Collateral-free micro credit of ₹10,000 to ₹2,00,000 for women entrepreneurs, small traders, dairy farmers and micro enterprises across the Varanasi region — with terms explained in plain language, before you sign.
Six focused products, each shaped around how the money is actually earned — a shop, a herd, a season, a skill.
Collateral-free credit for groups of 5 to 10 women who guarantee each other, repaid in easy weekly or monthly instalments.
Full detailsFor established micro-entrepreneurs who need a larger single ticket to expand a shop, add machinery or buy inventory in bulk.
Full detailsPurchase of milch cattle, goats or poultry stock, along with shed repair and feed, with repayment aligned to your milk collection cycle.
Full detailsWorking capital for farm-linked livelihoods such as seeds, irrigation, vegetable vending, agri-input trading and post-harvest handling.
Full detailsEntry-level credit for members of mature Self Help Groups, designed for first-time borrowers who are building a formal credit history.
Full detailsSmall-ticket finance for a pucca roof, a toilet, a water connection, wiring or an extra room - the repairs that quietly change daily life.
Full detailsMove the sliders to see exactly what a loan will cost you every month, and in total.
Indicative figures only. Your actual rate and instalment are set out in your sanction letter.
payable every month for the chosen tenure
We are a Varanasi-based microfinance company set up to serve households that formal lenders usually walk past — the vegetable seller, the tailor, the dairy owner, the woman running a shop from her front room. Our model is simple: small tickets, honest pricing, and a field team that comes to you.
Rate, fees, EMI and total repayment are handed to you in a sanction letter and loan card before a rupee moves.
No land, gold or property is pledged, and no agent fee is payable to anyone. Deal only with our identified staff.
Weekly, fortnightly or monthly instalments, aligned to how your trade actually earns.
Four steps, no running around. Our field officer handles the paperwork with you.
Fill the online form, call us, or speak to our field officer at your group meeting.
Submit Aadhaar, PAN and address proof. Our officer visits your home or place of trade.
We hand you the approved amount, rate, tenure, EMI and all charges in writing.
Funds are credited to your bank account and your loan card is issued the same day.
Commitments we hold our own staff to, drawn from our Fair Practices Code.
Loan terms are explained in Hindi or Bhojpuri, out loud, before signature — not buried in a form you cannot read.
Collection happens at decent hours, at your usual place, with courtesy. Coercion, abuse and public shaming are grounds for dismissal.
No processing fee is ever collected in cash by an individual, and no charge is payable before sanction. Report anyone who asks.
KYC documents are used only for credit appraisal and statutory reporting, never sold or shared for marketing.
We assess household cash flow and existing debt so that your total obligation stays within what you can actually repay.
One number, answered during business hours, for questions, complaints and repayment difficulty alike.
Any resident Indian aged between 21 and 58 years with a regular income-generating activity in our operational area in and around Varanasi, Uttar Pradesh. For group loans you must be part of a Joint Liability Group of 5 to 10 members who know each other well.
No. Our microfinance loans are collateral-free. For group loans the mutual guarantee of your group members serves in place of security. We never ask you to pledge land, gold or property for a micro loan.
Once your KYC documents are complete and field verification is done, we aim to communicate a decision within 48 working hours. Disbursement usually follows within 2 to 3 working days of sanction.
Interest is charged on a reducing balance basis, which means you pay interest only on the principal still outstanding. The exact rate applicable to you is stated in your sanction letter and loan card before any amount is disbursed.
A one-time processing fee with applicable GST, plus the actual premium if you choose credit-linked insurance. Every charge is disclosed in writing in your sanction letter. There is no hidden fee, and we never ask for cash payments to an individual staff member.