2. Janalakshmi
Please note that the information you are viewing is 132 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. SRSO
Please note that the information you are viewing is 107 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Janalakshmi Financial Services (P) Ltd. Rajashree Saroja Plaza, 34/1, Andree Road,ShanthinagarBangalore, Karnataka560027
Data approved: 2013-05-03
Data version: 2
Age of data: 132 months
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Institution

Sindh Rural Support Organization SRSO Complex, Near Taj Petroleum Pump, Shikarpur Road, SukkurSukkur, Sindh65200
Data approved: 2015-04-30
Data version: 2
Age of data: 107 months
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Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.janalakshmi.com/
Year established2006
Head of InstitutionVS Radhakrishnan
Regions activeGujarat, Haryana, Karnataka, Madhya Pradesh, MaharashtraPunjab, Tamil Nadu, Uttar Pradesh, National Capital Territory of Delhi
# Branches66

Total Portfolio (nat'l)INR 6,311,118,034
Total Portfolio (USD)USD 119,077,698.80
Active clients with loans506,075
Approximate % female clients80% - 100%
Approximate % urban clients80% - 100%
Network affiliationsMFIN, AKMI

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addresshttp://www.srso.org.pk
Year established2003
Head of InstitutionMr. Mohammad Dital Kalhoro
Regions activeSindh
# Branches50

Total Portfolio (nat'l)PKR 791,787,630
Total Portfolio (USD)USD 7,775,354.53
Active clients with loans51,175
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliationsRural Support Programmes Network, National Rural Support Programme, Pakistan Microfinance Network
FundersGovernment of Sindh, Pakistan Poverty Alleviation Fund, First Women Bank

Loan Products » Summary

Education
161 Borrowers
USD 37,515.45 Portfolio
Active Product
Small Group
505,914 Borrowers
USD 119,040,183.30 Portfolio
Active Product

Loan Products » Summary

Agri Inputs
25,349 Borrowers
USD 4,498,830.06 Portfolio
Active Product
Livestock
6,106 Borrowers
USD 910,653.86 Portfolio
Active Product
Enterprise
19,720 Borrowers
USD 2,365,870.61 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Education Loan INR 5,000 - 20,000 12 - 24 60% - 80% 60% - 80% Education Women, Men, Must have children who are studying until the age of 24 yrs. Credit Educ
Small Group Loan INR 5,000 - 50,000 12 - 24 100% 100% Business, Housing, Consumer, Education, Other Women, Group members must live within each other's vicinity., Must demonstrate capacity to repay. Credit Educ, Group Mtgs, Credit Ins

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agri- Inputs PKR 10,000 - 35,000 4 - 8 80% 0% Business, Agriculture Women Group Mtgs, Tech Asst Visits, Business Training, Other Training
Livestock PKR 10,000 - 25,000 6 - 9 80% - 100% 0% Business Women Group Mtgs, Tech Asst Visits, Business Training, Other Training
Enterprise PKR 10,000 - 50,000 12 80% - 100% 100% Business Women Group Mtgs, Tech Asst Visits, Business Training, Other 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
Education Loan 27.5% - 28% 33% - 33.9% 40.4% - 41.8% NA NA NA 86
Small Group Loan 27.9% - 29.6% 28.9% - 31.5% 30.4% - 33.4% Yes Yes Yes 92
*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
Education Loan 24.0% annual, Decl Bal 2 Fees 0 Ins 12.36% fees 10.0% upfront 33% - 33.9% 40.4% - 41.8% 58
Small Group Loan 26.0% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 28.9% - 31.5% 30.4% - 33.4% 83

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agri- Inputs 28.0% annual, Decl Bal 2 Fees 1 Ins None N/A 28.9% - 35.6% 29.7% - 38.8% 84
Livestock 28.0% annual, Decl Bal 1 Fee 1 Ins None N/A 30.1% - 35.6% 31.4% - 38.8% 82
Enterprise 20.0% annual, Flat 1 Fee 1 Ins None N/A 20.8% - 24.9% 21.2% - 26.6% 87

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
Education Loan 27.5% - 28% 33% - 33.9% 40.4% - 41.8% NA NA NA 86
Small Group Loan 27.9% - 29.6% 28.9% - 31.5% 30.4% - 33.4% Yes Yes Yes 92
*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
Education Loan 24.0% annual, Decl Bal 2 Fees 0 Ins Ins 12.36% fees 10.0% upfront 33% - 33.9% 40.4% - 41.8% 58
Small Group Loan 26.0% annual, Decl Bal 1 Fee 1 Ins Ins 12.36% fees N/A 28.9% - 31.5% 30.4% - 33.4% 83

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agri- Inputs 28.0% annual, Decl Bal 2 Fees 1 Ins Ins None N/A 28.9% - 35.6% 29.7% - 38.8% 84
Livestock 28.0% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 30.1% - 35.6% 31.4% - 38.8% 82
Enterprise 20.0% annual, Flat 1 Fee 1 Ins Ins None N/A 20.8% - 24.9% 21.2% - 26.6% 87
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