Institution

Vistaar Livelihood Financial services Private Limited No 9,37th Main 3rd Cross. KAS officers layoutBTM 2nd StageBangalore, karnataka560076
Data approved: 2011-01-23
Data version: 1
Age of data: 161 months

Institution

Ujjivan Financial Services Private Limited #93, Jakkasandra ExtensionSarjapur Main Cross Road, Koramangala 1st BlockBangalore, KarnatakaPO Box 56003
Data approved: 2012-12-18
Data version: 2
Age of data: 131 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addressN/A
Year established1991
Head of InstitutionBrahmanand Hegde
Regions active
# Branches13

Total Portfolio (nat'l)INR 130,679,313
Total Portfolio (USD)USD 2,465,647.42
Active clients with loans11,673
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliations

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.ujjivan.com/
Year established2005
Head of InstitutionSamit Ghosh
Regions activeAssam, Bihar, Goa, Gujarat, HaryanaJharkhand, Karnataka, Kerala, Maharashtra, Meghalaya, OrissaPunjab, Rajasthan, Tamil Nadu, Uttar Pradesh, Uttarakhand, West Bengal, Chandigarh, National Capital Territory of Delhi, Puducherry
# Branches298

Total Portfolio (nat'l)INR 8,831,317,978
Total Portfolio (USD)USD 166,628,641.10
Active clients with loans918,610
Approximate % female clients80% - 100%
Approximate % urban clients80% - 100%
Network affiliationsAssociation of Karnataka Microfinance Inst (AKMI), Sa-Dhan, MFIN, Women's World Banking

Loan Products » Summary

713 Borrowers
USD 267,179.37 Portfolio
Active Product
3,661 Borrowers
USD 890,127.95 Portfolio
Active Product

Loan Products » Summary

688,874 Borrowers
USD 119,564,143.30 Portfolio
Active Product
5,676 Borrowers
USD 417,294.23 Portfolio
Active Product
112 Borrowers
USD 1,935.47 Portfolio
Active Product
212,667 Borrowers
USD 38,401,142.19 Portfolio
Active Product
5,991 Borrowers
USD 2,464,108.25 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
High Ticket livelihood Group Loan Product INR 18,750 - 24,750 18 - 24 80% - 100% 0% - 20% Business, Housing, Education Women, Have business, Have home or land Group Mtgs
Standard Ticket Loan INR 12,850 - 15,250 18 80% - 100% 0% - 20% Business, Housing, Education Women, Have business, Have home or land, Min 2 members per group to have own house or shop

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Business Loan INR 6,000 - 50,000 12 - 24 80% - 100% 80% - 100% Business Women, Have business, Med HH Inc, Can be used for spouses/son's business Credit Educ, Group Mtgs, Credit Ins, Financial Literacy Training, Life Insurance
Education Loan INR 5,000 - 15,000 12 80% - 100% 80% - 100% Education Women, Med HH Inc Credit Educ, Group Mtgs, Credit Ins, Financial literacy training, Scholarships by Parinaam Foundation for deserving students.
Emergency Loan INR 2,000 - 2,000 6 80% - 100% 80% - 100% Other, Emergency use only Women, Med HH Inc Group Mtgs
Family Loan INR 6,000 - 35,000 12 - 24 80% - 100% 80% - 100% Housing, Consumer, Education, Other Women, Med HH Inc Credit Educ, Group Mtgs, Credit Ins, Financial Literacy training, Life Insurance
Livestock Loan INR 15,000 - 35,000 24 80% - 100% 0% - 20% Business Women, Med HH Inc 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
High Ticket livelihood Group Loan Product 0% 29.4% - 30.1% 30.8% - 31.8% N/A
Standard Ticket Loan 0% 30.2% - 30.3% 31% - 32.1% N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
High Ticket livelihood Group Loan Product 27.0% annual, Decl Bal 1 Fee 1 Ins None N/A 29.4% - 30.1% 30.8% - 31.8% 87
Standard Ticket Loan 27.0% annual, Decl Bal 1 Fee 1 Ins None N/A 30.2% - 30.3% 31% - 32.1% 85

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 23.7% 25.1% - 25.5% 26.7% - 28.2% Yes Yes Yes 100
Education Loan 23.3% - 23.8% 25% - 25.7% 26.3% - 28.3% Yes Yes Yes 100
Emergency Loan 23.3% - 24.4% 23.3% - 24.4% 23.3% - 24.4% Yes Yes Yes 100
Family Loan 23.7% - 24.8% 25.1% - 26.7% 26.7% - 29.3% Yes Yes Yes 100
Livestock Loan 25% - 26.9% 26% - 27.9% 32.4% - 34.9% Yes Yes Yes 93

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Business Loan 24.0%-25.0% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 25.1% - 25.5% 26.7% - 28.2% 87
Education Loan 24.0%-25.0% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 25% - 25.7% 26.3% - 28.3% 87
Emergency Loan 24.0%-25.0% annual, Decl Bal 0 Fees 0 Ins None N/A 23.3% - 24.4% 23.3% - 24.4% 100
Family Loan 24.0%-25.0% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 25.1% - 26.7% 26.7% - 29.3% 86
Livestock Loan 24.0% annual, Decl Bal 1 Fee 2 Ins 12.36% fees N/A 26% - 27.9% 32.4% - 34.9% 72

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
High Ticket livelihood Group Loan Product 0% 29.4% - 30.1% 30.8% - 31.8% N/A
Standard Ticket Loan 0% 30.2% - 30.3% 31% - 32.1% N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
High Ticket livelihood Group Loan Product 27.0% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 29.4% - 30.1% 30.8% - 31.8% 87
Standard Ticket Loan 27.0% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 30.2% - 30.3% 31% - 32.1% 85

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 23.7% 25.1% - 25.5% 26.7% - 28.2% Yes Yes Yes 100
Education Loan 23.3% - 23.8% 25% - 25.7% 26.3% - 28.3% Yes Yes Yes 100
Emergency Loan 23.3% - 24.4% 23.3% - 24.4% 23.3% - 24.4% Yes Yes Yes 100
Family Loan 23.7% - 24.8% 25.1% - 26.7% 26.7% - 29.3% Yes Yes Yes 100
Livestock Loan 25% - 26.9% 26% - 27.9% 32.4% - 34.9% Yes Yes Yes 93

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Business Loan 24.0%-25.0% annual, Decl Bal 1 Fee 1 Ins Ins 12.36% fees N/A 25.1% - 25.5% 26.7% - 28.2% 87
Education Loan 24.0%-25.0% annual, Decl Bal 1 Fee 1 Ins Ins 12.36% fees N/A 25% - 25.7% 26.3% - 28.3% 87
Emergency Loan 24.0%-25.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 23.3% - 24.4% 23.3% - 24.4% 100
Family Loan 24.0%-25.0% annual, Decl Bal 1 Fee 1 Ins Ins 12.36% fees N/A 25.1% - 26.7% 26.7% - 29.3% 86
Livestock Loan 24.0% annual, Decl Bal 1 Fee 2 Ins Ins 12.36% fees N/A 26% - 27.9% 32.4% - 34.9% 72
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Loan Portfolio (USD)
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% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
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