2. BSFL
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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

Thardeep Rural Development Programme Near Dargah Hussain Shah Siran, MithiTharparkar, Sindh69230
Data approved: 2015-05-12
Data version: 2
Age of data: 108 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 TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addresshttp://www.thardeep.org
Year established1998
Head of InstitutionMs. Parsa Pathani
Regions activeSindh
# Branches151

Total Portfolio (nat'l)PKR 1,407,060,752
Total Portfolio (USD)USD 13,817,336.58
Active clients with loans100,001
Approximate % female clients60% - 80%
Approximate % urban clients0% - 20%
Network affiliationsPakistan Microfinance Network, Rural Support Programme Network, National Disaster Management Authority
FundersPakistan Poverty Alleviation Fund (PPAF), USAID, Government Of Sindh, Save the Children

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

Enterprise
53,920 Borrowers
USD 6,236,235.32 Portfolio
Active Product
Livestock
37,817 Borrowers
USD 6,026,861.22 Portfolio
Active Product
Agriculture
8,264 Borrowers
USD 1,554,240.05 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 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
Enterprise Loans PKR 5,000 - 100,000 3 - 12 60% - 80% 0% - 20% Business Women, Men, Have business Credit Educ, Business Training
Livestock Loans PKR 5,000 - 70,000 6 - 12 40% - 60% 0% - 20% Business, Livestock Women, Men, must have livestock or want to purchase livestock Credit Educ, Business Training
Agriculture Loans PKR 5,000 - 40,000 4 - 8 0% - 20% 0% Agriculture Men, Have home or land Credit Educ

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
Enterprise Loans 18.0% annual, Flat 1 Fee 1 Ins None N/A 34.4% - 35.6% 35.1% - 37.6% 49
Livestock Loans 18.0% annual, Flat 1 Fee 1 Ins None N/A 18.6% - 21.3% 18.9% - 21.8% 91
Agriculture Loans 18.0% annual, Flat 1 Fee 1 Ins None N/A 20.1% - 21.3% 20.6% - 24% 80

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
Enterprise Loans 18.0% annual, Flat 1 Fee 1 Ins Ins None N/A 34.4% - 35.6% 35.1% - 37.6% 49
Livestock Loans 18.0% annual, Flat 1 Fee 1 Ins Ins None N/A 18.6% - 21.3% 18.9% - 21.8% 91
Agriculture Loans 18.0% annual, Flat 1 Fee 1 Ins Ins None N/A 20.1% - 21.3% 20.6% - 24% 80
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