Institution

SWAWS Credit Corporation India Private Limited C2 Pooja Plaza, Vikrampuri ColonyKharkhanaSecunderabad, Andhra Pradesh500003
Data approved: 2013-05-14
Data version: 2
Age of data: 131 months

Institution

Utkarsh Micro Finance Pvt. Ltd. S-2/639-56, Varuna Vihar ColonyNear J Mehta Inter Collect Cantt.Varanasi, Uttar Pradesh221002
Data approved: 2013-02-20
Data version: 2
Age of data: 131 months

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.sccimicrofinance.com/
Year established1995
Head of InstitutionMrs. R.Girija
Regions activeAndhra Pradesh, Karnataka, Maharashtra, Orissa, Tamil Nadu
# Branches83

Total Portfolio (nat'l)INR 892,862,262
Total Portfolio (USD)USD 16,846,457.77
Active clients with loans121,066
Approximate % female clients100%
Approximate % urban clients60% - 80%
Network affiliationsMFIN, SA-DHAN

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.utkarshmfi.com/
Year established1990
Head of InstitutionGovind Singh
Regions activeBihar, Madhya Pradesh
# Branches92

Total Portfolio (nat'l)INR 1,374,101,555
Total Portfolio (USD)USD 25,926,444.43
Active clients with loans168,691
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliations

Loan Products » Summary

21,038 Borrowers
USD 3,072,558.17 Portfolio
Active Product
94,660 Borrowers
USD 12,837,959.98 Portfolio
Active Product
Retired Product

Loan Products » Summary

154,956 Borrowers
USD 21,403,926.92 Portfolio
Active Product
13,584 Borrowers
USD 4,397,416.42 Portfolio
Active Product
151 Borrowers
USD 113,779.58 Portfolio
Active Product
Retired Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Fortnightly Loan INR 5,000 - 30,000 12 - 24 100% 60% - 80% Business, Education Women, Have business, Low HH Inc, Med HH Inc, 3 Out of 5 members should have own house in a group, Age should be above 18 and upto 58 Credit Educ, Group Mtgs, Credit Ins, Business Training
Weekly JLG INR 5,000 - 30,000 12 - 24 100% 80% - 100% Business, Education Women, Have business, Low HH Inc, Med HH Inc, 3 out of 5 members should have own house, Age should be above 18 and upto 58 Credit Educ, Group Mtgs, Credit Ins, Business Training, Product Linkages

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Utkarsh Pragati INR 6,000 - 15,000 12 - 14 100% 0% - 20% Business Women, Have business, Specific age group, Low HH Inc, Med HH Inc, Rural HH, Urban HH, Client age must be between 21 to 55. Credit Educ, Group Mtgs, Tech Asst Visits
Utkarsh Kiran INR 18,000 - 25,000 24 100% 0% - 20% Business Women, Have business, Specific age group, Low HH Inc, Med HH Inc, Rural HH, Urban HH, Client age must be between 21 to 55. Credit Educ, Group Mtgs, Tech Asst Visits
Utkarsh Samridhi INR 25,000 - 300,000 6 - 36 0% - 20% 100% Business Women, Men, Have business, Have home or land, Must have atleast 3 years of experience in existing business. 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
Fortnightly Loan 26.8% - 27.3% 29.1% - 29.6% 30.9% - 31.5% Yes Yes Yes 93
Weekly JLG 25.8% - 26.6% 28% - 28.8% 29.8% - 30.6% Yes Yes Yes 96

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Fortnightly Loan 25.0%-26.7% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 29.1% - 29.6% 30.9% - 31.5% 80
Weekly JLG 25.0%-26.7% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 28% - 28.8% 29.8% - 30.6% 83

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
Utkarsh Pragati 25.6% - 25.9% 27.3% - 27.5% 29.4% - 29.6% Yes Yes Yes 100
Utkarsh Kiran 25.8% - 26.1% 26.8% - 27.1% 28% - 28.3% Yes Yes Yes 100
Utkarsh Samridhi 28.8% 30.4% 32.6% NA NA NA 100

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Utkarsh Pragati 25.9% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 27.3% - 27.5% 29.4% - 29.6% 88
Utkarsh Kiran 25.9% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 26.8% - 27.1% 28% - 28.3% 92
Utkarsh Samridhi 29.0% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 30.4% 32.6% 89

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
Fortnightly Loan 26.8% - 27.3% 29.1% - 29.6% 30.9% - 31.5% Yes Yes Yes 93
Weekly JLG 25.8% - 26.6% 28% - 28.8% 29.8% - 30.6% Yes Yes Yes 96

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Fortnightly Loan 25.0%-26.7% annual, Decl Bal 1 Fee 1 Ins Ins 12.36% fees N/A 29.1% - 29.6% 30.9% - 31.5% 80
Weekly JLG 25.0%-26.7% annual, Decl Bal 1 Fee 1 Ins Ins 12.36% fees N/A 28% - 28.8% 29.8% - 30.6% 83

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
Utkarsh Pragati 25.6% - 25.9% 27.3% - 27.5% 29.4% - 29.6% Yes Yes Yes 100
Utkarsh Kiran 25.8% - 26.1% 26.8% - 27.1% 28% - 28.3% Yes Yes Yes 100
Utkarsh Samridhi 28.8% 30.4% 32.6% NA NA NA 100

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Utkarsh Pragati 25.9% annual, Decl Bal 1 Fee 1 Ins Ins 12.36% fees N/A 27.3% - 27.5% 29.4% - 29.6% 88
Utkarsh Kiran 25.9% annual, Decl Bal 1 Fee 1 Ins Ins 12.36% fees N/A 26.8% - 27.1% 28% - 28.3% 92
Utkarsh Samridhi 29.0% annual, Decl Bal 1 Fee 1 Ins Ins 12.36% fees N/A 30.4% 32.6% 89
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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
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Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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