Loan Conditions

Loan Amount

Currency	INR
Minimum loan size	INR 6,000
Maximum loan size	26,000

Loan Term and Grace Period

Shortest loan term	12.0 months
Longest loan term	24.0 months
Approx average	0

Distribution at Disbursement (Est.)

Loans 3 months or less	N/A
Between 4 and 6 months	N/A
Between 7 and 9 months	N/A
Between 10 and 12 months	N/A
Between 13 and 18 months	N/A
Longer than 18 months	N/A

Grace Period

Grace period usage	0
Average grace period	0

Repayment Frequency

Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly	x
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount

Currency	GHS
Minimum loan size	GHS 400
Maximum loan size	15,000

Distribution at Disbursement (Est.)

Loans less than GHS 1,000	40%
GHS 1,000-5,000	30%
GHS 5,000-7,500	10%
GHS 7,500-10,000	15%
GHS 10,000-13,000	5%
Greater than GHS 13,000	5%

Loan Term and Grace Period

Shortest loan term	4.0 months
Longest loan term	24.0 months
Approx average	14.0 months

Distribution at Disbursement (Est.)

Loans 3 months or less	0
Between 4 and 6 months	15%
Between 7 and 9 months	40%
Between 10 and 12 months	40%
Between 13 and 18 months	5%
Longer than 18 months	0

Grace Period

Grace period usage	100%
Average grace period	1.0 month

Repayment Frequency

Daily
Weekly
Every 2 weeks	x
Every 4 weeks
Monthly	x
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments	x

Pricing Information

Interest

Upfront Fees

	Fee 1
Description	Processing Fees: 1.1% of loan amount(including service tax, which is 0.1% of loan amount)
% of loan amount - min	1.10%
% of loan amount - max	1.10%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation
Appears on Repayment Sched?	No

Ongoing Fees

This product has no ongoing fees

Upfront Insurance Fees

	Ins 1
Description	Insurance Fee: 4.37 per Rs. 1000 per year (no admin charges)
% of loan amount - min	0.44%
% of loan amount - max	0.44%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation
Appears on Repayment Sched?	No

Ongoing Insurance Fees

This product has no ongoing insurance fees

Compulsory Deposit

Required for	Never
Criteria	N/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 deposited	N/A
or, Fixed-amount deposited	N/A

Deposits DURING period payments

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A
Conditions on access to deposit	N/A

Interest Paid on Deposit

Minimum interest rate paid	N/A
Maximum interest rate paid	N/A
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?

No

Additional Comments

FEES: At the time of disbursement we collect:\rProcessing Fee: 1% of loan amount (excluding service tax)\r\rInsurance Fee: 4.37 per Rs. 1 per year (no admin charges)\r\rINSTALLMENT SCHEDULE: Processing Fees and Insurance Fees are not included in the repayment schedule as it is a system generated schedule. Details for these fees are included in the receipts given to the client at the time of disbursement.

Pricing Information

Interest

Upfront Fees

	Fee 1
Description	Processing Fee
% of loan amount - min	4.00%
% of loan amount - max	4.00%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation	N/A
Appears on Repayment Sched?	Yes

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 for	All
Criteria	N/A
Is deposit indicated on the repayment schedule?	Yes
Do borrowers control deposit in their group?	No

Deposit BEFORE or AT Disbursement

% loan amount deposited	15.00% - 30.00%
or, Fixed-amount deposited	0

Deposits DURING period payments

% loan amount deposited	0
or, Fixed-amount deposited	0
Conditions on access to deposit	End Term

Interest Paid on Deposit

Minimum interest rate paid	0
Maximum interest rate paid	0
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?

No

Additional Comments

Compuslory deposit - if the client is purchasing a tractor then deposit requirement is 30% deposit. If loan is smaller in size, e.g. for purchasing equipment or seedlings then deposit requirement is 15-20%.

Swahit - Individual Loan with Joint Liability Price Graphs

Agriculture Loan Price Graphs