2. CCT
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  2. Utkarsh
Please note that the information you are viewing is 140 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

CCT Credit Cooperative 5/F Joshua Center1428 Taft Avenue, ErmitaManila, NCR1000
Data approved: 2011-11-15
Data version: 1
Age of data: 160 months

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: 140 months
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Institution Details

Institution TypeCredit Union / Cooperative
Is this institution regulated?Yes
Website addresshttp://www.cct.org.ph/
Year established2003
Head of InstitutionRuth S. Callanta
Regions active
# Branches132

Total Portfolio (nat'l)PhP 387,176,016
Total Portfolio (USD)USD 9,262,584.12
Active clients with loans76,168
Approximate % female clients80% - 100%
Approximate % urban clients40% - 60%
Network affiliationsNATTCO, MCPI, Hope International, Peer Servants
FundersFive Talents USA, United Kingdom, Tear Fund, New Zealand, Cross International, USA, End Poverty

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.utkarshmfi.com/
Year established1990
Head of InstitutionGovind Singh
Regions activeBihar, Madhya Pradesh
# Branches92

Total Portfolio (nat'l)INR 1,374,101,555
Total Portfolio (USD)USD 25,926,444.43
Active clients with loans168,691
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliations

Loan Products » Summary

Enterprise
100 Borrowers
USD 167,552.11 Portfolio
Active Product
Housing
120 Borrowers
USD 107,655.50 Portfolio
Active Product
Regular 4
30,060 Borrowers
USD 3,932,881.20 Portfolio
Active Product
Regular 6
40,100 Borrowers
USD 5,296,039.69 Portfolio
Active Product

Loan Products » Summary

Pragati
154,956 Borrowers
USD 21,403,926.92 Portfolio
Active Product
Kiran
13,584 Borrowers
USD 4,397,416.42 Portfolio
Active Product
Samridhi
151 Borrowers
USD 113,779.58 Portfolio
Active Product
Utkarsh Unnati
Retired Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Growth Enterprise Loan PHP 51,000 - 700,000 6 - 12 60% - 80% 40% - 60% Business Women, Men, Have business, Have home or land, Must be community resident for at least 5 years Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training, Values Development, Personal Counselling and Life Skills Training
Housing Loan PHP 10,000 - 30,000 12 20% - 40% 40% - 60% Housing Women, Men, Have business, Have home or land, Must meet requirements of CCT regular business loan Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training, values development, personal counselling, life skills training, health care
Regular Business Loan 4 months PHP 4,000 - 50,000 3.5 80% - 100% 60% - 80% Business Women, Men, Have business, Have home or land, Must be community resident for at least 5 years Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Values Development, Personal Counselling and Life Skills Training, Health Care
Regular Business Loan 6 months PHP 11,000 - 50,000 6 80% - 100% 60% - 80% Business Women, Men, Have business, Have home or land, Must be community resident for at least 5 years Credit Educ, Group Mtgs, Tech Asst Visits, Values Development, Personal Counselling and Life Skills Training, Business mentoring

Loan Products » Conditions

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

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Growth Enterprise Loan 10.0%-24.0% annual, Flat 1 Fee 0 Ins None 30.0% upfront 100.00 ongoing 56.1% - 60.2% 109.8% - 121.5% 8
Housing Loan 18.0% annual, Flat 1 Fee 0 Ins None 30.0% upfront 50.00 ongoing 36.9% - 37% 55.6% - 56.3% 32
Regular Business Loan 4 months 37.6% annual, Flat 1 Fee 0 Ins None 20.0% upfront 50.00 ongoing 92.2% 139.9% 27
Regular Business Loan 6 months 40.0% annual, Flat 1 Fee 0 Ins None 20.0% upfront 100.00 ongoing 87.6% 131.3% - 131.4% 30

Loan Products » MFIN India Additional Information

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
*Please click here for more information

Loan Products » Pricing Information

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

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Growth Enterprise Loan 10.0%-24.0% annual, Flat 1 Fee 0 Ins Ins None 30.0% upfront 100.00 ongoing 56.1% - 60.2% 109.8% - 121.5% 8
Housing Loan 18.0% annual, Flat 1 Fee 0 Ins Ins None 30.0% upfront 50.00 ongoing 36.9% - 37% 55.6% - 56.3% 32
Regular Business Loan 4 months 37.6% annual, Flat 1 Fee 0 Ins Ins None 20.0% upfront 50.00 ongoing 92.2% 139.9% 27
Regular Business Loan 6 months 40.0% annual, Flat 1 Fee 0 Ins Ins None 20.0% upfront 100.00 ongoing 87.6% 131.3% - 131.4% 30

Loan Products » MFIN India Additional Information

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
*Please click here for more information

Loan Products » Pricing Information

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 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 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 Ins 12.36% fees N/A 30.4% 32.6% 89
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Loan Portfolio (USD)
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% Products with one or more insurances
% Products with compulsory deposits
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