2. BSFL
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. Luz del Valle
Please note that the information you are viewing is 163 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Bhartiya Samruddhi Finance Limited 3rd Floor, Surabhi Arcade,Troop Bazar, Bank Street, KotiHyderabad, Andhra PradeshPO Box 500 001
Data approved: 2013-01-25
Data version: 2
Age of data: 132 months
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Institution

Cooperativa Luz Del Valle Av. Abdon calderon 524 e ines gangotenaConcepcion y Santa Rita esquinaSangolqui, Pichincha
Data approved: 2010-11-08
Data version: 1
Age of data: 163 months

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.basixindia.com/
Year established1996
Head of InstitutionMr. Vijaymahajan
Regions activeAndhra Pradesh, Bihar, Chhattisgarh, GujaratJharkhand, Karnataka, Madhya Pradesh, Maharashtra, Meghalaya, OrissaPunjab, Rajasthan, Sikkim, Tripura, Uttar Pradesh, Uttarakhand, West Bengal
# Branches188

Total Portfolio (nat'l)INR 2,414,154
Total Portfolio (USD)USD 45,550.08
Active clients with loans396,861
Approximate % female clients60% - 80%
Approximate % urban clients0% - 20%
Network affiliationsMFIN, Sadhan

Institution Details

Institution TypeCredit Union / Cooperative
Is this institution regulated?No
Website addressN/A
Year established2002
Head of InstitutionJOSE JULIO GUALOTUÑA LEMA
Regions active
# Branches9

Total Portfolio (nat'l)USD 11,870,227.05
Total Portfolio (USD)USD 11,870,227.05
Active clients with loans6,420
Approximate % female clients40% - 60%
Approximate % urban clients40% - 60%
Network affiliationsFECOAC, Red Financiera Rural, COLAC, Financoop
Funders

Loan Products » Summary

Agri Allied
64,244 Borrowers
USD 6,876,623.96 Portfolio
Active Product
Crop Loan
8,998 Borrowers
USD 1,604,170.72 Portfolio
Active Product
Enterprise
201,981 Borrowers
USD 23,110,165.02 Portfolio
Active Product

Loan Products » Summary

Microluz
1,400 Borrowers
USD 3,200,000 Portfolio
Active Product
Oportuno
950 Borrowers
USD 600,000 Portfolio
Active Product
Quirofario
4,070 Borrowers
USD 7,500,000 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Samruddhi Agri Allied Loan INR 15,000 - 50,000 23 - 24 60% - 80% 0% - 20% Business, Agriculture, For improving dairy livelihoods and buying inputs, purchase of mulch animals,procurement of fodder Women, Men, Joint Liability Group Credit Ins
Samruddhi Crop Loan INR 10,000 - 15,000 11 20% - 40% 0% - 20% Business, Agriculture Women, Men, All farmers/tenant farmers engaged in field crop cultivation Credit Ins
Samruddhi Micro Enterprise (NFS) Loan INR 15,000 - 50,000 23 - 24 60% - 80% 0% - 20% Business, For establishment cost,fixed cost,working capital Women, Men Credit Ins

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Microluz USD 1,500 - 10,000 1 - 24 40% - 60% 40% - 60% Business, Capital de tyrabajo, compra de activos, pago de de, Actividades inherentes al negocio Women, Men, Have business, existencia minima del negocio de un año Credit Ins
Oportuno USD 350 - 1,500 1 - 12 40% - 60% 20% - 40% Any Purpose Women, Men, Have business Credit Ins
Quirofario USD 500 - 20,000 1 - 72 40% - 60% 40% - 60% Any Purpose Women, Men, Salaried worker, propietario de casa si el monto es superior a $5,000 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
Samruddhi Agri Allied Loan 23.8% 24.5% - 24.8% 28.5% - 29.5% Yes Yes Yes 100
Samruddhi Crop Loan 22.9% - 23% 24.7% - 24.8% 29.1% - 29.2% Yes Yes Yes 100
Samruddhi Micro Enterprise (NFS) Loan 23.7% - 23.8% 24.5% - 24.7% 28.9% - 29.3% Yes Yes Yes 100
*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
Samruddhi Agri Allied Loan 24.0% annual, Decl Bal 1 Fee 2 Ins 12.36% fees N/A 24.5% - 24.8% 28.5% - 29.5% 83
Samruddhi Crop Loan 24.0% annual, Decl Bal 1 Fee 2 Ins 12.36% fees N/A 24.7% - 24.8% 29.1% - 29.2% 82
Samruddhi Micro Enterprise (NFS) Loan 24.0% annual, Decl Bal 1 Fee 2 Ins 12.36% fees N/A 24.5% - 24.7% 28.9% - 29.3% 82

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Microluz 19.0%-25.0% annual, Decl Bal 1 Fee 0 Ins None 10.0% upfront 20.3% - 25.3% 22.8% - 28.4% 77
Oportuno 22.5%-26.0% annual, Decl Bal 0 Fees 2 Ins None 10.0% upfront 24.3% - 24.7% 27.2% - 27.6% 82
Quirofario 13.6%-13.8% annual, Decl Bal 0 Fees 1 Ins None 10.0% upfront 13.9% - 14% 15.7% - 15.9% 86

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
Samruddhi Agri Allied Loan 23.8% 24.5% - 24.8% 28.5% - 29.5% Yes Yes Yes 100
Samruddhi Crop Loan 22.9% - 23% 24.7% - 24.8% 29.1% - 29.2% Yes Yes Yes 100
Samruddhi Micro Enterprise (NFS) Loan 23.7% - 23.8% 24.5% - 24.7% 28.9% - 29.3% Yes Yes Yes 100
*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
Samruddhi Agri Allied Loan 24.0% annual, Decl Bal 1 Fee 2 Ins Ins 12.36% fees N/A 24.5% - 24.8% 28.5% - 29.5% 83
Samruddhi Crop Loan 24.0% annual, Decl Bal 1 Fee 2 Ins Ins 12.36% fees N/A 24.7% - 24.8% 29.1% - 29.2% 82
Samruddhi Micro Enterprise (NFS) Loan 24.0% annual, Decl Bal 1 Fee 2 Ins Ins 12.36% fees N/A 24.5% - 24.7% 28.9% - 29.3% 82

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Microluz 19.0%-25.0% annual, Decl Bal 1 Fee 0 Ins Ins None 10.0% upfront 20.3% - 25.3% 22.8% - 28.4% 77
Oportuno 22.5%-26.0% annual, Decl Bal 0 Fees 2 Ins Ins None 10.0% upfront 24.3% - 24.7% 27.2% - 27.6% 82
Quirofario 13.6%-13.8% annual, Decl Bal 0 Fees 1 Ins Ins None 10.0% upfront 13.9% - 14% 15.7% - 15.9% 86
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