2. Ujjivan
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. Union RB
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

Institution

Ujjivan Financial Services Private Limited #93, Jakkasandra ExtensionSarjapur Main Cross Road, Koramangala 1st BlockBangalore, Karnataka56003
Data approved: 2010-10-25
Data version: 1
Age of data: -   months 
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Institution

Union Rural Bank Limited Head OfficeSenya Bereku, Central RegionP.O. Box 5
Data approved: 2013-02-26
Data version: 2
Age of data: 132 months
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Institution Details

Institution TypePrivate 'For-Profit'
Is this institution regulated?N/A
Website addresshttp://www.ujjivan.com/
Year established2005
Head of InstitutionSamit Ghosh
Regions active0
# Branches303

Total Portfolio (nat'l)INR 5,128,997,735
Total Portfolio (USD)USD 113,977,727.40
Active clients with loans665,778
Approximate % female clients80% - 100%
Approximate % urban clients80% - 100%
Network affiliationsAssociation of Karnataka Microfinance Inst (AKMI), Sa-Dhan, Microfinance Insitutions Network (MFIN), Women's World Banking

Institution Details

Institution TypeRurBank
Is this institution regulated?Yes
Website addressN/A
Year established1999
Head of InstitutionPaul Kojo Kombian
Regions activeGreater Accra Region, Central Region
# Branches7

Total Portfolio (nat'l)GHS 4,652,554
Total Portfolio (USD)USD 2,361,702.54
Active clients with loans3,831
Approximate % female clients60% - 80%
Approximate % urban clients40% - 60%
Network affiliationsARB APEX, GHAMFIN, Freedom from Hunger
FundersOikoCredit, SPEED Ghana, ARB APEX Bank

Loan Products » Summary

Business
1,779,253 Borrowers
USD 98,518,778 Portfolio
Active Product
Education
15,770 Borrowers
USD 545,976 Portfolio
Active Product
Emergency
191,591 Borrowers
USD 94,071 Portfolio
Active Product
Family
420,037 Borrowers
USD 26,949,155 Portfolio
Active Product

Loan Products » Summary

Group
1,367 Borrowers
USD 187,932.49 Portfolio
Active Product
Salary
1,889 Borrowers
USD 1,777,637.90 Portfolio
Active Product
Business
435 Borrowers
USD 300,171.28 Portfolio
Active Product
Mobile
140 Borrowers
USD 95,960.87 Portfolio
Active Product
Personal Loan
Retired Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Business Loan INR 6,000 - 25,000 12 - 18 80% - 100% 80% - 100% Business Women, Have business, Can also be taken for spouses/son's business Credit Educ, Group Mtgs
Education Loan INR 3,000 - 10,000 12 80% - 100% 80% - 100% Education, Can only be used for education Women Credit Educ, Group Mtgs
Emergency Loan INR 2,000 - 2,000 6 80% - 100% 80% - 100% Other, Only for emergency use, Can NOT be used for business Women Group Mtgs
Family Loan INR 6,000 - 25,000 12 80% - 100% 80% - 100% Housing, Consumer, Education, Other Women Credit Educ, Group Mtgs

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Group Loan GHS 500 - 3,000 4 - 6 80% - 100% 80% - 100% Business Women, Men, Have business Credit Educ, Group Mtgs
Salary Loan GHS 200 - 25,000 1 - 12 40% - 60% 60% - 80% Business, Education Women, Men, Have business, Salaried worker Credit Educ, Business Training
Business Loan GHS 200 - 25,000 1 - 12 40% - 60% 60% - 80% Business Women, Men, Have business Credit Educ, Business Training
Mobile Banking Loan GHS 200 - 25,000 1 - 12 40% - 60% 60% - 80% Business Women, Men, Have business Credit Educ, 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
Business Loan 0% 27.2% 29.6% N/A
Education Loan 0% 24.1% 24.8% N/A
Emergency Loan 0% 23.8% 23.8% N/A
Family Loan 0% 27.2% 29.6% 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
Business Loan 26.0% annual, Decl Bal 1 Fee 0 Ins None N/A 27.2% 29.6% 88
Education Loan 23.0% annual, Decl Bal 1 Fee 1 Ins None N/A 24.1% 24.8% 93
Emergency Loan 25.0% annual, Decl Bal 0 Fees 0 Ins None N/A 23.8% 23.8% 100
Family Loan 26.0% annual, Decl Bal 1 Fee 1 Ins None N/A 27.2% 29.6% 88

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Group Loan 48.00% annual, Flat 2 Fees 0 Ins None 10.00% upfront 103.1% - 106% 123.7% - 127.3% 38
Salary Loan 32.00% annual, Flat 2 Fees 0 Ins None N/A 57.3% - 73.4% 57.3% - 73.4% 47
Business Loan 35.00% annual, Flat 2 Fees 0 Ins None N/A 68.2% - 68.7% 68.2% - 68.7% 51
Mobile Banking Loan 48.00% annual, Flat 2 Fees 0 Ins None 10.00% upfront 104.9% - 107.4% 127.1% - 130.5% 37

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
Business Loan 0% 27.2% 29.6% N/A
Education Loan 0% 24.1% 24.8% N/A
Emergency Loan 0% 23.8% 23.8% N/A
Family Loan 0% 27.2% 29.6% 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
Business Loan 26.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 27.2% 29.6% 88
Education Loan 23.0% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 24.1% 24.8% 93
Emergency Loan 25.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 23.8% 23.8% 100
Family Loan 26.0% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 27.2% 29.6% 88

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Group Loan 48.00% annual, Flat 2 Fees 0 Ins Ins None 10.00% upfront 103.1% - 106% 123.7% - 127.3% 38
Salary Loan 32.00% annual, Flat 2 Fees 0 Ins Ins None N/A 57.3% - 73.4% 57.3% - 73.4% 47
Business Loan 35.00% annual, Flat 2 Fees 0 Ins Ins None N/A 68.2% - 68.7% 68.2% - 68.7% 51
Mobile Banking Loan 48.00% annual, Flat 2 Fees 0 Ins Ins None 10.00% upfront 104.9% - 107.4% 127.1% - 130.5% 37
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