| Institution Type | Private 'For-Profit' |
| Is this institution regulated? | N/A |
| Website address | http://www.arohan.in/ |
| Year established | 1991 |
| Head of Institution | Shubhankar Sengupta |
| Regions active | 0 |
| # Branches | 86 |
| Total Portfolio (nat'l) | INR 977,953,655 |
| Total Portfolio (USD) | USD 21,732,303.44 |
| Active clients with loans | 187,754 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 80% - 100% |
| Network affiliations | MFIN, Sa-Dhan |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Bazar Loan | INR 6,000 - 18,000 | 10.5 | 0% - 20% | 80% - 100% | Any Purpose | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins | |||||||
| Saral Product - Bihar | INR 5,000 - 17,000 | 13.3 | 80% - 100% | 80% - 100% | Any Purpose | Women | Credit Educ, Group Mtgs, Credit Ins | |||||||
| Saral Product- WB | INR 5,000 - 17,500 | 13.3 | 80% - 100% | 80% - 100% | Any Purpose | Women | Credit Educ, Group Mtgs, Credit Ins |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Bazar Loan | 0% | 35.1% - 36.2% | 37% | N/A | ||||||||||
| Saral Product - Bihar | 0% | 29.4% - 30.6% | 31.9% | N/A | ||||||||||
| Saral Product- WB | 0% | 25.5% - 27% | 28% | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Bazar Loan | 27.3% annual, Decl Bal | 2 Fees | 0 Ins | None | N/A | 35.1% - 36.2% | 37% | 74 | ||||||||
| Saral Product - Bihar | 24.1% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 29.4% - 30.6% | 31.9% | 76 | ||||||||
| Saral Product- WB | 24.1% annual, Decl Bal | 2 Fees | 0 Ins | None | N/A | 25.5% - 27% | 28% | 86 |
| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| ACSI | 682,200 | 103,172,000 | 5 | 150 |
| ADCSI | 176,100 | 30,846,000 | 2 | 151 |
| BG | 47,000 | 4,048,000 | 4 | 150 |
| DECSI | 361,000 | 96,304,000 | 7 | 150 |
| Dire | 4,900 | 828,000 | 4 | 150 |
| DMCPSC | 1,200 | 69,000 | 1 | 150 |
| Eshet | 18,800 | 2,392,000 | 3 | 150 |
| Harbu | 22,400 | 1,757,000 | 2 | 150 |
| Meklit | 12,200 | 1,395,000 | 4 | 150 |
| Metemamen | 10,500 | 650,000 | 6 | 150 |
| OCSSCO | 502,700 | 69,565,000 | 3 | 150 |
| OMO | 323,600 | 31,385,000 | 4 | 150 |
| PEACE | 17,200 | 2,462,000 | 3 | 150 |
| SFPI | 33,600 | 2,750,000 | 3 | 150 |
| Sidama | 53,400 | 1,162,000 | 6 | 150 |
| Wasasa | 49,300 | 5,798,000 | 4 | 150 |
| Wisdom MFI | 45,300 | 5,500,000 | 6 | 147 |
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