| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| KBL | 468,300 | 120,082,000 | 16 | 110 |
| KF | 233,600 | 41,416,000 | 4 | 109 |
| NRSP | 399,900 | 70,157,000 | 3 | 110 |
| ASA | 230,400 | 29,637,000 | 3 | 110 |
| TMFB | 221,200 | 85,449,000 | 7 | 110 |
| FMFB | 163,544 | 38,481,323 | 9 | 128 |
| TRDP | 100,000 | 13,817,000 | 3 | 110 |
| PRSP | 75,656 | 9,907,176 | 3 | 128 |
| BRAC^P | 57,300 | 11,869,000 | 3 | 110 |
| SRSO | 51,100 | 7,775,000 | 3 | 110 |
| SSF | 46,000 | 4,776,000 | 3 | 110 |
| FINCA | 82,000 | 43,559,000 | 9 | 110 |
| JWS | 36,000 | 6,545,000 | 2 | 110 |
| RCDS | 35,552 | 4,856,122 | 4 | 128 |
| DAMEN | 35,185 | 7,150,864 | 1 | 128 |
| FFO | 22,400 | 3,335,000 | 3 | 110 |
| OLP | 21,400 | 3,510,000 | 3 | 110 |
| CSC | 17,600 | 3,147,000 | 1 | 110 |
| AMRDO | 13,800 | 1,206,000 | 5 | 110 |
| WMBL | 13,800 | 6,105,000 | 3 | 110 |
| Mojaz | 13,400 | 2,415,000 | 2 | 110 |
| SDF | 11,500 | 1,041,000 | 4 | 110 |
| POMFB | 8,500 | 2,795,000 | 4 | 110 |
| OPD | 7,500 | 918,000 | 2 | 110 |
| AGAHE | 7,300 | 797,000 | 2 | 110 |
| NRDP | 6,184 | 1,521,972 | 3 | 128 |
| GBTI | 6,100 | 669,000 | 3 | 128 |
| WASIL | 4,300 | 1,135,000 | 2 | 110 |
| Micro Options | 4,000 | 768,000 | 5 | 110 |
| VDO | 3,900 | 489,000 | 3 | 128 |
| SVDP | 3,900 | 811,000 | 13 | 128 |
| SRDO | 3,500 | 766,000 | 4 | 110 |
| OSDI | 2,000 | 923,000 | 3 | 110 |
| APMBL | 1,800 | 1,401,000 | 3 | 110 |
| BEDF | 1,400 | 209,000 | 3 | 128 |
| KCDO | 800 | 94,000 | 1 | 128 |
| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.utkarshmfi.com/ |
| Year established | 1990 |
| Head of Institution | Govind Singh |
| Regions active | Bihar, Madhya Pradesh |
| # Branches | 92 |
| Total Portfolio (nat'l) | INR 1,374,101,555 |
| Total Portfolio (USD) | USD 25,926,444.43 |
| Active clients with loans | 168,691 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Utkarsh Pragati | INR 6,000 - 15,000 | 12 - 14 | 100% | 0% - 20% | Business | Women, Have business, Specific age group, Low HH Inc, Med HH Inc, Rural HH, Urban HH, Client age must be between 21 to 55. | Credit Educ, Group Mtgs, Tech Asst Visits | |||||||
| Utkarsh Kiran | INR 18,000 - 25,000 | 24 | 100% | 0% - 20% | Business | Women, Have business, Specific age group, Low HH Inc, Med HH Inc, Rural HH, Urban HH, Client age must be between 21 to 55. | Credit Educ, Group Mtgs, Tech Asst Visits | |||||||
| Utkarsh Samridhi | INR 25,000 - 300,000 | 6 - 36 | 0% - 20% | 100% | Business | Women, Men, Have business, Have home or land, Must have atleast 3 years of experience in existing business. | Business Training |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Utkarsh Pragati | 25.6% - 25.9% | 27.3% - 27.5% | 29.4% - 29.6% | Yes | Yes | Yes | 100 | |||||||
| Utkarsh Kiran | 25.8% - 26.1% | 26.8% - 27.1% | 28% - 28.3% | Yes | Yes | Yes | 100 | |||||||
| Utkarsh Samridhi | 28.8% | 30.4% | 32.6% | NA | NA | NA | 100 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Utkarsh Pragati | 25.9% annual, Decl Bal | 1 Fee | 1 Ins | 12.36% fees | N/A | 27.3% - 27.5% | 29.4% - 29.6% | 88 | ||||||||
| Utkarsh Kiran | 25.9% annual, Decl Bal | 1 Fee | 1 Ins | 12.36% fees | N/A | 26.8% - 27.1% | 28% - 28.3% | 92 | ||||||||
| Utkarsh Samridhi | 29.0% annual, Decl Bal | 1 Fee | 1 Ins | 12.36% fees | N/A | 30.4% | 32.6% | 89 |
| 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 |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
|---|---|---|---|---|---|---|---|
| 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 | ||||||
| X Axis | ||||||
|---|---|---|---|---|---|---|
| Greater than: | ||||||
| Less or equal to: | ||||||
| From 0 to | ||||||
| to | ||||||
| to | ||||||
| to ∞ | ||||||
