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
  2. PMPC
Please note that the information you are viewing is 151 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

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

Paglaum Multi Purpose Cooperative 2F PMPC Bldg., Eastern LoocPlaridel, Misamis Occidental7209
Data approved: 2011-11-15
Data version: 1
Age of data: 151 months

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

Institution Details

Institution TypeCredit Union / Cooperative
Is this institution regulated?Yes
Website addresshttp://www.paglaumcoop.org.ph/
Year established1992
Head of InstitutionGadwin E. Handumon
Regions active
# Branches14

Total Portfolio (nat'l)PhP 247,944,967
Total Portfolio (USD)USD 5,931,697.78
Active clients with loans21,775
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliationsMASS-SPECC, NATTCO, Association of Asean Confederation of Credit Unions (AACCU), Microfinance Council of the Philippines, Inc. (MCPI)
Funders

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 » Summary

Barangay
670 Borrowers
USD 245,934.02 Portfolio
Active Product
Emergency
589 Borrowers
USD 16,991.70 Portfolio
Active Product
Housing
491 Borrowers
USD 452,572.75 Portfolio
Active Product
MEDAL
1,520 Borrowers
USD 88,541.15 Portfolio
Active Product
Motorcycle
219 Borrowers
USD 193,819.49 Portfolio
Active Product
Pension
2,073 Borrowers
USD 796,964.55 Portfolio
Active Product
Project Loan
12,767 Borrowers
USD 1,581,371.55 Portfolio
Active Product
Regular
5,185 Borrowers
USD 2,189,284.21 Portfolio
Active Product

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 » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Barangay Official Livelihood Assistance PHP 500 - 15,000 6 - 36 60% - 80% 0% - 20% Any Purpose Women, Men, Barangay Officials Credit Educ, Credit Ins
Emergency Loan PHP 500 - 2,000 3 - 6 60% - 80% 0% - 20% Other, Open to all regular and PDP members who are MIGS i, < 60 years Women, Men Group Mtgs
Housing Loan Program PHP 50,000 - 300,000 12 - 26 80% - 100% 0% - 20% Housing Women, Men Credit Educ, Credit Ins
MEDAL 1 PHP 5,000 - 5,000 3 - 6 60% - 80% 0% - 20% Business Women, Men, Have business, Must be Coop member Credit Educ, Group Mtgs, Credit Ins
Motorcycle Loan PHP 60,000 - 120,000 12 - 36 60% - 80% 0% - 20% Consumer Women, Men, Must have MIGS status, Must be Coop member Credit Educ, Credit Ins
Pension Loan PHP 10,000 - 100,000 6 - 24 40% - 60% 0% - 20% Any Purpose Women, Men, Must be pension holder, Must be <80 years Credit Educ, Credit Ins
Project Loan (Micro-Regular Loan) PHP 500 - 150,000 3 - 18 80% - 100% 0% - 20% Business Women, Men, Must be Coop member Credit Educ, Credit Ins
Regular Loan PHP 500 - 1,000,000 1 - 36 60% - 80% 0% - 20% Business, Housing, Consumer, Education, Other Women, Men, Must be Coop member Credit Educ, Credit Ins, Tech Asst Visits, Business Training

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
Barangay Official Livelihood Assistance 22.8% annual, Flat 2 Fees 2 Ins None 6.5% upfront 26.00 ongoing 44.9% - 52.7% 59.2% - 79.8% 35
Emergency Loan 30.0% annual, Flat 2 Fees 2 Ins None 6.5% upfront 76% - 81.7% 174% - 194.8% 16
Housing Loan Program 21.0% annual, Decl Bal 2 Fees 2 Ins None 6.5% upfront 24.4% - 24.5% 31.1% - 34.2% 64
MEDAL 1 30.0%-36.0% annual, Flat 2 Fees 2 Ins None 6.5% upfront 26.00 ongoing 13.4% - 84.8% 22.1% - 114.2% 68
Motorcycle Loan 21.0% annual, Decl Bal 2 Fees 2 Ins None 6.5% upfront 26.00 ongoing 24.5% 31.6% - 33.4% 65
Pension Loan 36.0% annual, Flat 2 Fees 2 Ins None 6.5% upfront 26.00 ongoing 61.6% - 70.8% 70.1% - 85.5% 47
Project Loan (Micro-Regular Loan) 30.0% annual, Flat 2 Fees 2 Ins None 6.5% upfront 26.00 ongoing 55.1% - 79.9% 66.2% - 175.4% 32
Regular Loan 36.0% annual, Flat 2 Fees 2 Ins None 6.5% upfront 26.00 ongoing 69.9% - 88.7% 83.2% - 122.6% 37

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

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Barangay Official Livelihood Assistance 22.8% annual, Flat 2 Fees 2 Ins Ins None 6.5% upfront 26.00 ongoing 44.9% - 52.7% 59.2% - 79.8% 35
Emergency Loan 30.0% annual, Flat 2 Fees 2 Ins Ins None 6.5% upfront 76% - 81.7% 174% - 194.8% 16
Housing Loan Program 21.0% annual, Decl Bal 2 Fees 2 Ins Ins None 6.5% upfront 24.4% - 24.5% 31.1% - 34.2% 64
MEDAL 1 30.0%-36.0% annual, Flat 2 Fees 2 Ins Ins None 6.5% upfront 26.00 ongoing 13.4% - 84.8% 22.1% - 114.2% 68
Motorcycle Loan 21.0% annual, Decl Bal 2 Fees 2 Ins Ins None 6.5% upfront 26.00 ongoing 24.5% 31.6% - 33.4% 65
Pension Loan 36.0% annual, Flat 2 Fees 2 Ins Ins None 6.5% upfront 26.00 ongoing 61.6% - 70.8% 70.1% - 85.5% 47
Project Loan (Micro-Regular Loan) 30.0% annual, Flat 2 Fees 2 Ins Ins None 6.5% upfront 26.00 ongoing 55.1% - 79.9% 66.2% - 175.4% 32
Regular Loan 36.0% annual, Flat 2 Fees 2 Ins Ins None 6.5% upfront 26.00 ongoing 69.9% - 88.7% 83.2% - 122.6% 37
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