Indicative terms. Your final amount, rate and tenure are decided on appraisal and stated in your sanction letter.
| Loan Product | Loan Amount | Tenure | Interest Rate | Collateral | |
|---|---|---|---|---|---|
| Joint Liability Group (JLG) Loan | ₹15,000 to ₹75,000 | 12 to 24 months | 22% to 26% p.a. (reducing balance) | Nil | Details |
| Individual Micro Business Loan | ₹50,000 to ₹2,00,000 | 12 to 36 months | 20% to 24% p.a. (reducing balance) | Nil | Details |
| Dairy & Livestock Loan | ₹25,000 to ₹1,50,000 | 18 to 36 months | 21% to 25% p.a. (reducing balance) | Nil | Details |
| Agri-Allied Activity Loan | ₹20,000 to ₹1,00,000 | 12 to 24 months | 21% to 25% p.a. (reducing balance) | Nil | Details |
| Women SHG Livelihood Loan | ₹10,000 to ₹50,000 | 12 to 18 months | 22% to 26% p.a. (reducing balance) | Nil | Details |
| Home Improvement & Sanitation Loan | ₹25,000 to ₹1,25,000 | 18 to 36 months | 20% to 24% p.a. (reducing balance) | Nil | Details |
Collateral-free credit for groups of 5 to 10 women who guarantee each other, repaid in easy weekly or monthly instalments.
For established micro-entrepreneurs who need a larger single ticket to expand a shop, add machinery or buy inventory in bulk.
Purchase of milch cattle, goats or poultry stock, along with shed repair and feed, with repayment aligned to your milk collection cycle.
Working capital for farm-linked livelihoods such as seeds, irrigation, vegetable vending, agri-input trading and post-harvest handling.
Entry-level credit for members of mature Self Help Groups, designed for first-time borrowers who are building a formal credit history.
Small-ticket finance for a pucca roof, a toilet, a water connection, wiring or an extra room - the repairs that quietly change daily life.
| Processing fee | Up to 2% of the sanctioned amount + GST, deducted at disbursement |
| Documentation charge | As stated in the sanction letter, if applicable |
| Credit-linked insurance | Actual premium, only if you opt in |
| Delayed payment charge | As stated in the sanction letter |
| Prepayment / foreclosure | Permitted; charges, if any, disclosed upfront |
| Any fee before sanction | Never payable |
Every applicable charge is set out in your sanction letter and loan card. If a figure is not written there, it is not payable.