2. MBT
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  2. Equitas
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

Micro Bankers Trust Head OfficeLusaka
Data approved: 2011-12-12
Data version: 1
Age of data: 163 months

Institution

Equitas 4th Floor, Temple Tower, 672 Anna Salai, NandanamChennai, Tamil Nadu600035
Data approved: 2011-01-05
Data version: 1
Age of data: -   months 
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Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addressN/A
Year established1996
Head of Institution
Regions active
# Branches11

Total Portfolio (nat'l)ZMK 8,200,000,000
Total Portfolio (USD)USD 1,584,541.06
Active clients with loans14,300
Approximate % female clients80% - 100%
Approximate % urban clients20% - 40%
Network affiliationsAMIZ, AFRACA, INAFI
FundersUNDP, IFAD (International Fund for Agricultural Development)

Institution Details

Institution TypePrivate 'For-Profit'
Is this institution regulated?N/A
Website addressN/A
Year established2007
Head of InstitutionPN Vasudevan
Regions active0
# Branches200

Total Portfolio (nat'l)INR 7,037,928,578
Total Portfolio (USD)USD 156,398,412.80
Active clients with loans880,000
Approximate % female clients80% - 100%
Approximate % urban clients80% - 100%
Network affiliations

Loan Products » Summary

Equipment
110 Borrowers
USD 215,406.28 Portfolio
Active Product
SME Loan
63 Borrowers
USD 56,369.15 Portfolio
Active Product
Twende
13,736 Borrowers
USD 1,231,216.17 Portfolio
Active Product
Livestock
33 Borrowers
USD 32,993.89 Portfolio
Low Volume Product
Dairy Loan
45 Borrowers
USD 27,632.85 Portfolio
Low Volume Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Summary

Additional Micro Credit - Upcountry
50,591 Borrowers
USD 2,282,825 Portfolio
Active Product
Additional Micro credit -Metro
37,675 Borrowers
USD 1,380,675 Portfolio
Active Product
Additional Micro-Credit
94,472 Borrowers
USD 2,842,053 Portfolio
Active Product
Gurukul Loan
81 Borrowers
USD 6,139 Portfolio
Active Product
Primary Loans - Metro
33,216 Borrowers
USD 40,847,585 Portfolio
Active Product
Primary loans - Rural
22,518 Borrowers
USD 4,897,557 Portfolio
Active Product
Primary Loans - Upcountry
645,050 Borrowers
USD 98,593,250 Portfolio
Active Product
Primary Loans
1,321,784 Borrowers
USD 186,370,484 Portfolio
Active Product
Second cycle loan - Metro
13,532 Borrowers
USD 4,041,455 Portfolio
Active Product
Second Cycle Loan - Upcountry
1,959 Borrowers
USD 643,923 Portfolio
Active Product
2nd Cycle
74,194 Borrowers
USD 20,144,662 Portfolio
Active Product
Shiksha Loan
1,423 Borrowers
USD 20,212 Portfolio
Active Product
3rd Cycle
0 Borrowers
Portfolio
Active Product
Vidya loan - Metro
12,093 Borrowers
USD 624,206 Portfolio
Active Product
Vidya loan - Upcountry
50,784 Borrowers
USD 3,086,936 Portfolio
Active Product
Vidya Loan
98,753 Borrowers
USD 3,225,319 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Equipment Loan ZMK 2,000,000 - 50,000,000 12 - 36 20% - 40% 40% - 60% Business, Farmining business for throughout the year Women, Men, Must have a farm holding and source of water throughout the year Credit Educ, Group Mtgs, Credit Ins
Individual SME Loan ZMK 1,000,000 - 10,000,000 3 - 12 40% - 60% 60% - 80% Business, Consumer Women, Men, Have business, Salaried worker, Either run a business or be salaried Credit Educ, Group Mtgs, Business Training
Twende Loan ZMK 400,000 - 7,000,000 3 - 12 80% - 100% 40% - 60% Business Women, Men, Have business, Start a business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training, Savings , Education on HIV/AIDS, Gender, and Environment
Dairy Loan ZMK 500,000 - 25,000,000 6 - 24 0% - 20% 20% - 40% Business Women, Men, Have business, Be in a business or start one; belong to a dairy cooperative Credit Educ, Group Mtgs, Credit Ins

Loan Products » Conditions

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

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Equipment Loan 25.0% annual, Decl Bal 1 Fee 1 Ins None N/A 28.1% - 28.5% 30.4% - 30.8% 81
Individual SME Loan 60.0%-72.0% annual, Decl Bal 2 Fees 1 Ins None N/A 67.6% - 70% 72.2% - 74.7% 82
Twende Loan 60.0% annual, Decl Bal 1 Fee 1 Ins None 15,000.00 upfront 6,000.00 ongoing 60.2% - 63.2% 65.3% - 82.4% 86
Dairy Loan 30.0% annual, Decl Bal 2 Fees 1 Ins None N/A 59% - 59.8% 63.5% - 64.4% 47

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
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
*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
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

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Equipment Loan 25.0% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 28.1% - 28.5% 30.4% - 30.8% 81
Individual SME Loan 60.0%-72.0% annual, Decl Bal 2 Fees 1 Ins Ins None N/A 67.6% - 70% 72.2% - 74.7% 82
Twende Loan 60.0% annual, Decl Bal 1 Fee 1 Ins Ins None 15,000.00 upfront 6,000.00 ongoing 60.2% - 63.2% 65.3% - 82.4% 86
Dairy Loan 30.0% annual, Decl Bal 2 Fees 1 Ins Ins None N/A 59% - 59.8% 63.5% - 64.4% 47

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
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
*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
Additional Micro Credit - Upcountry 25.5% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 25.7% 26.5% 96
Additional Micro credit -Metro 24.5% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 0% 0% N/A
Additional Micro-Credit 25.3%-26.3% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 0% 0% N/A
Gurukul Loan 21.0% annual, Decl Bal 0 Fees 0 Ins 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 Ins None N/A 0% 0% N/A
Primary loans - Rural 28.5%-30.2% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 28.5% 29.4% 97
Primary Loans - Upcountry 27.5%-29.2% annual, Decl Bal 2 Fees 0 Ins Ins None N/A 27.5% 28.4% 97
Primary Loans 26.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 0% 0% N/A
Second cycle loan - Metro 26.5% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 0% 0% N/A
Second Cycle Loan - Upcountry 27.5% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 27.5% 28.4% 97
Second Cycle Loan 26.0% annual, Decl Bal 2 Fees 0 Ins Ins None N/A 0% 0% N/A
Shiksha Loan 21.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 20.9% - 22% 20.9% - 22% N/A
Third Cycle Loan 25.4% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 0% 0% N/A
Vidya loan - Metro 24.5% annual, Decl Bal 2 Fees 0 Ins Ins None N/A 24.5% 25.3% N/A
Vidya loan - Upcountry 25.5% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 25.7% 26.5% 96
Vidya Loan 24.5%-26.5% annual, Decl Bal 2 Fees 0 Ins Ins None N/A 0% 0% N/A
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% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
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