2. Saija
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Institution

Saija Finance Pvt. Ltd. Uma Complex, Fraser Road3rd FloorPatna, BIHAR800001
Data approved: 2010-10-25
Data version: 1
Age of data: -   months 
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Institution Details

Institution TypePrivate 'For-Profit'
Is this institution regulated?N/A
Website addresshttp://www.saija.in/
Year established2007
Head of InstitutionS. R. Sinha
Regions active0
# Branches4

Total Portfolio (nat'l)INR 47,310,970
Total Portfolio (USD)USD 1,051,354.89
Active clients with loans9,175
Approximate % female clients60% - 80%
Approximate % urban clients60% - 80%
Network affiliations

Loan Products » Summary

Business
2,315 Borrowers
USD 338,940 Portfolio
Active Product
Household
6,860 Borrowers
USD 712,415 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Saija Karobar Rin - Business JLG INR 10,000 - 20,000 6 - 7 0% - 20% 80% - 100% Business Women, Men, Have business Credit Ins
Saija Mahila Rin - Household JLG INR 8,000 - 8,000 12 80% - 100% 80% - 100% Business, Housing, Education Women Group Mtgs, 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
Saija Karobar Rin - Business JLG 0% 46.8% - 52.7% 49.3% - 58.3% N/A
Saija Mahila Rin - Household JLG 0% 38% 41.4% N/A
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Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Saija Karobar Rin - Business JLG 18.0% annual, Flat 2 Fees 0 Ins None N/A 46.8% - 52.7% 49.3% - 58.3% 34
Saija Mahila Rin - Household JLG 15.0% annual, Flat 1 Fee 0 Ins None N/A 38% 41.4% 36
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.Private \'For-Profit\'Institution TypeBusinessLoan PurposeSaijaInstitutionIN-057-V01-P01IN-057-V01-P02ProductINCountry2010YearRange Number1Institution Data Version05,00010,00015,00020,000Loan Size (all)0%20%40%60%Full APR (int fee ins tax dep)> 3,4002,5001,70080090Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
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Loan Portfolio (USD)
% Products using declining balance
% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
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