Loan Conditions

Loan Amount

Currency	INR
Minimum loan size	INR 8,000
Maximum loan size	50,000

Loan Term and Grace Period

Shortest loan term	3.0 months
Longest loan term	12.0 months
Approx average	0

Distribution at Disbursement (Est.)

Loans 3 months or less	N/A
Between 4 and 6 months	N/A
Between 7 and 9 months	N/A
Between 10 and 12 months	N/A
Between 13 and 18 months	N/A
Longer than 18 months	N/A

Grace Period

Grace period usage	0
Average grace period	0

Repayment Frequency

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

Loan Conditions

Loan Amount

Currency	KES
Minimum loan size	KES 1,000
Maximum loan size	300,000

Distribution at Disbursement (Est.)

Loans less than KES 50,000	40%
KES 50,000-150,000	50%
KES 150,000-250,000	10%
KES 250,000-350,000	0
KES 350,000-450,000	0
Greater than KES 450,000	0

Loan Term and Grace Period

Shortest loan term	6.0 months
Longest loan term	18.0 months
Approx average	9.0 months

Distribution at Disbursement (Est.)

Loans 3 months or less	0
Between 4 and 6 months	10%
Between 7 and 9 months	15%
Between 10 and 12 months	70%
Between 13 and 18 months	5%
Longer than 18 months	0

Grace Period

Grace period usage	0
Average grace period	0

Repayment Frequency

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

Pricing Information

Interest

Upfront Fees

	Fee 1
Description	Processing Fee: First cycle at 3.3% and subsequent cycles at 2.2% of the loan amount (including service tax)
% of loan amount - min	2.20%
% of loan amount - max	3.30%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation
Appears on Repayment Sched?	No

Ongoing Fees

This product has no ongoing fees

Upfront Insurance Fees

	Ins 1
Description	Insurance Fees and Collection Fee of Rs. 11/installment (Min. of 33 and Max. of 132)
% of loan amount - min	0
% of loan amount - max	0
OR, Fixed amount - min	143
Fixed amount - max	452
Reason for variation
Appears on Repayment Sched?	No

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?

No

Additional Comments

FEES: At the time of disbursement we charge:\rCollection fee: Rs. 11 per installment (including service tax)\rInsurance Fee: Minimum of 11 and Maximum of 32 (including service tax)\rProcessing Fee: First cycle at 3.3% and subsequent cycles at 2.2% of the loan amount (including service tax) \r\rINSTALLMENT SCHEDULE: Collection Fees, Processing Fees and Insurance fees are not included in the Repayment schedule as it is system generated. Details for these fees are included in the receipts and the loan contract given to the client at the time of disbursement.

Pricing Information

Interest

Upfront Fees

	Fee 1
Description	LACE (Loan Application & Credit Evaluation) Fee
% of loan amount - min	2.00%
% of loan amount - max	3.00%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation	3% for 1st cycle, 2% for multiple cycle loans
Appears on Repayment Sched?	Yes

Ongoing Fees

This product has no ongoing fees

Upfront Insurance Fees

	Ins 1
Description	Annual Insurance Fee
% of loan amount - min	0.63%
% of loan amount - max	0.63%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation	0.625% per annum.
Appears on Repayment Sched?	Yes

Ongoing Insurance Fees

This product has no ongoing insurance fees

Compulsory Deposit

Required for	All
Criteria	Savings interest depends on the balance that is in the account
Is deposit indicated on the repayment schedule?	No
Do borrowers control deposit in their group?	Yes

Deposit BEFORE or AT Disbursement

% loan amount deposited	10.00%
or, Fixed-amount deposited	0

Deposits DURING period payments

% loan amount deposited	0
or, Fixed-amount deposited	0
Conditions on access to deposit	When Leaving

Interest Paid on Deposit

Minimum interest rate paid	1.00%
Maximum interest rate paid	3.00%
Interest payment frequency	Monthly

Taxes

Are taxes charged on this product?

No

Swayog - Individual Business Loan Price Graphs

No sample data for this product

Fanikisha - Shaba - Loan Price Graphs