2. Bandhan
Please note that the information you are viewing is 144 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. KWFT DTM
Please note that the information you are viewing is 146 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Bandhan Financial Services Private Limited DN-32, Sector-V,Salt Lake CityKolkata, West Bengal700091
Data approved: 2011-04-11
Data version: 1
Age of data: -   months 
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Institution

Kenya Women Finance Trust Deposit Taking Microfinance Ltd P.O. Box 4179 - 00506Kiambere Road, Upper HillNairobi
Data approved: 2013-06-24
Data version: 2
Age of data: 146 months
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Institution Details

Institution TypePrivate 'For-Profit'
Is this institution regulated?N/A
Website addresshttp://www.bandhanmf.com/
Year established2006
Head of InstitutionChandra Shekhar Ghosh
Regions active0
# Branches1550

Total Portfolio (nat'l)INR 15,894,315,977
Total Portfolio (USD)USD 353,207,021.70
Active clients with loans2,513,747
Approximate % female clients80% - 100%
Approximate % urban clients60% - 80%
Network affiliationsSa-dhan, MFIN (Microfinance Institutions Network), Alpha Microfinance Consultants(P) Ltd. (Alpha), AMFI (Association of Microfinance Institutions), W.B

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.kwftdtm.com
Year established1982
Head of InstitutionMwangi Githaiga
Regions activeCentral, Coast, Eastern, Nairobi, North Eastern, Nyanza, Rift Valley, Western
# Branches235

Total Portfolio (nat'l)KES 13,743,335,462
Total Portfolio (USD)USD 165,982,312.30
Active clients with loans250,748
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliationsWomen's World Banking, AMFI, AFRACA
FundersKWH, Employee Share Ownership Plan (ESOP)

Loan Products » Summary

Samriddhi Loan (Micro Small and Medium Enterprise Loan)
77 Borrowers
USD 165,144 Portfolio
Active Product
Srishti Loan (Micro enterprise loan) Type1
47,007 Borrowers
USD 24,282,575 Portfolio
Active Product
Srishti Loan(Micro enterprise loan) Type 2
1,364 Borrowers
USD 751,325 Portfolio
Active Product
Suchana Loan (Micro Loan) Type 1
2,149,006 Borrowers
USD 283,289,362 Portfolio
Active Product
Suchana Loan (Micro Loan) Type 2
316,293 Borrowers
USD 44,648,404 Portfolio
Active Product
Suraksha
877 Borrowers
USD 70,211 Portfolio
Active Product

Loan Products » Summary

Biashara
219,089 Borrowers
USD 147,326,470.70 Portfolio
Active Product
Consumer
3,642 Borrowers
USD 1,049,663.59 Portfolio
Active Product
Elimu
13,496 Borrowers
USD 6,138,841.28 Portfolio
Active Product
Mwamba
7,643 Borrowers
USD 7,066,361.15 Portfolio
Active Product
Mwangaza
38,391 Borrowers
USD 3,285,406.97 Portfolio
Active Product
Start Up
12,383 Borrowers
USD 1,115,568.65 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Samriddhi Loan (Micro Small and Medium Enterprise Loan) INR 100,000 - 300,000 12 80% - 100% 20% - 40% Business Women, Men, Have business Credit Ins
Srishti Loan (Micro enterprise loan) Type1 INR 25,000 - 50,000 10.15 - 12 80% - 100% 20% - 40% Business Women, Have business Credit Ins
Srishti Loan(Micro enterprise loan) Type 2 INR 25,000 - 50,000 10.38 - 12 80% - 100% 20% - 40% Business Women, Have business Credit Ins
Suchana Loan (Micro Loan) Type 1 INR 1,000 - 25,000 10.15 - 12 80% - 100% 20% - 40% Business, ONLY used for Income generating activities Women, Have business Credit Ins
Suchana Loan (Micro Loan) Type 2 INR 1,000 - 25,000 10.38 - 12 80% - 100% 20% - 40% Business, It can be used for income generating activities on Women, Have business Credit Ins
Suraksha Loan (Health Loan) INR 1,000 - 5,000 11.5 - 12 80% - 100% 20% - 40% Other, It can be used only for emergency health needs. , Can NOT be used for business Women, This loan is extended to borrowers who have successfully completed at least one loan cycle.

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Biashara Loan KES 10,000 - 45,000,000 6 - 60 60% - 80% 0% - 20% Business Women, Have business Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training, Health education, Women empowerment
Consumer Loan KES 10,000 - 200,000 6 - 18 80% - 100% 0% - 20% Consumer Women, Have business Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training, Leadership, Women empowerment
Elimu Loan KES 5,000 - 200,000 6 - 12 80% - 100% 0% - 20% Education Women, Have business, Evidence of school admission/attendance Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Agricultural Loan KES 10,000 - 45,000,000 6 - 36 80% - 100% 0% - 20% Business, Agriculture Women, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training, Leadership, Women Empowerment
Energy Loan KES 50,000 - 200,000 6 - 36 80% - 100% 0% - 20% Business, Other Women, Have business Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training, Leadership, Women empowerment
Asset Financing Loan KES 50,000 - 10,000,000 6 - 60 80% - 100% 0% - 20% Business Women, Must be willing to set up a viable business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training

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
Samriddhi Loan (Micro Small and Medium Enterprise Loan) 0% 0% 0% N/A
Srishti Loan (Micro enterprise loan) Type1 0% 0% 0% N/A
Srishti Loan(Micro enterprise loan) Type 2 0% 0% 0% N/A
Suchana Loan (Micro Loan) Type 1 0% 0% 0% N/A
Suchana Loan (Micro Loan) Type 2 0% 0% 0% N/A
Suraksha Loan (Health 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
Samriddhi Loan (Micro Small and Medium Enterprise Loan) 10.0% annual, Flat 1 Fee 0 Ins None 5.0% upfront 0% 0% N/A
Srishti Loan (Micro enterprise loan) Type1 10.0% annual, Flat 1 Fee 0 Ins None 5.0% upfront 0% 0% N/A
Srishti Loan(Micro enterprise loan) Type 2 12.5% annual, Flat 1 Fee 0 Ins None 5.0% upfront 0% 0% N/A
Suchana Loan (Micro Loan) Type 1 10.0% annual, Flat 1 Fee 0 Ins None 10.0% upfront 0% 0% N/A
Suchana Loan (Micro Loan) Type 2 12.5% annual, Flat 1 Fee 0 Ins None 10.0% upfront 0% 0% N/A
Suraksha Loan (Health Loan) 10.0% annual, Flat 0 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
Biashara Loan 20.0%-21.6% annual, Flat 2 Fees 1 Ins None 10.0%-20.0% upfront 50.00-0.00 ongoing 37.1% - 42.8% 47.8% - 60.2% 35
Consumer Loan 18.0%-22.0% annual, Flat 2 Fees 1 Ins None 10.0%-20.0% upfront 50.00-0.00 ongoing 40.6% - 40.7% 52.7% - 55.7% 33
Elimu Loan 20.0%-22.0% annual, Flat 2 Fees 1 Ins None 10.0%-20.0% upfront 50.00-0.00 ongoing 38% - 43.9% 52.7% - 61.3% 35
Agricultural Loan 20.0%-22.0% annual, Flat 2 Fees 1 Ins None 10.0%-20.0% upfront 50.00-0.00 ongoing 37% - 42.8% 47% - 56.9% 36
Energy Loan 20.0%-22.0% annual, Flat 2 Fees 1 Ins None 10.0%-20.0% upfront 50.00-0.00 ongoing 36.8% - 40.8% 51.9% - 57.7% 33
Asset Financing Loan 11.2%-20.0% annual, Flat 2 Fees 1 Ins None 10.0%-20.0% upfront 50.00-0.00 ongoing 35.9% - 41.4% 43.9% - 56.7% 22

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
Samriddhi Loan (Micro Small and Medium Enterprise Loan) 0% 0% 0% N/A
Srishti Loan (Micro enterprise loan) Type1 0% 0% 0% N/A
Srishti Loan(Micro enterprise loan) Type 2 0% 0% 0% N/A
Suchana Loan (Micro Loan) Type 1 0% 0% 0% N/A
Suchana Loan (Micro Loan) Type 2 0% 0% 0% N/A
Suraksha Loan (Health 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
Samriddhi Loan (Micro Small and Medium Enterprise Loan) 10.0% annual, Flat 1 Fee 0 Ins Ins None 5.0% upfront 0% 0% N/A
Srishti Loan (Micro enterprise loan) Type1 10.0% annual, Flat 1 Fee 0 Ins Ins None 5.0% upfront 0% 0% N/A
Srishti Loan(Micro enterprise loan) Type 2 12.5% annual, Flat 1 Fee 0 Ins Ins None 5.0% upfront 0% 0% N/A
Suchana Loan (Micro Loan) Type 1 10.0% annual, Flat 1 Fee 0 Ins Ins None 10.0% upfront 0% 0% N/A
Suchana Loan (Micro Loan) Type 2 12.5% annual, Flat 1 Fee 0 Ins Ins None 10.0% upfront 0% 0% N/A
Suraksha Loan (Health Loan) 10.0% annual, Flat 0 Fees 0 Ins 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
Biashara Loan 20.0%-21.6% annual, Flat 2 Fees 1 Ins Ins None 10.0%-20.0% upfront 50.00-0.00 ongoing 37.1% - 42.8% 47.8% - 60.2% 35
Consumer Loan 18.0%-22.0% annual, Flat 2 Fees 1 Ins Ins None 10.0%-20.0% upfront 50.00-0.00 ongoing 40.6% - 40.7% 52.7% - 55.7% 33
Elimu Loan 20.0%-22.0% annual, Flat 2 Fees 1 Ins Ins None 10.0%-20.0% upfront 50.00-0.00 ongoing 38% - 43.9% 52.7% - 61.3% 35
Agricultural Loan 20.0%-22.0% annual, Flat 2 Fees 1 Ins Ins None 10.0%-20.0% upfront 50.00-0.00 ongoing 37% - 42.8% 47% - 56.9% 36
Energy Loan 20.0%-22.0% annual, Flat 2 Fees 1 Ins Ins None 10.0%-20.0% upfront 50.00-0.00 ongoing 36.8% - 40.8% 51.9% - 57.7% 33
Asset Financing Loan 11.2%-20.0% annual, Flat 2 Fees 1 Ins Ins None 10.0%-20.0% upfront 50.00-0.00 ongoing 35.9% - 41.4% 43.9% - 56.7% 22
Institution Price Graph
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Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NBFIInstitution TypeBusinessConsumerEducationMultipleLoan PurposeKWFT DTMInstitutionKE-016-V02-P01KE-016-V02-P02KE-016-V02-P03KE-016-V02-P04KE-016-V02-P05KE-016-V02-P06ProductKECountry2013YearRange Number2Institution Data Version0100,000200,000300,000400,000500,000Loan Size (all)0%20%40%60%Full APR (int fee ins tax dep)> 87,00065,00043,00021,0002,400Number of Borrowers
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