2. BSFL
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  2. TCCU
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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

Tamale Community Credit Union P.O.BoxTamale, Northern Region233
Data approved: 2011-12-07
Data version: 1
Age of data: -   months 
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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 TypeCooperative
Is this institution regulated?No
Website addressN/A
Year established2004
Head of InstitutionSafia Musah
Regions active0
# Branches0

Total Portfolio (nat'l)GHS 154,883
Total Portfolio (USD)USD 103,255.33
Active clients with loans743
Approximate % female clients40% - 60%
Approximate % urban clients0% - 20%
Network affiliationsCUA, GHAMFIN
FundersSENDFINCO (SEND Ghana)

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

Business Loan
195 Borrowers
USD 63,471 Portfolio
Active Product
Microfinance Loan
464 Borrowers
USD 12,383 Portfolio
Active Product
Provident Loan
84 Borrowers
USD 27,201 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
Business Loan GHS 100 - 7,000 1 - 18 40% - 60% 20% - 40%
Microfinance Loan GHS 80 - 100 4 80% - 100% 0% - 20%
Provident Loan GHS 500 - 6,000 1 - 18 40% - 60% 0% - 20%

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
Business Loan 36.00%-0.00% annual, Decl Bal 0 Fees 1 Ins N/A 31.8% - 36.5% 37.7% - 48.1% 83
Microfinance Loan 33.00%-0.00% annual, Flat 1 Fee 0 Ins N/A 64.5% - 66% 64.5% - 66% 50
Provident Loan 36.00%-0.00% annual, Decl Bal 0 Fees 2 Ins N/A 36.4% - 36.7% 43% - 47% 81

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
Business Loan 36.00%-0.00% annual, Decl Bal 0 Fees 1 Ins Ins N/A 31.8% - 36.5% 37.7% - 48.1% 83
Microfinance Loan 33.00%-0.00% annual, Flat 1 Fee 0 Ins Ins N/A 64.5% - 66% 64.5% - 66% 50
Provident Loan 36.00%-0.00% annual, Decl Bal 0 Fees 2 Ins Ins N/A 36.4% - 36.7% 43% - 47% 81
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