01
The core group loan
Anjali Aay — Income Generation
For a micro-business that earns the household its income — stock, a sewing machine, a milch animal, seeds for the season.
Loan range
₹5,000 – ₹1,75,000
Tenure
12 – 36 months
NBFC-MFI · RBI microfinance frameworkCIN U51109WB1996PTC080809
Write to usinfo@anjalimfi.com
Kolkata, West BengalOn the register since 1996No. 001
Collateral-free loans for the women who run India's villages.
Anjali lends small, group-guaranteed amounts to low-income households — predominantly women — using the Joint Liability Group model, so a tailoring unit, a dairy, or a corner shop can grow on its own terms.
₹5,000 – ₹1.75 L
the core group loan — priced on reducing balance, no collateral
1996
incorporated at ROC Kolkata
₹9.63 Cr
paid-up capital
6 products
one laddered suite, group to individual
50%
hard cap on repayments vs household income
01Loan ProductsPriced transparently · repaid in small instalments
A ladder of credit that grows with the borrower.
All six products & rates →02
Anjali Turant — Emergency
A quick loan for medical or urgent needs — so a crisis never pushes a family to an informal moneylender.
Loan range
₹3,000 – ₹10,000
Tenure
8 – 12 months
03
Anjali Ghar — Home & WASH
Home extension, a toilet, a water connection — improvements that make a house safer and healthier to live in.
Loan size
Mid ticket
Tenure
1 – 3 years
04
Anjali Unnati — Individual Business
For graduated borrowers with a proven repayment record, ready to grow beyond the group guarantee.
Loan range
₹50,000 – ₹2,50,000
Tenure
12 – 36 months
02How it worksNo collateral · the group is the guarantee
From a group of neighbours to money in the bank — in 3 to 7 working days.
01
Group Formation
4 to 10 women from the same locality self-select into a Joint Liability Group and guarantee one another's loans.
02
Training & Test
Compulsory Group Training covers rules, products and repayment discipline; the branch manager then runs a Group Recognition Test.
03
Underwriting
Full KYC, a household-income assessment and credit-bureau checks — total repayments may never exceed 50% of household income.
04
Cashless Disbursal
The loan reaches the member's bank or UPI account directly, with a loan card and Key Fact Statement in her own language.
03Borrower protectionPer RBI Microfinance Directions, 2022
The rules that protect the borrower come first.
Discipline, not charity. Every loan is underwritten to affordability, disclosed on a one-page factsheet, and recovered with dignity — no coercion, ever.
How we lend responsibly →50%
hard cap — repayments as a share of household income
₹2 lakh
total indebtedness cap per borrower, across all lenders
3
only three permitted charges — interest, processing fee, insurance
0
prepayment penalty — foreclose any loan, any time, free
04From the fieldThe livelihoods microfinance builds
§Governance & Compliance
Regulatory framework
Operates under the RBI (Regulatory Framework for Microfinance Loans) Directions, 2022. CIN U51109WB1996PTC080809 · ROC Kolkata.
Responsible-lending guardrails
Repayments capped at 50% of household income · total indebtedness ≤ ₹2 lakh · maximum 3 lenders per borrower.
Fair practices
Key Fact Statement before every sanction · only three permitted charges · no prepayment penalty, ever.
Credit bureau reporting
Loans reported to all RBI-approved Credit Information Companies, with assessed household income.