Institution # Borrowers Portfolio (US$) Products Age of Data
1st Valley Bank38,90048,291,0003153
AJDFI13,100884,0006153
ARDCI44,6009,403,0001153
ASA Philippines333,40029,282,0001153
ASHI35,4005,231,0006153
ASKI60,00015,247,0004153
Bangko Kabayan8,9002,373,0002153
BSEI60073,0002153
CBI8,1002,010,0005153
CCT70,3009,504,0004153
CEV35,4005,111,0004153
DSPI59,3003,676,0003153
ECLOF5,4001,836,0004153
FCB12,0002,392,0002153
FMB2,700710,0002153
GM Bank23,5001,553,0003153
HSPFI19,1001,899,0002153
JVOFI1,300281,0001153
Katipunan Bank42,1005,325,0002153
KDCI20,5002,095,0003153
KGI32,3003,421,0004153
KMBI245,00015,098,0001153
LTMPC37,4008,935,0003153
Mallig Plains6,500641,0002153
MILAMDEC29,8003,278,0002153
MWIMPC11,8001,740,0004152
NWTF105,50012,698,0005153
OFMPC4,400964,0001153
PBC50,70010,434,0004153
PCSD700167,0001153
PMPC23,5005,565,0008153
RB Angeles9001,502,0002153
RB Labason500289,0001153
RBLI5,2001,026,0002153
RBMI11,9001,750,0002153
RMB100173,0001153
RSPI39,6002,834,0004153
SAFRAGEMC1,100229,0001153
Salve10,9001,191,0003153
SEDP27,0003,914,0003153
TSKI212,90025,187,0002153
TSPI264,50031,290,0007153
Valient1,700672,0002153
  2. BSFL
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Institution

Bhartiya Samruddhi Finance Limited Ascent Tower, Muncipal No.8-2-596/c/2 to c/5Road No 10, Banjara Hills.Hyderabad, Andhra Pradesh500034
Data approved: 2011-07-18
Data version: 1
Age of data: -   months 
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Product

Samruddhi Micro Enterprise (NFS) Loan Product 3 of 3 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (INR)INR 5,471,351,540
Portfolio (USD)USD 121,585,590
Active Clients with Loans610,796
Approximate % Female Clients40% - 60%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity groupx
Village banking
Self help group
Other
Description
To meet the cost for small and petty enterprises.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
OtherFor establishment cost,fixed cost,working capital
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age group
Household income <60,000 INR
Household income <120,000 INR
Must live in rural area
Must lives in urban area
OtherJoint Liability Group
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyINR
Minimum loan sizeINR 10,000
Maximum loan size30,000
Loan Term and Grace Period
Shortest loan term23.0 months
Longest loan term24.0 months
Approx average24.0 months
Distribution at Disbursement (Est.)
Loans 3 months or lessN/A
Between 4 and 6 monthsN/A
Between 7 and 9 monthsN/A
Between 10 and 12 monthsN/A
Between 13 and 18 monthsN/A
Longer than 18 monthsN/A
Grace Period
Grace period usage100%
Average grace period1.0 month
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest24.00%
Highest quoted nominal interest24.00%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?N/A
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionLoan Processing Fee
% of loan amount - min3.50%
% of loan amount - max3.50%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?No
Ongoing Fees
Fee 1
DescriptionICR--NEED TO BE CLARIFIED
% of loan amount - min1.00%
% of loan amount - max2.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forNever
CriteriaN/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 depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

Samruddhi Micro Enterprise (NFS) Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountINR 30,000INR 30,000INR 40,000INR 40,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2011-03-162011-03-142011-03-162011-03-16
Loan Term (Months)19.0 months19.0 months16.0 months16.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot Known
True Price by Comp       
Interest and Fee Component25.1%25.1%25.4%25.4%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)25.1%25.1%25.4%25.4%
MFIN MFI Earning (Annualised)25.1%25.1%25.4%25.4%
MFIN Cost to Borrower (Annualised)25.1%25.1%25.4%25.4%
Transparency Index95969595
MFIN Transparency IndexN/AN/AN/AN/A
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
* The APR stated here is an MFTransparency term, definition and formula
Samruddhi Micro Enterprise (NFS) Loan Price Graphs


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% Products with one or more insurances
% Products with compulsory deposits
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