2. Grama Vidiyal
Please note that the information you are viewing is 139 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Grama Vidiyal Microfinance Limited 2A Sathiya Illam,10th cross, Alli street,Annamalai NagarTrichy, Tamil Nadu620018
Data approved: 2013-05-06
Data version: 2
Age of data: 139 months
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Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.gvmfl.com/
Year established1986
Head of InstitutionMr.S.Devaraj, Chairman and Managing Director
Regions activeMadhya Pradesh, Maharashtra, Tamil Nadu, Puducherry
# Branches285

Total Portfolio (nat'l)INR 5,411,394,265
Total Portfolio (USD)USD 102,101,778.60
Active clients with loans738,218
Approximate % female clients80% - 100%
Approximate % urban clients20% - 40%
Network affiliationsMFIN, Sadhan, MIX

Loan Products » Summary

IGL
738,218 Borrowers
USD 102,101,778.60 Portfolio
Active Product
Business Loan
Retired Product
Seasonal Loan
Retired Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
General Loan INR 10,000 - 15,000 6 - 12 100% 20% - 40% Business Women 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
General Loan 23.3% - 23.7% 25.4% - 27.9% 27.5% - 31.4% Yes Yes Yes 100
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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 1 Ins 12.36% fees N/A 25.4% - 27.9% 27.5% - 31.4% 87
Institution Price Graph
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  2. AccessBank
Please note that the information you are viewing is 176 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

AccessBank Closed Joint-Stock Company B. Seferoglu Street, 176BakuAZ1000
Data approved: 2010-05-24
Data version: 1
Age of data: -   months 
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Product

Micro agricultural loan (USD) Product 4 of 4 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (USD)USD 9,451,727
Portfolio (USD)USD 9,451,727
Active Clients with Loans2,102
Approximate % Female Clients0% - 20%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Target group: borrowers engaged in agriculture. Grace periods are available as well as flexible repayment schedules. A wide range of collateral (should be combined). Loans can be disbursed both in local and foreign currency.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age group
OtherBorrowers receiving income from agricultural business
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 100
Maximum loan size20,000
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term36.0 months
Approx average14.0 months
Grace Period
Grace period usage50%
Average grace period3.0 months
Repayment Frequency
Daily
Weekly
Every 2 weeksx
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest2.25%
Highest quoted nominal interest2.75%
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?N/A
Is rate fixed for entire loan termN/A
Upfront Fees
Fee 1
Description
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min5
Fixed amount - max200
Reason for variation
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

Micro agricultural loan (USD) samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountUSD 300USD 500USD 800USD 1,000USD 1,500USD 2,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2011-09-052010-03-312011-09-052010-04-212011-09-052010-02-08
Loan Term (Months)12.0 months12.0 months12.0 months12.0 months12.0 months18.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp           
Interest and Fee Component36.4%37.7%36.4%37.6%36.4%36.4%
Insurance Component0.0%0.0%0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component8.2%0.0%-49.2%0.0%8.2%0.0%
Full APR (int fee ins tax dep)44.6%37.7%-12.8%37.6%44.6%36.4%
Transparency Index6172-210726174
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
Micro agricultural loan (USD) Price Graphs


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