2. BSFL
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  2. TCCU
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Institution

Bhartiya Samruddhi Finance Limited Ascent Tower, Muncipal No.8-2-596/c/2 to c/5Road No 10, Banjara Hills.Hyderabad, Andhra Pradesh500034
Data approved: 2011-07-18
Data version: 1
Age of data: -   months 
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Institution

Tamale Community Credit Union Head OfficeTamale, Northern Region
Data approved: 2013-04-29
Data version: 2
Age of data: 133 months
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Institution Details

Institution TypePrivate 'For-Profit'
Is this institution regulated?N/A
Website addresshttp://www.basixindia.com/
Year established1996
Head of InstitutionMr. Manmathdalai
Regions active0
# Branches138

Total Portfolio (nat'l)INR 11,024,902
Total Portfolio (USD)USD 244,997.82
Active clients with loans1,199,141
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 established2004
Head of InstitutionAkaare Emmanuel
Regions activeNorthern Region
# Branches1

Total Portfolio (nat'l)GHS 64,800
Total Portfolio (USD)USD 32,893.40
Active clients with loans145
Approximate % female clients40% - 60%
Approximate % urban clients0% - 20%
Network affiliationsCUA, GHAMFIN
FundersSENDFINCO (SEND Ghana)

Loan Products » Summary

Agri Allied
235,615 Borrowers
USD 54,355,547 Portfolio
Active Product
Crop Loan
63,069 Borrowers
USD 12,160,461 Portfolio
Active Product
Enterprise
610,796 Borrowers
USD 121,585,590 Portfolio
Active Product

Loan Products » Summary

Business
89 Borrowers
USD 16,243.65 Portfolio
Active Product
Microfinance
52 Borrowers
USD 7,614.21 Portfolio
Active Product
Provident
4 Borrowers
USD 9,035.53 Portfolio
Low Volume Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Samruddhi Agri Allied Loan INR 8,000 - 30,000 23 - 24 20% - 40% 0% - 20% 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 - 30,000 11 20% - 40% 0% - 20% Business, only for working for capital crop cultivation , purchase of agriculture inputs i.e. seeds, fertili Women, Men, All farmers including tenant farmers engaged in cultivation of field crops Credit Ins
Samruddhi Micro Enterprise (NFS) Loan INR 10,000 - 30,000 23 - 24 40% - 60% 0% - 20% Business, For establishment cost,fixed cost,working capital Women, Men, Joint Liability Group Credit Ins

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Business Loan GHS 150 - 10,000 1 - 18 40% - 60% 20% - 40% Business Women, Men, Have business Group Mtgs
Microfinance Loan GHS 120 - 250 4 80% - 100% 0% - 20% Business Women, must be in a group and in the community Credit Educ, Group Mtgs

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 0% 25% - 25.3% 25% - 25.3% N/A
Samruddhi Crop Loan 0% 26% - 27.8% 29.9% - 31.7% N/A
Samruddhi Micro Enterprise (NFS) Loan 0% 25.1% - 25.4% 25.1% - 25.4% 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
Samruddhi Agri Allied Loan 24.0% annual, Decl Bal 1 Fee 0 Ins None N/A 25% - 25.3% 25% - 25.3% 95
Samruddhi Crop Loan 21.0% annual, Decl Bal 1 Fee 0 Ins None N/A 26% - 27.8% 29.9% - 31.7% 68
Samruddhi Micro Enterprise (NFS) Loan 24.0% annual, Decl Bal 2 Fees 0 Ins None N/A 25.1% - 25.4% 25.1% - 25.4% 95

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% annual, Decl Bal 1 Fee 1 Ins None 50.00% upfront 38.1% - 40.2% 162.3% - 175.1% 21
Microfinance Loan 30.00% annual, Flat 1 Fee 0 Ins None N/A- upfront 60.9% - 63.6% 63% - 69.5% 45

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 0% 25% - 25.3% 25% - 25.3% N/A
Samruddhi Crop Loan 0% 26% - 27.8% 29.9% - 31.7% N/A
Samruddhi Micro Enterprise (NFS) Loan 0% 25.1% - 25.4% 25.1% - 25.4% 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
Samruddhi Agri Allied Loan 24.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 25% - 25.3% 25% - 25.3% 95
Samruddhi Crop Loan 21.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 26% - 27.8% 29.9% - 31.7% 68
Samruddhi Micro Enterprise (NFS) Loan 24.0% annual, Decl Bal 2 Fees 0 Ins Ins None N/A 25.1% - 25.4% 25.1% - 25.4% 95

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% annual, Decl Bal 1 Fee 1 Ins Ins None 50.00% upfront 38.1% - 40.2% 162.3% - 175.1% 21
Microfinance Loan 30.00% annual, Flat 1 Fee 0 Ins Ins None N/A- upfront 60.9% - 63.6% 63% - 69.5% 45
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