2. Utkarsh
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  2. FONDEP
Please note that the information you are viewing is 133 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Utkarsh Microfinance Pvt Ltd S-2/639-56, VARUNA VIHAR COLONY,NEAR J P MEHTA INTER COLLEGE, CANTT.,VARANASI, UTTAR PRADESH221002
Data approved: 2012-01-12
Data version: 1
Age of data: -   months 
Choose version

Institution

Fondation pour le Development Local et le Partenariat Micro-Crédit Imm. Saraya, Angle Bd Riad et Av Alarz - Hay RiadRabat10100
Data approved: 2013-05-13
Data version: 1
Age of data: 133 months

Product

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Product

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Product Summary

Number borrowers9,848
Loan Amount (range)INR 6,000 - 18,000
Loan Term (range)30
Other Services (text summary)Credit Educ, Group Mtgs, Tech Asst Visits, Other Training
Annual Interest & Method28.2% annual, Decl Bal
Fees1.00% upfront
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component
Fee Component
Insurance Component
Tax Component Range
Full APR (int fee ins tax dep)0
Transparency Index (min/max)
Transparency Index (average)N/A

Product Summary

98,244
MAD 3,000 - 30,000
3 - 36
Credit Educ
34.0% annual, Decl Bal
2.50% upfront 10.00 upfront
None
None
N/A
 
26.5% - 34.5%
1.0% - 10.3%
0
0
37.3% - 44.6%
76 - 98
83

Product Details

Key Statistics
Outstanding portfolio (INR)INR 62,954,711
Portfolio (USD)USD 1,398,994
Active Clients with Loans9,848
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Income Generation loan to women borrowers under the joint liability structure between INR600o-18000
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
OtherIncome Generation
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurance
Workplace visitsx
Business training
Other trainingx
Other
Other (2)
No other services
Eligibility
Men
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age groupx
Household income <60,000 INR
Household income <120,000 INR
Must live in rural area
Must lives in urban area
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Product Details

Key Statistics
Outstanding portfolio (MAD)MAD 718,781,886
Portfolio (USD)USD 84,562,574.82
Active Clients with Loans98,244
Approximate % Female Clients40% - 60%
Approximate % Urban Clients40% - 60%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Ce produit est destiné aux clients micro-entrepreneurs qui désirent développer leurs activité en se basant sur un financement individuel adapté à leurs besoins.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculturex
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution9
# Regions for this product9
Regions ActiveTangier-Tétouan, East and the Rif, Fes-Meknes, Rabat-Sale-Kenitra, Beni Mellal-Khenifra, Settat-Casablanca, Marrakesh-Safi, Drâa-Tafilalt, Souss-Massa

Loan Conditions

Loan Amount
CurrencyINR
Minimum loan sizeINR 6,000
Maximum loan size18,000
Loan Term and Grace Period
Shortest loan term30.0 months
Longest loan term30.0 months
Approx average30.0 months
Distribution at Disbursement (Est.)
Loans 3 months or lessN/A
Between 4 and 6 monthsN/A
Between 7 and 9 monthsN/A
Between 10 and 12 monthsN/A
Between 13 and 18 monthsN/A
Longer than 18 monthsN/A
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeksx
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyMAD
Minimum loan sizeMAD 3,000
Maximum loan size30,000
Distribution at Disbursement (Est.)
Loans less than MAD 5,00030%
MAD 5,000-15,00060%
MAD 15,000-25,0005%
MAD 25,000-35,0005%
MAD 35,000-45,0000
Greater than MAD 45,0000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term36.0 months
Approx average17.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months40%
Between 13 and 18 months40%
Longer than 18 months20%
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 interest28.18%
Highest quoted nominal interest28.18%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?N/A
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
Description1% of Processing fees
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
Description1% of the loan amount
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?Yes
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

Pricing Information

Interest
Lowest quoted nominal interest34.00%
Highest quoted nominal interest34.00%
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
DescriptionFrais de dossierFrais de Carnet
% of loan amount - min2.50%0
% of loan amount - max2.50%0
OR, Fixed amount - min010
Fixed amount - max010
Reason for variationN/DN/A
Appears on Repayment Sched?YesNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
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
Additional Comments
MAD 50 membership fee for new clients + MAD 10 passbook fee (passbook is always kept by the client)

Full Pricing Data

Utkarsh Unnati samples
No sample data for this product

Full Pricing Data

Attarwij samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountMAD 3,087.18MAD 3,600MAD 5,138.46MAD 5,138.46MAD 30,779.49
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2014-02-212014-02-142014-02-132014-02-212014-02-21
Loan Term (Months)6.0 months12.0 months6.0 months12.0 months18.0 months
Grace Period (Months)-0.1 months-0.1 months-0.1 months-0.1 months-0.1 months
Total Cost of CreditMAD 402MAD 808MAD 664MAD 1,144MAD 9,726
True Price by Comp         
Interest price component34.3%34.3%34.5%34.1%33.8%
Fee Component10.3%5.5%9.8%5.4%3.5%
Insurance Component0.0%0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)44.6%39.8%44.3%39.5%37.3%
Transparency Index7685778691
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF
Utkarsh Unnati Price Graphs
No sample data for this product
Attarwij Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeMultipleLoan PurposeFONDEPInstitutionMA-010-V01-P01ProductMACountry2013YearRange Number1Institution Data Version010,00020,00030,000Loan Size (all)0%10%20%30%40%Full APR (int fee ins tax dep)> 9,8007,3004,9002,400200Number of Borrowers
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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
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