Institution

Singhivi Investment & Finance Pvt. Ltd. 4th Floor, Temple Tower, 672 Anna Salai, NandanamChennai, Tamil Nadu600035
Data approved: 2013-02-20
Data version: 3
Age of data: 78 months

Institution

Union Rural Bank Limited Head OfficeSenya Bereku, Central RegionP.O. Box 5
Data approved: 2013-02-26
Data version: 2
Age of data: 78 months

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.equitasmf.in
Year established2007
Head of InstitutionPN Vasudevan
Regions activeGujarat, Madhya Pradesh
# Branches278

Total Portfolio (nat'l)INR 9,756,400,000
Total Portfolio (USD)USD 184,083,018.90
Active clients with loans1,163,000
Approximate % female clients80% - 100%
Approximate % urban clients80% - 100%
Network affiliationsMFIN, Sa-Dhan, Alpha

Institution Details

Institution TypeRurBank
Is this institution regulated?Yes
Website addressN/A
Year established1999
Head of InstitutionPaul Kojo Kombian
Regions activeGreater Accra Region, Central Region
# Branches7

Total Portfolio (nat'l)GHS 4,652,554
Total Portfolio (USD)USD 2,361,702.54
Active clients with loans3,831
Approximate % female clients60% - 80%
Approximate % urban clients40% - 60%
Network affiliationsARB APEX, GHAMFIN, Freedom from Hunger
FundersOikoCredit, SPEED Ghana, ARB APEX Bank

Loan Products » Summary

540,000 Borrowers
USD 107,735,849.10 Portfolio
Active Product
45,000 Borrowers
USD 10,377,358.49 Portfolio
Active Product
590,000 Borrowers
USD 66,037,735.85 Portfolio
Active Product
45,000 Borrowers
USD 2,264,150.94 Portfolio
Active Product
Retired Product
Retired Product
Retired Product
Retired Product
Retired Product
Retired Product
Retired Product
Retired Product
Retired Product
Retired Product
Retired Product

Loan Products » Summary

1,367 Borrowers
USD 187,932.49 Portfolio
Active Product
1,889 Borrowers
USD 1,777,637.90 Portfolio
Active Product
435 Borrowers
USD 300,171.28 Portfolio
Active Product
140 Borrowers
USD 95,960.87 Portfolio
Active Product
Retired Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Second Cycle Loan INR 12,000 - 18,000 18 - 24 80% - 100% 80% - 100% Business Women, Have business, Low HH Inc, Med HH Inc Credit Educ, Group Mtgs, Credit Ins
Third Cycle Loan INR 12,000 - 18,000 18 - 24 80% - 100% 80% - 100% Business Women, Have business, Low HH Inc, Med HH Inc Credit Educ, Group Mtgs, Credit Ins
First Cycle Loan INR 12,000 - 18,000 18 - 24 80% - 100% 80% - 100% Business Women, Have business, Low HH Inc, Med HH Inc Credit Educ, Group Mtgs, Credit Ins
Income Generating 1 Year Loan INR 4,999.50 - 5,000 12 80% - 100% 80% - 100% Business Women, Have business, Low HH Inc, Med HH Inc Credit Educ, Group Mtgs, Credit Ins

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Group Loan GHS 500 - 3,000 4 - 6 80% - 100% 80% - 100% Business Women, Men, Have business Credit Educ, Group Mtgs
Salary Loan GHS 200 - 25,000 1 - 12 40% - 60% 60% - 80% Business, Education Women, Men, Have business, Salaried worker Credit Educ, Business Training
Business Loan GHS 200 - 25,000 1 - 12 40% - 60% 60% - 80% Business Women, Men, Have business Credit Educ, Business Training
Mobile Banking Loan GHS 200 - 25,000 1 - 12 40% - 60% 60% - 80% Business Women, Men, Have business Credit Educ, Business Training

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
Second Cycle Loan 24.9% - 25.3% 26% - 26.7% 27.7% - 29.1% Yes Yes Yes 100
Third Cycle Loan 24.9% - 25.4% 26% - 26.5% 27.6% - 28.2% Yes Yes Yes 100
First Cycle Loan 25% - 25.3% 26% - 26.7% 27.7% - 29.1% Yes Yes Yes 100
Income Generating 1 Year Loan 24.4% - 25.3% 26.4% - 27.4% 28.1% - 29.3% Yes Yes Yes 100

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Second Cycle Loan 25.5% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 26% - 26.7% 27.7% - 29.1% 90
Third Cycle Loan 25.5% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 26% - 26.5% 27.6% - 28.2% 91
First Cycle Loan 25.5% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 26% - 26.7% 27.7% - 29.1% 90
Income Generating 1 Year Loan 25.5% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 26.4% - 27.4% 28.1% - 29.3% 89

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Group Loan 48.00% annual, Flat 2 Fees 0 Ins None 10.00% upfront 103.1% - 106% 123.7% - 127.3% 38
Salary Loan 32.00% annual, Flat 2 Fees 0 Ins None N/A 57.3% - 73.4% 57.3% - 73.4% 47
Business Loan 35.00% annual, Flat 2 Fees 0 Ins None N/A 68.2% - 68.7% 68.2% - 68.7% 51
Mobile Banking Loan 48.00% annual, Flat 2 Fees 0 Ins None 10.00% upfront 104.9% - 107.4% 127.1% - 130.5% 37

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
Second Cycle Loan 24.9% - 25.3% 26% - 26.7% 27.7% - 29.1% Yes Yes Yes 100
Third Cycle Loan 24.9% - 25.4% 26% - 26.5% 27.6% - 28.2% Yes Yes Yes 100
First Cycle Loan 25% - 25.3% 26% - 26.7% 27.7% - 29.1% Yes Yes Yes 100
Income Generating 1 Year Loan 24.4% - 25.3% 26.4% - 27.4% 28.1% - 29.3% Yes Yes Yes 100

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Second Cycle Loan 25.5% annual, Decl Bal 1 Fee 1 Ins Ins 12.36% fees N/A 26% - 26.7% 27.7% - 29.1% 90
Third Cycle Loan 25.5% annual, Decl Bal 1 Fee 1 Ins Ins 12.36% fees N/A 26% - 26.5% 27.6% - 28.2% 91
First Cycle Loan 25.5% annual, Decl Bal 1 Fee 1 Ins Ins 12.36% fees N/A 26% - 26.7% 27.7% - 29.1% 90
Income Generating 1 Year Loan 25.5% annual, Decl Bal 1 Fee 1 Ins Ins 12.36% fees N/A 26.4% - 27.4% 28.1% - 29.3% 89

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Group Loan 48.00% annual, Flat 2 Fees 0 Ins Ins None 10.00% upfront 103.1% - 106% 123.7% - 127.3% 38
Salary Loan 32.00% annual, Flat 2 Fees 0 Ins Ins None N/A 57.3% - 73.4% 57.3% - 73.4% 47
Business Loan 35.00% annual, Flat 2 Fees 0 Ins Ins None N/A 68.2% - 68.7% 68.2% - 68.7% 51
Mobile Banking Loan 48.00% annual, Flat 2 Fees 0 Ins Ins None 10.00% upfront 104.9% - 107.4% 127.1% - 130.5% 37
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Loan Portfolio (USD)
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% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
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