Outstanding portfolio (PKR) | PKR 275,000 |
Portfolio (USD) | USD 2,806.12 |
Active Clients with Loans | 11 |
Approximate % Female Clients | 0 |
Approximate % Urban Clients | 0 |
Any purpose | x |
Income generation | |
Mortgage/housing | |
Consumer loan | |
Agriculture | |
Education | |
Other household finance | |
Other | |
Other (2) |
Men | x |
Women | x |
Must run a business | |
Must own a home or land | |
Must be a salaried worker | |
Must be specific age group | |
Other | |
Other (2) |
# Regions for this institution | 1 |
# Regions for this product | N/A |
Regions Active |
Institution Type | Private 'For-Profit' |
Is this institution regulated? | N/A |
Website address | N/A |
Year established | 2007 |
Head of Institution | PN Vasudevan |
Regions active | 0 |
# Branches | 200 |
Total Portfolio (nat'l) | INR 7,037,928,578 |
Total Portfolio (USD) | USD 156,398,412.80 |
Active clients with loans | 880,000 |
Approximate % female clients | 80% - 100% |
Approximate % urban clients | 80% - 100% |
Network affiliations |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Additional Micro Credit - Upcountry | INR 3,000 - 3,000 | 12 | 80% - 100% | 80% - 100% | Business | Women, Have business | Credit Educ, Group Mtgs, Credit Ins | |||||||
Additional Micro credit -Metro | INR 3,000 - 3,000 | 12 | 80% - 100% | 80% - 100% | Business | Women, Have business | Credit Educ, Group Mtgs, Credit Ins | |||||||
Additional Micro-Credit | INR 3,000 - 3,000 | 6 - 9 | 80% - 100% | 80% - 100% | Business | Women, Have business | Credit Educ, Group Mtgs, Credit Ins | |||||||
Gurukul Loan | INR 3,035 - 6,000 | 12 | 80% - 100% | 80% - 100% | Education | Women, Have business, if the business is run by the client's husband; and the client has an active role in the day-to-day | Group Mtgs | |||||||
Primary Loans - Metro | INR 10,100 - 15,000 | 23 - 24 | 80% - 100% | 80% - 100% | Business | Women, Have business, either client runs business or husband runs busines | Credit Educ, Group Mtgs, Credit Ins | |||||||
Primary loans - Rural | INR 10,100 - 15,000 | 23 - 24 | 80% - 100% | 0% - 20% | Business | Women, Have business, Either client runs business or husband runs business | Credit Educ, Group Mtgs, Credit Ins | |||||||
Primary Loans - Upcountry | INR 10,100 - 15,000 | 23 - 24 | 80% - 100% | 80% - 100% | Business | Women, Have business, Either client runs business or husband runs business | Credit Educ, Group Mtgs, Credit Ins | |||||||
Primary Loans | INR 10,100 - 12,000 | 24 | 80% - 100% | 80% - 100% | Business | Women, Have business, either client runs business or husband runs business and the client has an active role | Credit Educ, Group Mtgs, Credit Ins | |||||||
Second cycle loan - Metro | INR 10,100 - 17,500 | 18 - 24 | 80% - 100% | 80% - 100% | Business | Women, Have business | Credit Educ, Group Mtgs, Credit Ins | |||||||
Second Cycle Loan - Upcountry | INR 10,100 - 17,500 | 18 - 24 | 80% - 100% | 80% - 100% | Business | Women, Have business | Credit Educ, Group Mtgs, Credit Ins | |||||||
Second Cycle Loan | INR 10,100 - 17,500 | 18 - 24 | 80% - 100% | 80% - 100% | Business | Women, Have business | Credit Educ, Group Mtgs, Credit Ins | |||||||
Shiksha Loan | INR 750 - 5,000 | 12 | 80% - 100% | 80% - 100% | Education | Women, Have business, if the business is run by the client's husband; and the client has an active role in the day-to-day | ||||||||
Third Cycle Loan | INR 10,100 - 15,000 | 24 | 80% - 100% | 0% | Business | Women, Have business | Credit Educ, Group Mtgs | |||||||
Vidya loan - Metro | INR 3,000 - 3,000 | 12 | 80% - 100% | 80% - 100% | Education | Women, Have business | Credit Educ, Group Mtgs, Credit Ins | |||||||
Vidya loan - Upcountry | INR 3,000 - 3,000 | 12 | 80% - 100% | 80% - 100% | Education | Women, Have business | Group Mtgs, Credit Ins | |||||||
Vidya Loan | INR 3,000 - 3,000 | 12 | 80% - 100% | 80% - 100% | Education | Women, Have business | 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 | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Additional Micro Credit - Upcountry | 0% | 25.7% | 26.5% | N/A | ||||||||||
Additional Micro credit -Metro | 0% | 0% | 0% | N/A | ||||||||||
Additional Micro-Credit | 0% | 0% | 0% | N/A | ||||||||||
Gurukul Loan | 0% | 20.1% - 21.2% | 20.1% - 21.2% | N/A | ||||||||||
Primary Loans - Metro | 0% | 0% | 0% | N/A | ||||||||||
Primary loans - Rural | 0% | 28.5% | 29.4% | N/A | ||||||||||
Primary Loans - Upcountry | 0% | 27.5% | 28.4% | N/A | ||||||||||
Primary Loans | 0% | 0% | 0% | N/A | ||||||||||
Second cycle loan - Metro | 0% | 0% | 0% | N/A | ||||||||||
Second Cycle Loan - Upcountry | 0% | 27.5% | 28.4% | N/A | ||||||||||
Second Cycle Loan | 0% | 0% | 0% | N/A | ||||||||||
Shiksha Loan | 0% | 20.9% - 22% | 20.9% - 22% | N/A | ||||||||||
Third Cycle Loan | 0% | 0% | 0% | N/A | ||||||||||
Vidya loan - Metro | 0% | 24.5% | 25.3% | N/A | ||||||||||
Vidya loan - Upcountry | 0% | 25.7% | 26.5% | N/A | ||||||||||
Vidya Loan | 0% | 0% | 0% | N/A |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Additional Micro Credit - Upcountry | 25.5% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 25.7% | 26.5% | 96 | ||||||||
Additional Micro credit -Metro | 24.5% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 0% | 0% | N/A | ||||||||
Additional Micro-Credit | 25.3%-26.3% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 0% | 0% | N/A | ||||||||
Gurukul Loan | 21.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 20.1% - 21.2% | 20.1% - 21.2% | N/A | ||||||||
Primary Loans - Metro | 26.5%-28.3% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 0% | 0% | N/A | ||||||||
Primary loans - Rural | 28.5%-30.2% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 28.5% | 29.4% | 97 | ||||||||
Primary Loans - Upcountry | 27.5%-29.2% annual, Decl Bal | 2 Fees | 0 Ins | None | N/A | 27.5% | 28.4% | 97 | ||||||||
Primary Loans | 26.0% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 0% | 0% | N/A | ||||||||
Second cycle loan - Metro | 26.5% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 0% | 0% | N/A | ||||||||
Second Cycle Loan - Upcountry | 27.5% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 27.5% | 28.4% | 97 | ||||||||
Second Cycle Loan | 26.0% annual, Decl Bal | 2 Fees | 0 Ins | None | N/A | 0% | 0% | N/A | ||||||||
Shiksha Loan | 21.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 20.9% - 22% | 20.9% - 22% | N/A | ||||||||
Third Cycle Loan | 25.4% annual, Decl Bal | 1 Fee | 1 Ins | None | N/A | 0% | 0% | N/A | ||||||||
Vidya loan - Metro | 24.5% annual, Decl Bal | 2 Fees | 0 Ins | None | N/A | 24.5% | 25.3% | N/A | ||||||||
Vidya loan - Upcountry | 25.5% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 25.7% | 26.5% | 96 | ||||||||
Vidya Loan | 24.5%-26.5% annual, Decl Bal | 2 Fees | 0 Ins | None | N/A | 0% | 0% | N/A |
Key Statistics | |
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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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