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Institution

ESAF Microfinance & Investments (P) LTD No 5A 5th FloorPurasawalkamChennai, Tamil Nadu600084
Data approved: 2013-01-10
Data version: 3
Age of data: 79 months

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.emfil.org/
Year established1996
Head of InstitutionK. Paul Thomas
Regions activeChhattisgarh, Kerala, Madhya Pradesh, Maharashtra, Tamil Nadu
# Branches151

Total Portfolio (nat'l)INR 2,301,636,906
Total Portfolio (USD)USD 43,427,111.43
Active clients with loans352,627
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliationsMFIN

Loan Products » Summary

GL
34,589 Borrowers
USD 2,048,910.59 Portfolio
Active Product
IGL
272,854 Borrowers
USD 26,462,628.72 Portfolio
Active Product
1,612 Borrowers
USD 109,380.39 Portfolio
Active Product
1,106 Borrowers
USD 141,045.49 Portfolio
Active Product
44,043 Borrowers
USD 14,738,249.03 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
General Loan INR 5,000 - 8,000 12 80% - 100% 0% - 20% Any Purpose Women, Men, Low HH Inc Credit Educ, Group Mtgs, Business Training
Income Generation Loan INR 8,000 - 15,000 12 80% - 100% 0% - 20% Business Women, Men, Low HH Inc Credit Educ, Group Mtgs, Business Training, Financial education
Jeevandhara INR 3,000 - 12,000 12 - 24 80% - 100% 0% - 20% For installing water connection Women, Men, Low HH Inc Credit Educ, Group Mtgs, Tech Asst Visits
Nirmal INR 6,000 - 12,000 12 - 24 80% - 100% 0% - 20% Sanitation Purposes Women, Men, Low HH Inc, Med HH Inc Credit Educ, Group Mtgs, Tech Asst Visits
Income Generation Loan 2+ INR 16,000 - 30,000 24 80% - 100% 0% - 20% Business Women, Men, Low HH Inc, Med HH Inc Credit Educ, Group Mtgs, 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
General Loan 27% - 27.9% 29.3% - 30.2% 29.6% - 30.5% Yes Yes Yes 95
Income Generation Loan 27% - 27.9% 29.3% - 30.2% 29.6% - 30.5% Yes Yes Yes 95
Jeevandhara 21.5% - 23.6% 23.8% - 25.5% 24.1% - 25.8% Yes Yes Yes 99
Nirmal 22% - 22.2% 23.2% - 23.4% 23.4% - 23.6% Yes Yes Yes 100
Income Generation Loan 2+ 26.7% - 27.2% 28.2% - 28.7% 28.3% - 28.9% Yes Yes Yes 97

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
General Loan 26.0% annual, Decl Bal 1 Fee 0 Ins 12.36% fees N/A 29.3% - 30.2% 29.6% - 30.5% 86
Income Generation Loan 26.0% annual, Decl Bal 1 Fee 0 Ins 12.36% fees N/A 29.3% - 30.2% 29.6% - 30.5% 86
Jeevandhara 22.0% annual, Decl Bal 1 Fee 0 Ins 12.36% fees N/A 23.8% - 25.5% 24.1% - 25.8% 89
Nirmal 22.0%-26.0% annual, Decl Bal 1 Fee 0 Ins 12.36% fees N/A 23.2% - 23.4% 23.4% - 23.6% 93
Income Generation Loan 2+ 26.0% annual, Decl Bal 1 Fee 0 Ins 12.36% fees N/A 28.2% - 28.7% 28.3% - 28.9% 90
Institution Price Graph
Institution # Borrowers Portfolio (US$) Products Age of Data
Adhikar35,3002,674,000179
AMPL00079
Arman41,500529,107,000179
Arohan43,5008,091,000279
ASA INDIA164,00015,380,000179
Asirvad113,50019,328,000179
Asmitha1,114,800217,867,000179
Bandhan4,048,600674,564,000579
Belstar123,00023,945,000258
BSFL275,20031,590,000379
Chaitanya20,7003,748,000379
Disha Microfin69,00014,332,000279
Equitas1,220,000186,415,000479
ESAF354,20043,500,000579
FFSL150,60035,719,000279
Fusion66,8009,820,000279
Grama Vidiyal738,200102,101,000179
Grameen Koota586,60083,555,0001581
Janalakshmi506,000119,077,000279
L & T Finance399,80037,199,000179
MFL331,80049,083,000179
MMFL175,00023,752,000279
Mpower13,6002,263,000279
Sahayata00079
Saija24,7004,682,000279
Samasta45,5004,809,000279
Satin405,60090,174,000279
SCCI115,60015,910,000279
Share2,195,400376,727,000179
SKS3,409,000355,029,000279
SMILE360,20056,927,000179
SNFL9,4001,779,000179
Sonata Finance158,20022,724,000381
Spandana533,400147,240,000279
Suryoday78,60014,713,000379
SVCL118,20018,886,000179
Swadhaar92,80017,166,000379
Trident68,7008,852,000179
Ujjivan913,300160,848,000579
Utkarsh168,60025,915,000379
VFS175,40019,264,000279
Asomi50,3004,743,0002111
AES India3,600286,0001111
Arth2,900611,0002111
Asomi50,3004,743,0002111
Barasat GS1,10099,508.021111
BJS6,000468,0001111
Cashpor417,00050,452,0001110
Credible10,0001,669,540.362111
DIBAKAR1,800145,0001110
GOF65,2005,388,0004110
Hope62,6004,407,0001108
Jaago2,700237,0001109
LOK4,900573,0001110
Nano25,6003,660,0002111
NBSAAVS28,1002,821,0001108
Nirantara8,200917,0002110
Parama7,100482,0001110
Pragathi26,2004,579,0006110
PWMACS36,5005,946,0001110
Saadhana90,90012,046,0002110
Sambhav1,500183,0003110
Seba Rahara6,700468,0001110
SU61,1005,498,0001110
Swayanshree7,900918,0002110
Vikas Samiti1,600168,0001110
Vistaar4,3001,157,0002108
We The People1,100244,0002110
WEMCS1,10085,0001110
Yukti1,10099,0002110
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Key Statistics
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Loan Portfolio (USD)
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