2. Belstar
Please note that the information you are viewing is 122 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Belstar Investment and Finance Private Limited 11 C, Rathinammal Street , Rangarajapuram, KodambakkamChennai, Tamilnadu600024
Data approved: 2014-09-22
Data version: 4
Age of data: 122 months
Choose version

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.belstar.in
Year established2009
Head of InstitutionDr.Kalpana sankar
Regions activeMadhya Pradesh, Tamil Nadu, Puducherry
# Branches64

Total Portfolio (nat'l)INR 1,269,117,806
Total Portfolio (USD)USD 23,945,618.98
Active clients with loans123,092
Approximate % female clients100%
Approximate % urban clients0% - 20%
Network affiliationsMicrofinance Institutions Network - MFIN

Loan Products » Summary

Enterprise
117,606 Borrowers
USD 22,895,241.62 Portfolio
Active Product
Education
5,485 Borrowers
USD 1,050,377.36 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Micro Enterprise Loan INR 12,000 - 30,000 13 - 25 100% 0% - 20% Business, Agriculture Women, Specific age group, Low HH Inc, Med HH Inc, Must be a Member of an SHG, Must be in the age group of 18 to 60 years. Credit Educ, Group Mtgs, Credit Ins, Business Training
Educational Loan INR 11,000 - 11,000 12 100% 0% - 20% Education Women, Specific age group, Low HH Inc, Med HH Inc Credit Ins

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
Micro Enterprise Loan 24.7% - 26.4% 25.7% - 28% 26.7% - 29% 100
Educational Loan 24.7% 26.5% 28% 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
Micro Enterprise Loan 25.0% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 25.7% - 28% 26.7% - 29% 91
Educational Loan 25.0% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 26.5% 28% 89
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NBFIInstitution TypeEducationMultipleLoan PurposeBelstarInstitutionIN-013-V04-P01IN-013-V04-P02ProductINCountry2014YearRange Number4Institution Data Version05,00010,00015,00020,00025,00030,000Loan Size (all)0%10%20%30%Full APR (int fee ins tax dep)> 35,00026,00017,0008,800900Number of Borrowers
Click to view Price Analysis Tool
  2. DemirBank
Please note that the information you are viewing is 125 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

DemirBank 31 Garabagh str., Baku.,AZ 1008Baku, BakuAZ1008
Data approved: 2014-09-18
Data version: 1
Age of data: 125 months

Product

Cash Loan Product 1 of 2 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (AZN)AZN 19,247,182
Portfolio (USD)USD 24,675,874.36
Active Clients with Loans9,849
Approximate % Female Clients20% - 40%
Approximate % Urban Clients40% - 60%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Cash loan issued to consumer client based on their monthly income for any personal use.
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other servicesx
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried workerx
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution7
# Regions for this product8
Regions ActiveAbsheron, Ganja-Qazakh, Shaki-Zaqatala, Lankaran-Astara, Quba-Khachmaz, Orta Kur, Daglig-ShirvanKur

Loan Conditions

Loan Amount
CurrencyAZN
Minimum loan sizeAZN 500
Maximum loan size10,000
Distribution at Disbursement (Est.)
Loans less than AZN 1,00015%
AZN 1,000-5,00070%
AZN 5,000-8,00010%
AZN 8,000-11,0005%
AZN 11,000-14,0000
Greater than AZN 14,0000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term36.0 months
Approx average24.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months30%
Between 13 and 18 months30%
Longer than 18 months40%
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest28.00%
Highest quoted nominal interest34.00%
Reason(s) why interest rate variesTime as Client, Loan Size
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionComission FeeDocument charge
% of loan amount - min1.00%0
% of loan amount - max1.00%0
OR, Fixed amount - min010
Fixed amount - max0100
Reason for variation1% is for documenting charges, 1% for cash disbursmentN/A
Appears on Repayment Sched?NoNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionAccident Insurance
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min10
Fixed amount - max120
Reason for variationIt is determined according to the loan amount.
Appears on Repayment Sched?No
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forNever
CriteriaN/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 depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

Cash Loan samples
Type of Sample
Grace Period (Months)
Full APR (int fee ins tax dep)
True Price by Component
Interest price component
Fee Component
Insurance Component
Tax Component
Deposit Component
AZN 900 Real 2014-08-25 18.3 months N/A AZN 231.77 30.5% 27.7% 1.3% 1.5% 0.0% 0.0% 85 PDF PDF
AZN 900 Generated 2014-11-01 18.0 months N/A AZN 228.18 32.4% 27.7% 3.1% 1.6% 0.0% 0.0% 80 - PDF
AZN 2,600 Real 2014-07-22 12.2 months N/A AZN 592 41.6% 27.9% 2.0% 11.7% 0.0% 0.0% 63 PDF PDF
AZN 2,600 Generated 2014-11-01 12.0 months N/A AZN 549.09 40.3% 27.7% 2.8% 9.8% 0.0% 0.0% 65 - PDF
AZN 1,000 Generated 2014-11-01 12.0 months N/A AZN 226.19 43.6% 27.7% 9.3% 6.6% 0.0% 0.0% 60 - PDF
AZN 1,500 Generated 2014-11-01 12.0 months N/A AZN 321.78 41.0% 27.7% 7.6% 5.7% 0.0% 0.0% 63 - PDF
AZN 2,000 Generated 2014-11-01 12.0 months N/A AZN 423.97 40.1% 29.6% 6.2% 4.3% 0.0% 0.0% 65 - PDF
AZN 3,100 Generated 2014-11-01 18.0 months N/A AZN 940.58 39.5% 30.6% 3.9% 5.0% 0.0% 0.0% 66 - PDF
AZN 4,000 Generated 2014-11-01 24.0 months N/A AZN 1,510.82 37.2% 30.6% 3.0% 3.6% 0.0% 0.0% 70 - PDF
AZN 6,500 Generated 2014-11-01 24.0 months N/A AZN 2,487.91 37.3% 32.6% 2.4% 2.3% 0.0% 0.0% 70 - PDF
Cash Loan Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.BankInstitution TypeAnyLoan PurposeDemirBankInstitutionAZ-013-V01-P01ProductAZCountry2014YearRange Number1Institution Data Version02,0004,0006,000Loan Size (all)0%10%20%30%40%Full APR (int fee ins tax dep)> 1,9001,40090040050Number of Borrowers
Click to view Price Analysis Tool
Caps / Zoom options
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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
Loading...
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

Total Borrowers of Samples

X Axis
Greater than:
Less or equal to:
From 0 to
to
to
to ∞