Pricing Structure of Loan Products

The markup rates and processing fee for different loan products with effect from May 9, 2017 are given as under:

For Repeat Customers For Repeat Customers

For Fresh Customers
(2nd Loan Cycle) (3rd & Above Loan Cycle)
Tenor Slabs
Markup Documentation & Markup Documentation & Markup Documentation &
IRR IRR IRR
Rate Processing Fee Rate Processing Fee Rate Processing Fee
FINCA Karobari Karza - Basic
06 Months 25,000 - 150,000 29.00% 48.14% 28.00% 46.53% 27.00% 44.91%
2.50%
12 Months 25,000 - 150,000 28.00% 48.22% (Min Rs. 625 27.00% 46.60% 2.00% 26.00% 44.97% 2.00%
/ Max Rs. 3,750) (Min Rs. 500 (Min Rs. 500
15 Months 25,000 - 150,000 28.00% 48.11% 27.00% 46.52% / Max Rs. 3,000) 26.00% 44.92% / Max Rs. 3,000)
18 Months 25,000 - 150,000 Not Applicable 26.00% 44.67% 25.00% 43.09%
FINCA Karobari Karza - Plus
2.00% or Rs. 5,000/-
150,001 - 300,000 25.00% 43.34%
12 Months (Whichever is Lower) 24.00% 41.70% 23.00% 40.06%
300,001 - 500,000 Not Applicable
2.00% or Rs. 5,000/-
150,001 - 300,000 24.00% 41.50% 2.00% or Rs. 5,000/- 2.00% or Rs. 5,000/-
18 Months (Whichever is Lower) 23.00% 39.90% 22.00% 38.29%
(Whichever is Lower) (Whichever is Lower)
300,001 - 500,000 Not Applicable
2.00% or Rs. 5,000/-
150,001 - 300,000 23.00% 39.34%
24 Months (Whichever is Lower) 22.00% 37.79% 21.00% 36.22%
300,001 - 500,000 Not Applicable
FINCA Izaafi Karza
03 Months 35.65% 35.65%
04 Months 37.81% 37.81%
05 Months 39.16% 39.16%
06 Months 40.05% 40.05%
The loan is for existing customers only who are
07 Months 40.65% 40.65%
7,500 - 75,000 actually repeat customers as per definition 24.00% Rs. 500/- Flat 24.00% Rs. 500/- Flat
08 Months 41.06% 41.06%
approved by BoD.
09 Months 41.34% 41.34%
10 Months 41.52% 41.52%
11 Months 41.64% 41.64%
12 Months 41.70% 41.70%
FINCA Maweshi Karza - Dairy Basic
06 Months 50,000 - 150,000 29.00% 48.14% 28.00% 46.53% 27.00% 44.91%
2.50%
12 Months 50,000 - 150,000 28.00% 48.22% (Min Rs. 1,250 27.00% 46.60% 2.00% 26.00% 44.97% 2.00%
/ Max Rs. 3,750) (Min Rs. 1,000 (Min Rs. 1,000
15 Months 50,000 - 150,000 28.00% 48.11% 27.00% 46.52% / Max Rs. 3,000) 26.00% 44.92% / Max Rs. 3,000)
18 Months 50,000 - 150,000 Not Applicable 26.00% 44.67% 25.00% 43.09%
FINCA Maweshi Karza - Dairy Plus
2.00% or Rs. 5,000/-
150,001 - 300,000 25.00% 43.34%
12 Months (Whichever is Lower) 24.00% 41.70% 23.00% 40.06%
300,001 - 500,000 Not Applicable
2.00% or Rs. 5,000/-
150,001 - 300,000 24.00% 41.50% 2.00% or Rs. 5,000/- 2.00% or Rs. 5,000/-
18 Months (Whichever is Lower) 23.00% 39.90% 22.00% 38.29%
(Whichever is Lower) (Whichever is Lower)
300,001 - 500,000 Not Applicable
2.00% or Rs. 5,000/-
150,001 - 300,000 23.00% 39.34%
24 Months (Whichever is Lower) 22.00% 37.79% 21.00% 36.22%
300,001 - 500,000 Not Applicable
FINCA Sunehari Karza - EMI
06 Months 40.05% 1.50% 40.05% 1.50% 40.05% 1.50%
25,000 - 150,000 24.00% (Min Rs. 375 24.00% (Min Rs. 375 24.00% (Min Rs. 375
12 Months 41.70% / Max Rs. 2,250) 41.70% / Max Rs. 2,250) 41.70% / Max Rs. 2,250)

For Repeat Customers For Repeat Customers

For Fresh Customers
(2nd Loan Cycle) (3rd & Above Loan Cycle)
Tenor Slabs
Documentation & Documentation & Documentation &
Markup Rate Markup Rate Markup Rate
Processing Fee Processing Fee Processing Fee
FINCA Maweshi Karza - Fattening
2.50% 2.00% 2.00%
03 to 12 Months 50,000 - 150,000 33.00% (Min Rs. 1,250 32.00% (Min Rs. 1,000 32.00% (Min Rs. 1,000
/ Max Rs. 3,750) / Max Rs. 3,000) / Max Rs. 3,000)
FINCA Sunehari Karza - Lump Sum
2.50% 2.00% 2.00%
03 to 12 Months 25,000 - 150,000 27.00% (Min Rs. 1,250 27.00% (Min Rs. 1,000 27.00% (Min Rs. 1,000
/ Max Rs. 3,750) / Max Rs. 3,000) / Max Rs. 3,000)
FINCA Kashtkar Karza - Small Farmer

03 to 12 months 2.50% 2.00% 2.00%

(03 to 15 months for 50,000 - 100,000 32.00% (Min Rs. 1,250 31.00% (Min Rs. 1,000 31.00% (Min Rs. 1,000
Sugarcane only) / Max Rs. 3,750) / Max Rs. 3,000) / Max Rs. 3,000)

FINCA Kashtkar Karza - Basic

03 to 12 months 2.50% 2.00% 2.00%

(03 to 15 months for 50,000 - 150,000 32.00% (Min Rs. 1,250 31.00% (Min Rs. 1,000 31.00% (Min Rs. 1,000
Sugarcane only) / Max Rs. 3,750) / Max Rs. 3,000) / Max Rs. 3,000)

FINCA Kashtkar Karza - Plus

03 to 12 months
2.00% or Rs. 5,000/- 2.00% or Rs. 5,000/- 2.00% or Rs. 5,000/-
(03 to 15 months for 150,001 - 500,000 32.00% 31.00% 31.00%
(Whichever is Lower) (Whichever is Lower) (Whichever is Lower)
Sugarcane only)