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Institution

Khushhali Bank Limited 4th Floor, 94 west, Jinnah AvenueIslamabad, Federal44000
Data approved: 2015-04-20
Data version: 2
Age of data: 106 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 TypeBank
Is this institution regulated?Yes
Website addresshttp://www.khushhalibank.com.pk
Year established2000
Head of InstitutionMuhammad Ghalib Nishtar
Regions activeAzad Kashmir, Balochistan, Islambad Capital Territory, Khyber Pakhtunkwa, Punjab, Sindh
# Branches118

Total Portfolio (nat'l)PKR 12,225,321,747
Total Portfolio (USD)USD 120,052,659.60
Active clients with loans468,369
Approximate % female clients20% - 40%
Approximate % urban clients0% - 20%
Network affiliationsPakistan Microfinance Network
Funders

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

343,540 Borrowers
USD 79,107,071.05 Portfolio
Active Product
82,054 Borrowers
USD 11,000,790.24 Portfolio
Active Product
37,616 Borrowers
USD 24,892,618.49 Portfolio
Active Product
2,583 Borrowers
USD 2,774,465.35 Portfolio
Active Product
1,197 Borrowers
USD 1,243,785.24 Portfolio
Active Product
314 Borrowers
USD 150,120.70 Portfolio
Low Volume Product
134 Borrowers
USD 121,558.08 Portfolio
Low Volume Product
19 Borrowers
USD 10,168.69 Portfolio
Low Volume Product
213 Borrowers
USD 157,569.75 Portfolio
Low Volume Product
EMI
409 Borrowers
USD 279,344.66 Portfolio
Low Volume Product
18 Borrowers
USD 24,215.22 Portfolio
Low Volume Product
65 Borrowers
USD 68,621.18 Portfolio
Low Volume Product
16 Borrowers
USD 18,341.32 Portfolio
Low Volume Product
74 Borrowers
USD 16,249.51 Portfolio
Low Volume Product
109 Borrowers
USD 210,846.23 Portfolio
Low Volume Product
8 Borrowers
USD 6,849.99 Portfolio
Low Volume Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

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
Khushhali Karza - Bullet (Group Based Lending) PKR 15,000 - 50,000 3 - 12 20% - 40% 0% - 20% Business, Agriculture Women, Men, Have business Group Mtgs, Credit Ins
Khushhali Karza - EMI (Group Based Lending) PKR 15,000 - 50,000 3 - 12 20% - 40% 40% - 60% Business, Agriculture Women, Men, Have business Group Mtgs, Credit Ins
Khushhali Cash Sahulat Gold-Bullet PKR 25,000 - 150,000 3 - 12 0% - 20% 20% - 40% Business Women, Men, Have business Credit Ins
Khushhali Cash Sahulat Land-Bullet PKR 25,000 - 150,000 3 - 12 0% - 20% 0% Business, Agriculture Women, Men, Have business Credit Ins
Sarsabz Karobar Bullet PKR 25,000 - 150,000 3 - 6 0% - 20% 20% - 40% Business, Agriculture Women, Men, Have business Credit Ins

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 » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Khushhali Karza - Bullet (Group Based Lending) 31.0% annual, Decl Bal 1 Fee 0 Ins 16.00% fees N/A 29.6% - 36% 30% - 37.4% 92
Khushhali Karza - EMI (Group Based Lending) 31.0% annual, Decl Bal 1 Fee 0 Ins 16.00% fees N/A 35.5% - 44.3% 36.3% - 46.6% 78
Khushhali Cash Sahulat Gold-Bullet 28.0% annual, Decl Bal 1 Fee 0 Ins 16.00% fees N/A 26.3% - 31% 26.5% - 31.9% 97
Khushhali Cash Sahulat Land-Bullet 25.0% annual, Decl Bal 1 Fee 0 Ins 16.00% fees N/A 23.4% - 28.5% 23.5% - 29.4% 97
Sarsabz Karobar Bullet 25.0% annual, Decl Bal 1 Fee 0 Ins 16.00% fees N/A 24.9% - 29.1% 25.1% - 30% 95

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 » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Khushhali Karza - Bullet (Group Based Lending) 31.0% annual, Decl Bal 1 Fee 0 Ins Ins 16.00% fees N/A 29.6% - 36% 30% - 37.4% 92
Khushhali Karza - EMI (Group Based Lending) 31.0% annual, Decl Bal 1 Fee 0 Ins Ins 16.00% fees N/A 35.5% - 44.3% 36.3% - 46.6% 78
Khushhali Cash Sahulat Gold-Bullet 28.0% annual, Decl Bal 1 Fee 0 Ins Ins 16.00% fees N/A 26.3% - 31% 26.5% - 31.9% 97
Khushhali Cash Sahulat Land-Bullet 25.0% annual, Decl Bal 1 Fee 0 Ins Ins 16.00% fees N/A 23.4% - 28.5% 23.5% - 29.4% 97
Sarsabz Karobar Bullet 25.0% annual, Decl Bal 1 Fee 0 Ins Ins 16.00% fees N/A 24.9% - 29.1% 25.1% - 30% 95

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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