Panchyajanya At A Glance

Sl. No.

Particulars

As on 31.03.2014

1

No. of states

1

2

No. of Districts

04

3

No. of Branches

03

4

No. of total Member

1129

5

No. of active clients

545

6

No. of  loan officer

3

7

No. total staff

6

8

Portfolio Rs in Lakhs

16.9

9

Reypayment Rate(%)

100.00%

 

Loan Product and Features

Product Features

Primary Loan

Loan Duration- 1 Year

Range- Rs. 3000.00 to Rs. 7000.00

Incremental Loan in the next cycle

Rs. 1000.00 to Rs. 3000.00

Interest Rate

15.00% (In flat interest method)

Processing fees

1.0%

Insurance Charge per 1000.00/-

0.5%

No. of Installment

38

Moratorium Period

1 week

Grace Period

2 weeks

Loan tenure

52 weks

Processing Time

Maximum 2 weeks

Penalty/ Late repayment fees

No penalty charged



Capital Structure (as on 31.03.2014)

Sl. No.

Source of Fund

Amount (Provisional)

1

Corpus Fund :

Capital Fund as per last year

Add : Surplus

                                                            Total : 

                Unsecured Loan :    

                Advance from Gen. Secretary :                                                                                                                         

 

Rs. 11,00,688.00

Rs.  4,45,957.00

Rs. 15,46,645.00

Rs.   2,50,000.00

Rs.   1,00,449.00

 

                                                      Grand  Total :

Rs. 18,97,094.00