A borrower starts on a small group loan and, over successive cycles of good repayment, graduates to larger and eventually individual loans. Every product is priced on a reducing balance and disclosed on a one-page Key Fact Statement.
Core group loan for a micro-business — stock, a sewing machine, a milch animal, seeds and inputs.
Medical or urgent household needs — so a family never has to turn to a moneylender in a crisis.
A bicycle, a smokeless stove, a water purifier, school fees — small loans that improve daily life.
Home extension, a toilet, a water connection — repairs that make a house safer and healthier.
For graduated borrowers with a proven repayment record, ready to move beyond the group guarantee.
Larger, asset-backed credit for established businesses — the only secured product on the ladder.
Before any loan is sanctioned, the borrower receives a one-page Key Fact Statement in her own language — the APR, the total amount repayable, the full repayment schedule and every charge. Only three charges exist: interest, a processing fee, and an optional credit-life insurance premium. Any other deduction is non-compliant and refundable.
Indicative ranges per the board-approved pricing policy, within the RBI ceiling. Any late-payment penalty on other products applies only to the overdue amount — never the whole loan. Your exact rate is disclosed on the Key Fact Statement before sanction.
Our field officers help you pick the right product and instalment — in person, in your language.
Operates under the RBI (Regulatory Framework for Microfinance Loans) Directions, 2022. CIN U51109WB1996PTC080809 · ROC Kolkata.
Repayments capped at 50% of household income · total indebtedness ≤ ₹2 lakh · maximum 3 lenders per borrower.
Key Fact Statement before every sanction · only three permitted charges · no prepayment penalty, ever.
Loans reported to all RBI-approved Credit Information Companies, with assessed household income.
