Institution

Belstar Investment and Finance Private Limited 11 C, Rathinammal Street , Rangarajapuram, KodambakkamChennai, Tamilnadu600024
Data approved: 2014-09-22
Data version: 4
Age of data: 110 months

Institution

S.M.I.L.E. Microfinance Limited 4, Dr.Natesan RoadAshok NagarChennai, Tamilnadu600083
Data approved: 2013-05-21
Data version: 1
Age of data: 131 months

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.belstar.in
Year established2009
Head of InstitutionDr.Kalpana sankar
Regions activeMadhya Pradesh, Tamil Nadu, Puducherry
# Branches64

Total Portfolio (nat'l)INR 1,269,117,806
Total Portfolio (USD)USD 23,945,618.98
Active clients with loans123,092
Approximate % female clients100%
Approximate % urban clients0% - 20%
Network affiliationsMicrofinance Institutions Network - MFIN

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.smileltd.org
Year established1995
Head of InstitutionMr. M. Sathiyamoorthi
Regions activeTamil Nadu, Puducherry
# Branches151

Total Portfolio (nat'l)INR 3,017,141,968
Total Portfolio (USD)USD 56,927,206.94
Active clients with loans360,271
Approximate % female clients100%
Approximate % urban clients40% - 60%
Network affiliationsSa-Dhan, MFIN

Loan Products » Summary

117,606 Borrowers
USD 22,895,241.62 Portfolio
Active Product
5,485 Borrowers
USD 1,050,377.36 Portfolio
Active Product

Loan Products » Summary

IGP
360,271 Borrowers
USD 56,927,206.94 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Micro Enterprise Loan INR 12,000 - 30,000 13 - 25 100% 0% - 20% Business, Agriculture Women, Specific age group, Low HH Inc, Med HH Inc, Must be a Member of an SHG, Must be in the age group of 18 to 60 years. Credit Educ, Group Mtgs, Credit Ins, Business Training
Educational Loan INR 11,000 - 11,000 12 100% 0% - 20% Education Women, Specific age group, Low HH Inc, Med HH Inc Credit Ins

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Micro Loan (IGP) INR 5,000 - 30,000 6 - 24 100% 40% - 60% Business Women, Specific age group, Low HH Inc, Med HH Inc, Rural HH, Urban HH Group Mtgs, Credit Ins

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
Micro Enterprise Loan 24.7% - 26.4% 25.7% - 28% 26.7% - 29% 100
Educational Loan 24.7% 26.5% 28% 100

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Micro Enterprise Loan 25.0% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 25.7% - 28% 26.7% - 29% 91
Educational Loan 25.0% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 26.5% 28% 89

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
Micro Loan (IGP) 25.2% - 26% 26.8% - 27.9% 28.7% - 30.9% Yes Yes Info awaited 100

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Micro Loan (IGP) 26.0% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 26.8% - 27.9% 28.7% - 30.9% 88

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
Micro Enterprise Loan 24.7% - 26.4% 25.7% - 28% 26.7% - 29% 100
Educational Loan 24.7% 26.5% 28% 100

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Micro Enterprise Loan 25.0% annual, Decl Bal 1 Fee 1 Ins Ins 12.36% fees N/A 25.7% - 28% 26.7% - 29% 91
Educational Loan 25.0% annual, Decl Bal 1 Fee 1 Ins Ins 12.36% fees N/A 26.5% 28% 89

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
Micro Loan (IGP) 25.2% - 26% 26.8% - 27.9% 28.7% - 30.9% Yes Yes Info awaited 100

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Micro Loan (IGP) 26.0% annual, Decl Bal 1 Fee 1 Ins Ins 12.36% fees N/A 26.8% - 27.9% 28.7% - 30.9% 88
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