Grameen Financial Services Pvt. Ltd. (Grameen Koota) - MFTransparency.org Truth In Lending Tables

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Institution

Grameen Financial Services Pvt. Ltd. (Grameen Koota) AvalahaliJP Nagar-9th PhaseBanglore, Karnataka560062

Data approved: 2013-05-14

Data version: 3

Age of data: 134 months

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Institution

Grameen Financial Services Pvt. Ltd. (Grameen Koota) AvalahaliJP Nagar-9th PhaseBanglore, Karnataka560062

Data approved: 2011-03-25

Data version: 1

Age of data: - months

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Institution Details

Institution Type	Non Bank Financial Institution
Is this institution regulated?	Yes
Website address	http://www.gfspl.in/
Year established	1999
Head of Institution	Suresh K. Krishna
Regions active	Karnataka, Maharashtra, Tamil Nadu
# Branches	161

Total Portfolio (nat'l)	INR 5,238,988,264
Total Portfolio (USD)	USD 98,848,835.17
Active clients with loans	592,113
Approximate % female clients	80% - 100%
Approximate % urban clients	20% - 40%
Network affiliations	Sa-dhan, AKMI, MFIN

Institution Details

Institution Type	Private 'For-Profit'
Is this institution regulated?	Yes
Website address	http://www.gfspl.in/
Year established	1999
Head of Institution	Suresh K. Krishna
Regions active	0
# Branches	146

Total Portfolio (nat'l)	INR 3,301,716,632
Total Portfolio (USD)	USD 73,371,480.71
Active clients with loans	352,648
Approximate % female clients	80% - 100%
Approximate % urban clients	20% - 40%
Network affiliations

Loan Products » Summary

Emergency

146,981 Borrowers

USD 1,763,074.96 Portfolio

Active Product

Water Conn

11,223 Borrowers

USD 930,758.17 Portfolio

Active Product

IGL-Pragati

161,167 Borrowers

USD 18,925,320.75 Portfolio

Active Product

IGL-Pragati+

172,656 Borrowers

USD 56,339,632.11 Portfolio

Active Product

Sanitation

19,713 Borrowers

USD 3,173,775.72 Portfolio

Active Product

PureIT

4,971 Borrowers

USD 205,886.92 Portfolio

Active Product

Niwas

356 Borrowers

USD 157,556.98 Portfolio

Active Product

Stove Loan

1,236 Borrowers

USD 24,253.34 Portfolio

Active Product

Swavalamban

8,301 Borrowers

USD 146,243.40 Portfolio

Active Product

Education

22,097 Borrowers

USD 523,435.42 Portfolio

Active Product

Medical

271 Borrowers

USD 8,536.45 Portfolio

Active Product

Festival

16,639 Borrowers

USD 346,955.09 Portfolio

Active Product

Pragati

18,162 Borrowers

USD 1,003,256.47 Portfolio

Active Product

Arogya

2,875 Borrowers

USD 6,914.02 Portfolio

Active Product

Home

0 Borrowers

Portfolio

Low Volume Product

General Loan

Retired Product

Income Generating Loan

Retired Product

Individual Loan

Retired Product

Individual Loan (Offered by "Maarg" Division of GFS)

Retired Product

Siksha Loan

Retired Product

Supplementary Loan

Retired Product

Supplementary Loan 2

Retired Product

Water and Sanitation Loan

Retired Product

Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Summary

Emergency

141,602 Borrowers

USD 1,786,748.33 Portfolio

Active Product

Water Conn

3,527 Borrowers

USD 169,901.98 Portfolio

Active Product

General Loan

330,348 Borrowers

USD 68,553,024.87 Portfolio

Active Product

IGL-Pragati

161,167 Borrowers

USD 22,289,822.22 Portfolio

Active Product

IGL-Pragati+

8,394 Borrowers

USD 416,351.80 Portfolio

Active Product

Income Generating Loan

330,348 Borrowers

USD 68,553,024.87 Portfolio

Active Product

Individual Loan

2,684 Borrowers

USD 913,616.38 Portfolio

Active Product

Individual Loan (Offered by "Maarg" Division of GFS)

2,684 Borrowers

USD 913,616.38 Portfolio

Active Product

Sanitation

5,260 Borrowers

USD 600,135 Portfolio

Active Product

Siksha Loan

10 Borrowers

USD 1,777.78 Portfolio

Active Product

Supplementary Loan

37,317 Borrowers

USD 2,105,257.11 Portfolio

Active Product

Supplementary Loan 2

37,317 Borrowers

USD 2,105,257.11 Portfolio

Active Product

Water and Sanitation Loan

77 Borrowers

USD 11,525.33 Portfolio

Active Product

Loan Products » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility	Other Services
Emergency Loan	INR 1,000 - 1,000	2.56 - 2.79	100%	20% - 40%	Any Purpose	Women, Low HH Inc, Med HH Inc, Member should have running IGL Pragati or IGL Pragati Plus or Water or Sanitation loan	Credit Educ, Group Mtgs, Jagruthi- Client Education Series, Socio-Economic Development Workshop
Water Connection Loan	INR 5,000 - 5,000	12.1 - 24.19	100%	20% - 40%	Housing, For taking water connection	Women, Have home or land, Low HH Inc, Med HH Inc	Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Jagruthi- Client Education Series, Socio-Economic Development Workshop
IGL-Pragati	INR 5,000 - 15,000	12	80% - 100%	0% - 20%	Business	Women
IGL-Pragati Plus	INR 15,000 - 25,000	24 - 24.19	100%	20% - 40%	Business	Women, Low HH Inc, Med HH Inc	Credit Educ, Group Mtgs, Credit Ins, Jagruthi- Client Education Series, Socio-Economic Development Workshop
Sanitation Loan	INR 7,000 - 10,000	24 - 24.19	100%	20% - 40%	Housing, For construction of toilets	Women, Low HH Inc, Med HH Inc, Proof of ownership of the house where sanitation structure is to be erected must be provided. House ownership can be in the name of member or spouse or member's father/mother/father-in-law/mother-in-law.	Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Jagruthi- Client Education Series, Socio-Economic Development Workshop
Water Loan-PureIT	INR 2,950 - 2,950	12 - 12.1	100%	20% - 40%	Consumer, To Purchase Water Purifier	Women, Low HH Inc, Med HH Inc	Credit Educ, Group Mtgs, Credit Ins, Jagruthi- Client Education Series, Socio-Economic Development Workshop
Grameen Niwas	INR 1,000 - 25,000	24.19 - 48.37	100%	20% - 40%	Housing	Women, Have home or land, Low HH Inc, Med HH Inc, All active members applying for this loan should have successfully completed 2 loan cycles of IGL Pragati/Pragati Plus loan.	Credit Educ, Group Mtgs, Credit Ins, Jagruthi- Client Education Series, Socio-Economic Development Workshop
GGI Cook Stove Loan	INR 1,250 - 1,250	5.6	100%	20% - 40%	Consumer	Women, Low HH Inc, Med HH Inc	Credit Educ, Group Mtgs, Jagruthi- Client Education Series, Socio-Economic Development Workshop
Swavalamban Loan	INR 1,000 - 1,000	2.56 - 2.79	100%	20% - 40%	For Pension fund Investment for future saving	Women, Low HH Inc, Med HH Inc, Member must have running IGL Pragati/ Pragati Plus / Water or Sanitation loans	Credit Educ, Group Mtgs, Jagruthi- Client Education Series, Socio-Economic Development Workshop
Education Loan	INR 5,000 - 5,000	11.63 - 12.1	100%	20% - 40%	Education	Women, Low HH Inc, Med HH Inc, The member must have availed IGL-Pragati at least once.New members eligible after 6 months from the date of becoming the member	Credit Educ, Group Mtgs, Credit Ins, Jagruthi- Client Education Series, Socio-Economic Development Workshop
Medical Loan	INR 500 - 2,000	5.58 - 5.6	100%	0% - 20%	Other, For meeting medical expenses	Women, Low HH Inc, Med HH Inc	Credit Educ, Group Mtgs, Credit Ins, Jagruthi- Client Education Series, Socio-Economic Development Workshop
Festival Loan	INR 2,000 - 2,000	5.6	100%	20% - 40%	Consumer, Other, To meet the expenses of the festival	Women, Low HH Inc, Med HH Inc	Credit Educ, Group Mtgs, Credit Ins, Jagruthi- Client Education Series, Socio-Economic Development Workshop
Pragati Supplement	INR 5,000 - 5,000	5.58	100%	40% - 60%	Business	Women, Low HH Inc, Med HH Inc, This loan can be availed after 25 weeks of prompt repayment of Pragati/Pragati plus loan installments and should have at least 12 weeks of remaining repayment period, IGL-Pragati/Pragati Plus borrowers	Credit Educ, Group Mtgs, Credit Ins, Jagruthi- Client Education Series, Socio-Economic Development Workshop
Arogya Loan	INR 500 - 1,000	2.56 - 2.79	100%	20% - 40%	Other	Women, Low HH Inc, Med HH Inc, Member must have running IGL Pragati/ Pragati Plus / Water or Sanitation loans., The member who opts for healthcare services under SNDPAP scheme is eligible for the loan.	Credit Educ, Group Mtgs, Jagruthi- Client Education Series, Socio-Economic Development Workshop

Loan Products » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility	Other Services
Emergency Loan	INR 500 - 1,000	2.5	80% - 100%	20% - 40%	Business, Housing, Consumer, Education, Other	Women	Credit Educ, Group Mtgs, Business Training
Water Connection Loan	INR 5,000 - 5,000	24	80% - 100%	0% - 20%	Housing, For taking water connection	Women, Have home or land	Credit Educ, Group Mtgs, Credit Ins, Business Training
General Loan	INR 2,000 - 30,000	11.5	80% - 100%	20% - 40%	Business, From 4th loan cycle allowed for Welfae activities	Women	Credit Educ, Group Mtgs, Credit Ins, Business Training
IGL-Pragati	INR 5,000 - 15,000	12	80% - 100%	0% - 20%	Business	Women
IGL-Pragati Plus	INR 16,000 - 25,000	24	80% - 100%	0% - 20%	Business	Women
Income Generating Loan	INR 2,000 - 30,000	11.5	80% - 100%	20% - 40%	Business, Housing, Consumer, Education, Other, From 4th loan cycle the loan can be utilised for w	Women	Credit Educ, Group Mtgs, Credit Ins, Business Training
Individual Loan	INR 20,000 - 50,000	3 - 9	20% - 40%	80% - 100%	Business	Women, Men, Have business	Credit Educ
Individual Loan (Offered by "Maarg" Division of GFS)	INR 20,000 - 50,000	3 - 9	20% - 40%	80% - 100%	Business	Women, Men, Have business	Credit Educ
Sanitation Loan	INR 7,000 - 10,000	24	80% - 100%	0% - 20%	Housing, For construction of toilets	Women, Have home or land	Group Mtgs, Business Training
Siksha Loan	INR 10,000 - 15,000	3 - 6	0% - 20%	80% - 100%	Education	Women, Men	Credit Educ, Group Mtgs
Supplementary Loan	INR 2,000 - 4,000	6	80% - 100%	20% - 40%	Business	Women	Credit Educ, Group Mtgs, Business Training
Supplementary Loan 2	INR 2,000 - 4,000	6	80% - 100%	20% - 40%	Business	Women	Credit Educ, Group Mtgs, Business Training
Water and Sanitation Loan	INR 7,000 - 7,000	23.2	80% - 100%	0% - 20%	Housing	Women, Have home or land	Credit Educ, Group Mtgs, Credit Ins

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
Emergency Loan	24.5% - 34%	32.9% - 45.6%	33.9% - 47.1%	Yes	Yes	NA	89
Water Connection Loan	22.1%	24.2%	27.6%	Yes	Yes	Yes	100
IGL-Pragati	26% - 26.1%	28% - 28.2%	36.4% - 45.1%	Yes	Yes	Yes	100
IGL-Pragati Plus	26%	27.1%	31.5%	Yes	Yes	Yes	100
Sanitation Loan	22%	23.1%	26.6%	Yes	Yes	Yes	100
Water Loan-PureIT	24%	26.1%	27.4%	Yes	Yes	Yes	100
Grameen Niwas	21.8% - 22%	22.9% - 23.1%	24% - 24.3%	Yes	Yes	Yes	100
GGI Cook Stove Loan	24.2%	28.3%	28.9%	Yes	Yes	NA	99
Swavalamban Loan	24.5%	32.9%	33.9%	Yes	Yes	NA	98
Education Loan	22.1%	24.2%	27.6%	Yes	Yes	Yes	100
Medical Loan	22.2%	26.4%	33.4%	Yes	Yes	Yes	99
Festival Loan	22.2%	26.4%	33.4%	Yes	Yes	Yes	99
Pragati Supplement	26%	30.1%	37.1%	Yes	Yes	Yes	100
Arogya Loan	22.6% - 22.9%	30.9% - 31.1%	31.9% - 32.1%	Yes	Yes	NA	97

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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
Emergency Loan	24.0% annual, Decl Bal	1 Fee	0 Ins	12.36% fees	N/A	32.9% - 45.6%	33.9% - 47.1%	64
Water Connection Loan	22.0% annual, Decl Bal	1 Fee	1 Ins	12.36% fees	N/A	24.2%	27.6%	80
IGL-Pragati	26.0% annual, Decl Bal	1 Fee	1 Ins	12.36% fees	N/A	28% - 28.2%	36.4% - 45.1%	64
IGL-Pragati Plus	26.0% annual, Decl Bal	1 Fee	1 Ins	12.36% fees	N/A	27.1%	31.5%	83
Sanitation Loan	22.0% annual, Decl Bal	1 Fee	1 Ins	12.36% fees	N/A	23.1%	26.6%	83
Water Loan-PureIT	24.0% annual, Decl Bal	1 Fee	1 Ins	12.36% fees	N/A	26.1%	27.4%	87
Grameen Niwas	22.0% annual, Decl Bal	1 Fee	1 Ins	12.36% fees	N/A	22.9% - 23.1%	24% - 24.3%	91
GGI Cook Stove Loan	24.0% annual, Decl Bal	1 Fee	0 Ins	12.36% fees	N/A	28.3%	28.9%	83
Swavalamban Loan	24.0% annual, Decl Bal	1 Fee	0 Ins	12.36% fees	N/A	32.9%	33.9%	71
Education Loan	22.0% annual, Decl Bal	1 Fee	1 Ins	12.36% fees	N/A	24.2%	27.6%	80
Medical Loan	22.0% annual, Decl Bal	1 Fee	1 Ins	12.36% fees	N/A	26.4%	33.4%	66
Festival Loan	22.0% annual, Decl Bal	1 Fee	1 Ins	12.36% fees	N/A	26.4%	33.4%	66
Pragati Supplement	26.0% annual, Decl Bal	1 Fee	1 Ins	12.36% fees	N/A	30.1%	37.1%	70
Arogya Loan	22.0% annual, Decl Bal	1 Fee	0 Ins	12.36% fees	N/A	30.9% - 31.1%	31.9% - 32.1%	69

Loan Products » MFIN India Additional Information

Product Name	APR (int)	MFIN MFI Earning (Annualised)	MFIN Cost to Borrower (Annualised)	MFIN Transparency Index
Emergency Loan	0%	29.1%	30.1%	N/A
Water Connection Loan	0%	22.2%	23.1%	N/A
General Loan	28.4%	28.4% - 30.8%	30.1% - 41.4%	N/A
IGL-Pragati	0%	27.9% - 28.2%	29.9% - 32.4%	N/A
IGL-Pragati Plus	0%	26.2% - 27.1%	27.6% - 28.1%	N/A
Income Generating Loan	0%	0%	0%	N/A
Individual Loan	0%	41.3% - 41.4%	42.7% - 44.1%	N/A
Individual Loan (Offered by "Maarg" Division of GFS)	0%	0%	0%	N/A
Sanitation Loan	0%	22.2%	22.9% - 23.3%	N/A
Siksha Loan	0%	30.5% - 31.8%	30.5% - 31.8%	N/A
Supplementary Loan	0%	36.3% - 36.4%	36.3% - 36.4%	N/A
Supplementary Loan 2	0%	0%	0%	N/A
Water and Sanitation Loan	0%	22.8%	23.8%	N/A

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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
Emergency Loan	0.0% annual, Decl Bal	0 Fees	0 Ins	None	N/A	29.1%	30.1%	0
Water Connection Loan	21.0% annual, Decl Bal	1 Fee	0 Ins	None	N/A	22.2%	23.1%	91
General Loan	24.0% annual, Decl Bal	2 Fees	0 Ins	None	N/A	28.4% - 30.8%	30.1% - 41.4%	N/A
IGL-Pragati	26.0% annual, Decl Bal	1 Fee	1 Ins	None	N/A	27.9% - 28.2%	29.9% - 32.4%	83
IGL-Pragati Plus	26.0% annual, Decl Bal	1 Fee	0 Ins	None	N/A	26.2% - 27.1%	27.6% - 28.1%	93
Income Generating Loan	24.0% annual, Decl Bal	1 Fee	0 Ins	None	N/A	0%	0%	N/A
Individual Loan	28.3% annual, Decl Bal	0 Fees	0 Ins	None	N/A	41.3% - 41.4%	42.7% - 44.1%	70
Individual Loan (Offered by "Maarg" Division of GFS)	28.3% annual, Decl Bal	0 Fees	0 Ins	None	N/A	0%	0%	N/A
Sanitation Loan	21.0% annual, Decl Bal	1 Fee	0 Ins	None	N/A	22.2%	22.9% - 23.3%	91
Siksha Loan	28.3% annual, Decl Bal	1 Fee	0 Ins	None	N/A	30.5% - 31.8%	30.5% - 31.8%	91
Supplementary Loan	23.6% annual, Decl Bal	1 Fee	0 Ins	None	N/A	36.3% - 36.4%	36.3% - 36.4%	65
Supplementary Loan 2	23.6% annual, Decl Bal	0 Fees	0 Ins	None	N/A	0%	0%	N/A
Water and Sanitation Loan	20.0% annual, Decl Bal	1 Fee	0 Ins	None	N/A	22.8%	23.8%	N/A

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
Emergency Loan	24.5% - 34%	32.9% - 45.6%	33.9% - 47.1%	Yes	Yes	NA	89
Water Connection Loan	22.1%	24.2%	27.6%	Yes	Yes	Yes	100
IGL-Pragati	26% - 26.1%	28% - 28.2%	36.4% - 45.1%	Yes	Yes	Yes	100
IGL-Pragati Plus	26%	27.1%	31.5%	Yes	Yes	Yes	100
Sanitation Loan	22%	23.1%	26.6%	Yes	Yes	Yes	100
Water Loan-PureIT	24%	26.1%	27.4%	Yes	Yes	Yes	100
Grameen Niwas	21.8% - 22%	22.9% - 23.1%	24% - 24.3%	Yes	Yes	Yes	100
GGI Cook Stove Loan	24.2%	28.3%	28.9%	Yes	Yes	NA	99
Swavalamban Loan	24.5%	32.9%	33.9%	Yes	Yes	NA	98
Education Loan	22.1%	24.2%	27.6%	Yes	Yes	Yes	100
Medical Loan	22.2%	26.4%	33.4%	Yes	Yes	Yes	99
Festival Loan	22.2%	26.4%	33.4%	Yes	Yes	Yes	99
Pragati Supplement	26%	30.1%	37.1%	Yes	Yes	Yes	100
Arogya Loan	22.6% - 22.9%	30.9% - 31.1%	31.9% - 32.1%	Yes	Yes	NA	97

*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
Emergency Loan	24.0% annual, Decl Bal	1 Fee	0 Ins Ins	12.36% fees	N/A	32.9% - 45.6%	33.9% - 47.1%	64
Water Connection Loan	22.0% annual, Decl Bal	1 Fee	1 Ins Ins	12.36% fees	N/A	24.2%	27.6%	80
IGL-Pragati	26.0% annual, Decl Bal	1 Fee	1 Ins Ins	12.36% fees	N/A	28% - 28.2%	36.4% - 45.1%	64
IGL-Pragati Plus	26.0% annual, Decl Bal	1 Fee	1 Ins Ins	12.36% fees	N/A	27.1%	31.5%	83
Sanitation Loan	22.0% annual, Decl Bal	1 Fee	1 Ins Ins	12.36% fees	N/A	23.1%	26.6%	83
Water Loan-PureIT	24.0% annual, Decl Bal	1 Fee	1 Ins Ins	12.36% fees	N/A	26.1%	27.4%	87
Grameen Niwas	22.0% annual, Decl Bal	1 Fee	1 Ins Ins	12.36% fees	N/A	22.9% - 23.1%	24% - 24.3%	91
GGI Cook Stove Loan	24.0% annual, Decl Bal	1 Fee	0 Ins Ins	12.36% fees	N/A	28.3%	28.9%	83
Swavalamban Loan	24.0% annual, Decl Bal	1 Fee	0 Ins Ins	12.36% fees	N/A	32.9%	33.9%	71
Education Loan	22.0% annual, Decl Bal	1 Fee	1 Ins Ins	12.36% fees	N/A	24.2%	27.6%	80
Medical Loan	22.0% annual, Decl Bal	1 Fee	1 Ins Ins	12.36% fees	N/A	26.4%	33.4%	66
Festival Loan	22.0% annual, Decl Bal	1 Fee	1 Ins Ins	12.36% fees	N/A	26.4%	33.4%	66
Pragati Supplement	26.0% annual, Decl Bal	1 Fee	1 Ins Ins	12.36% fees	N/A	30.1%	37.1%	70
Arogya Loan	22.0% annual, Decl Bal	1 Fee	0 Ins Ins	12.36% fees	N/A	30.9% - 31.1%	31.9% - 32.1%	69

Loan Products » MFIN India Additional Information

Product Name	APR (int)	MFIN MFI Earning (Annualised)	MFIN Cost to Borrower (Annualised)	MFIN Transparency Index
Emergency Loan	0%	29.1%	30.1%	N/A
Water Connection Loan	0%	22.2%	23.1%	N/A
General Loan	28.4%	28.4% - 30.8%	30.1% - 41.4%	N/A
IGL-Pragati	0%	27.9% - 28.2%	29.9% - 32.4%	N/A
IGL-Pragati Plus	0%	26.2% - 27.1%	27.6% - 28.1%	N/A
Income Generating Loan	0%	0%	0%	N/A
Individual Loan	0%	41.3% - 41.4%	42.7% - 44.1%	N/A
Individual Loan (Offered by "Maarg" Division of GFS)	0%	0%	0%	N/A
Sanitation Loan	0%	22.2%	22.9% - 23.3%	N/A
Siksha Loan	0%	30.5% - 31.8%	30.5% - 31.8%	N/A
Supplementary Loan	0%	36.3% - 36.4%	36.3% - 36.4%	N/A
Supplementary Loan 2	0%	0%	0%	N/A
Water and Sanitation Loan	0%	22.8%	23.8%	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
Emergency Loan	0.0% annual, Decl Bal	0 Fees	0 Ins Ins	None	N/A	29.1%	30.1%	0
Water Connection Loan	21.0% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	22.2%	23.1%	91
General Loan	24.0% annual, Decl Bal	2 Fees	0 Ins Ins	None	N/A	28.4% - 30.8%	30.1% - 41.4%	N/A
IGL-Pragati	26.0% annual, Decl Bal	1 Fee	1 Ins Ins	None	N/A	27.9% - 28.2%	29.9% - 32.4%	83
IGL-Pragati Plus	26.0% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	26.2% - 27.1%	27.6% - 28.1%	93
Income Generating Loan	24.0% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	0%	0%	N/A
Individual Loan	28.3% annual, Decl Bal	0 Fees	0 Ins Ins	None	N/A	41.3% - 41.4%	42.7% - 44.1%	70
Individual Loan (Offered by "Maarg" Division of GFS)	28.3% annual, Decl Bal	0 Fees	0 Ins Ins	None	N/A	0%	0%	N/A
Sanitation Loan	21.0% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	22.2%	22.9% - 23.3%	91
Siksha Loan	28.3% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	30.5% - 31.8%	30.5% - 31.8%	91
Supplementary Loan	23.6% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	36.3% - 36.4%	36.3% - 36.4%	65
Supplementary Loan 2	23.6% annual, Decl Bal	0 Fees	0 Ins Ins	None	N/A	0%	0%	N/A
Water and Sanitation Loan	20.0% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	22.8%	23.8%	N/A

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Key Statistics
# Samples:
# Products
# Institutions
# Countries
# Borrowers
Loan Portfolio (USD)
% Products using declining balance
% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits

	X Axis
	Greater than:
	Less or equal to:
N (# of Samples)
Total Borrrowers of Samples


Avg
Min
Max
Std Dev

By Inst Type


By Country

	X Axis
	Greater than:
	Less or equal to:
	From 0 to
	to
	to
	to ∞

Institution

Institution

Institution Details

Institution Details

Loan Products » Summary

Loan Products » Summary

Loan Products » Conditions

Loan Products » Conditions

Loan Products » MFIN India Additional Information

Loan Products » Pricing Information

Loan Products » MFIN India Additional Information

Loan Products » Pricing Information

Loan Products » MFIN India Additional Information

Loan Products » Pricing Information

Loan Products » MFIN India Additional Information

Loan Products » Pricing Information

Institution Price Graph

Institution Price Graph

Total Borrowers of Samples

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