000, > 50,000 and <100,000 = 1500, >100,000 = 2000
Appears on Repayment Sched?Yes
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?Yes
Percentage of fees16%
All or some fees taxedSome

Pricing Information

Interest
Lowest quoted nominal interest27.00%
Highest quoted nominal interest27.00%
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 - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsurance
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min148
Fixed amount - max186
Reason for variationdepends on loan amount
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 taxedAll

Full Pricing Data

Khushhali Cash Sahulat Land-Bullet samples
Loan Amount
Type of Sample
Disbursement Date
Loan Term (Months)
Grace Period (Months)
Total Cost of Credit
Full APR (int fee ins tax dep)
True Price by Component
Transparency Index
Original Repayment Schedule
MFT Pricing Calculation
Interest price component
Fee Component
Insurance Component
Tax Component
Deposit Component
PKR 25,000 Generated 2015-06-01 8.9 months N/A PKR 5,783.29 29.4% 22.9% 5.6% 0.0% 0.9% 0.0% 85 - PDF
PKR 30,000 Generated 2015-06-01 11.8 months N/A PKR 8,557.26 26.4% 22.4% 3.4% 0.0% 0.6% 0.0% 95 - PDF
PKR 50,000 Generated 2015-06-01 11.8 months N/A PKR 13,488.77 24.7% 22.4% 2.0% 0.0% 0.3% 0.0% 100 - PDF
PKR 55,000 Generated 2015-06-01 11.8 months N/A PKR 14,721.64 24.5% 22.4% 1.8% 0.0% 0.3% 0.0% 100 - PDF
PKR 60,000 Generated 2015-06-01 11.8 months N/A PKR 15,954.52 24.3% 22.4% 1.7% 0.0% 0.2% 0.0% 100 - PDF
PKR 65,000 Generated 2015-06-01 11.8 months N/A PKR 17,187.40 24.2% 22.4% 1.5% 0.0% 0.3% 0.0% 100 - PDF
PKR 80,000 Generated 2015-06-01 11.8 months N/A PKR 20,886.03 23.8% 22.4% 1.2% 0.0% 0.2% 0.0% 100 - PDF
PKR 100,000 Generated 2015-06-01 11.8 months N/A PKR 25,817.53 23.5% 22.4% 1.0% 0.0% 0.1% 0.0% 100 - PDF

Full Pricing Data

Samruddhi Business Loan samples
Sample 1Sample 2Sample 3
Loan AmountINR 12,000INR 15,000INR 15,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2012-12-282012-12-282013-02-26
Loan Term (Months)11.0 months11.0 months11.0 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditINR 1,913INR 2,385INR 2,385
True Price by Comp     
Interest price component27.0%27.0%27.0%
Fee Component2.2%2.2%2.2%
Insurance Component2.7%2.7%2.7%
Tax Component0.3%0.3%0.3%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)32.2%32.2%32.2%
MFIN MFI Earning (Annualised)29.2%29.2%29.2%
MFIN Cost to Borrower (Annualised)32.2%32.2%32.2%
Transparency Index848484
MFIN Transparency Index100100100
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
* The APR stated here is an MFTransparency term, definition and formula
Khushhali Cash Sahulat Land-Bullet Price Graphs


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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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