2. Dire
Please note that the information you are viewing is 150 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Bandhan
Please note that the information you are viewing is 132 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Dire Microfinance Head OfficeDire DawaPO Box 2859
Data approved: 2011-12-23
Data version: 1
Age of data: 150 months

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 Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addressN/A
Year established1996
Head of InstitutionSentayehu Ketema
Regions active
# Branches9

Total Portfolio (nat'l)ETB 17,886,789
Total Portfolio (USD)USD 972,108.10
Active clients with loans5,015
Approximate % female clients40% - 60%
Approximate % urban clients80% - 100%
Network affiliationsAEMFI, MAIN
Funders

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

Loan Products » Summary

Consumption
317 Borrowers
USD 88,673.91 Portfolio
Active Product
Group
4,437 Borrowers
USD 534,575 Portfolio
Active Product
Individual
187 Borrowers
USD 152,923.91 Portfolio
Active Product
Housing
38 Borrowers
USD 52,092.39 Portfolio
Low Volume Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

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 » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Consumption Loan ETB 2,000 - 10,000 12 - 24 20% - 40% 80% - 100% Any Purpose Women, Men, Salaried worker Credit Educ, Group Mtgs, Tech Asst Visits, Business Training
Group Loan ETB 2,500 - 10,000 1 - 12 60% - 80% 80% - 100% Any Purpose Women, Men Credit Educ, Group Mtgs, Tech Asst Visits, Business Training
Individual Loan ETB 2,500 - 80,000 12 - 36 60% - 80% 80% - 100% Any Purpose Women, Men Credit Educ, Tech Asst Visits, Business Training

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 » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Consumption Loan 10.0% annual, Decl Bal 1 Fee 0 Ins None N/A 18.1% - 22.1% 18.1% - 22.1% 51
Group Loan 11.5% annual, Decl Bal 1 Fee 0 Ins None N/A 24.2% - 24.5% 24.2% - 24.5% 47
Individual Loan 11.5% annual, Decl Bal 1 Fee 0 Ins None N/A 21.2% - 24.3% 21.2% - 24.3% 51

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
Consumption Loan 10.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 18.1% - 22.1% 18.1% - 22.1% 51
Group Loan 11.5% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 24.2% - 24.5% 24.2% - 24.5% 47
Individual Loan 11.5% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 21.2% - 24.3% 21.2% - 24.3% 51

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
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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
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Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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