- MFTransparency.org Truth In Lending Tables

Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
1st Valley Bank	38,900	48,291,000	3	158
AJDFI	13,100	884,000	6	158
ARDCI	44,600	9,403,000	1	158
ASA Philippines	333,400	29,282,000	1	158
ASHI	35,400	5,231,000	6	158
ASKI	60,000	15,247,000	4	158
Bangko Kabayan	8,900	2,373,000	2	158
BSEI	600	73,000	2	158
CBI	8,100	2,010,000	5	158
CCT	70,300	9,504,000	4	158
CEV	35,400	5,111,000	4	158
DSPI	59,300	3,676,000	3	158
ECLOF	5,400	1,836,000	4	158
FCB	12,000	2,392,000	2	158
FMB	2,700	710,000	2	158
GM Bank	23,500	1,553,000	3	158
HSPFI	19,100	1,899,000	2	158
JVOFI	1,300	281,000	1	158
Katipunan Bank	42,100	5,325,000	2	158
KDCI	20,500	2,095,000	3	158
KGI	32,300	3,421,000	4	158
KMBI	245,000	15,098,000	1	158
LTMPC	37,400	8,935,000	3	158
Mallig Plains	6,500	641,000	2	158
MILAMDEC	29,800	3,278,000	2	158
MWIMPC	11,800	1,740,000	4	157
NWTF	105,500	12,698,000	5	158
OFMPC	4,400	964,000	1	158
PBC	50,700	10,434,000	4	158
PCSD	700	167,000	1	158
PMPC	23,500	5,565,000	8	158
RB Angeles	900	1,502,000	2	158
RB Labason	500	289,000	1	158
RBLI	5,200	1,026,000	2	158
RBMI	11,900	1,750,000	2	158
RMB	100	173,000	1	158
RSPI	39,600	2,834,000	4	158
SAFRAGEMC	1,100	229,000	1	158
Salve	10,900	1,191,000	3	158
SEDP	27,000	3,914,000	3	158
TSKI	212,900	25,187,000	2	158
TSPI	264,500	31,290,000	7	158
Valient	1,700	672,000	2	158

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

Disha Microfin Pvt Ltd 404, 4th Floor, 3rd EyePanchwati Cross Road, C. G. RoadAhmedabad, GujuratPO Box 380006

Data approved: 2013-05-28

Data version: 2

Age of data: 139 months

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Product

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Product Details

Key Statistics

Outstanding portfolio (INR)	INR 383,625,000
Portfolio (USD)	USD 7,238,207.55
Active Clients with Loans	42,080
Approximate % Female Clients	100%
Approximate % Urban Clients	0% - 20%

Methodology

Individual
Solidarity group	x
Village banking
Self help group
Other

Description

Loans between Rs. 12000 to Rs. 15000 given for income generation activities, to fresh customers

Loan Purpose

Any purpose
Income generation	x
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)

Included Services

Credit education	x
Group meetings	x
Credit insurance	x
Workplace visits
Business training
Other training
Other
Other (2)
No other services

Eligibility

Men
Women	x
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age group	x
Household income <60,000 INR	x
Household income <120,000 INR	x
Must live in rural area	x
Must lives in urban area	x
Other	Must be economically active
Other (2)

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

# Regions for this institution	1
# Regions for this product	1
Regions Active	Gujarat

Loan Conditions

Loan Amount

Currency	INR
Minimum loan size	INR 12,000
Maximum loan size	15,000

Distribution at Disbursement (Est.)

Loans less than INR 5,000	0
INR 5,000-15,000	100%
INR 15,000-25,000	0
INR 25,000-35,000	0
INR 35,000-45,000	0
Greater than INR 45,000	0

Loan Term and Grace Period

Shortest loan term	15.0 months
Longest loan term	18.0 months
Approx average	DK

Distribution at Disbursement (Est.)

Loans 3 months or less	0
Between 4 and 6 months	0
Between 7 and 9 months	0
Between 10 and 12 months	0
Between 13 and 18 months	100%
Longer than 18 months	0

Grace Period

Grace period usage	100%
Average grace period	1.0 month

Repayment Frequency

Daily
Weekly
Every 2 weeks	x
Every 4 weeks
Monthly	x
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest

Lowest quoted nominal interest	26.00%
Highest quoted nominal interest	28.50%
Reason(s) why interest rate varies	To comply with extant RBI guidelines on pricing
Interest rate period	Yearly
Interest Rate Calculation Method	Decl Bal
Subsidized by funder request?	No
Is rate fixed for entire loan term	Yes

Upfront Fees

	Fee 1
Description	Processing Fee
% of loan amount - min	1.00%
% of loan amount - max	1.00%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation	Service tax extra
Appears on Repayment Sched?	Yes

Ongoing Fees

This product has no ongoing fees

Upfront Insurance Fees

	Ins 1
Description	Life Insurance (Credit Shield) Premium
% of loan amount - min	0
% of loan amount - max	0
OR, Fixed amount - min	198
Fixed amount - max	234
Reason for variation	The premium is based on period of insurance coverage which can be either 18 or 19 months, depending upon the loan tenor
Appears on Repayment Sched?	Yes

Ongoing Insurance Fees

This product has no ongoing insurance fees

Compulsory Deposit

Required for	Never
Criteria	N/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 deposited	N/A
or, Fixed-amount deposited	N/A

Deposits DURING period payments

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A
Conditions on access to deposit	N/A

Interest Paid on Deposit

Minimum interest rate paid	N/A
Maximum interest rate paid	N/A
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?	Yes
Percentage of fees	12.4%
All or some fees taxed	Some

Full Pricing Data

Gati F samples

	Sample 1	Sample 2	Sample 3
Loan Amount	INR 15,000	INR 12,000	INR 15,000
Loan Cycle (1, 2, 3, etc)	Not Known	Not Known	Not Known
Disbursement Date	2013-03-01	2012-10-02	2012-11-08
Loan Term (Months)	19.0 months	16.0 months	15.0 months
Grace Period (Months)	0.3 months	0.2 months	0.2 months
Total Cost of Credit	INR 3,985.54	INR 2,427.83	INR 3,088.54
True Price by Comp
Interest price component	27.1%	24.9%	25.5%
Fee Component	1.3%	1.6%	1.6%
Insurance Component	2.1%	2.7%	2.1%
Tax Component	0.2%	0.2%	0.2%
Deposit Component	0.0%	0.0%	0.0%
Full APR (int fee ins tax dep)	30.7%	29.4%	29.4%
MFIN MFI Earning (Annualised)	28.4%	26.5%	27.1%
MFIN Cost to Borrower (Annualised)	30.7%	29.4%	29.4%
Transparency Index	85	88	88
MFIN Transparency Index	96	100	100

Original Repayment Schedule	PDF	PDF	PDF
MFT Pricing Calculation	PDF	PDF	PDF

* The APR stated here is an MFTransparency term, definition and formula

Gati F 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

	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
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	to ∞

Institution

Product

Product Details

Key Statistics

Methodology

Description

Loan Purpose

Included Services

Eligibility

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

Loan Conditions

Loan Amount

Distribution at Disbursement (Est.)

Loan Term and Grace Period

Distribution at Disbursement (Est.)

Grace Period

Repayment Frequency

Pricing Information

Interest

Upfront Fees

Ongoing Fees

Upfront Insurance Fees

Ongoing Insurance Fees

Compulsory Deposit

Deposit BEFORE or AT Disbursement

Deposits DURING period payments

Interest Paid on Deposit

Taxes

Full Pricing Data

Gati F samples

Gati F Price Graphs

Total Borrowers of Samples

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