A Microfinance Loan is a small-ticket loan (usually up to ₹1.25 lakh) offered to low-income individuals, especially in rural and semi-urban areas, to promote entrepreneurship, livelihood, and financial inclusion.
Women entrepreneurs
SHGs (Self-Help Groups)
JLGs (Joint Liability Groups)
Small farmers, traders, artisans, and service providers
+91 92278 25102
Indian citizen aged 18 to 60 years
Annual household income
Rural: ≤ ₹1.6 lakh
Urban/Semi-urban: ≤ ₹3 lakh
Should belong to an underserved or financially excluded category
Preferably a member of an SHG or JLG
Should not have multiple existing loans beyond RBI-permitted thresholds
Starting or expanding a micro/small business
Livelihood improvement (e.g., tailoring, farming, livestock, handicrafts)
Emergency needs (e.g., education, healthcare, repairs)
Setting up small income-generating activities
Individual Loan
Group Loan (SHG/JLG)
₹5,000 – ₹1.25 lakh
₹10,000 – ₹2.50 lakh (shared among members)
12 months
12 to 24 months
18% – 26% p.a. (as per risk profile & RBI guidelines)
1% – 3% of loan amount
Get an approximate figure for the total monthly instalment payments along with a complete break-up of the home loan.
Monthly EMI
*These calculators are provided only as general self-help Planning Tools. Results depend on other factors.
Aadhaar Card (mandatory)Voter ID / PAN / Ration CardMay be waived or assessed through field visit (for informal income)Bank passbook / account statementSHG/JLG group membership document (if applicable)Passport-size photographsReach out to us via field officer, agent, local center, or mobile app
Group Meeting (SHG/JLG) for loan briefing, training & responsibility awareness
Loan Application Submission with required documents
Field Verification by our credit team (home/business visit)
Loan Appraisal & Approval based on income & repayment capacity
Loan Agreement Signing with repayment schedule
Loan Disbursement via bank transfer, cheque, or cash (in special cases)
100% digital records & transparency
Weekly, bi-weekly, or monthly repayment options
Focus on women empowerment and financial inclusion
Quick processing – loans disbursed within 3–7 working days
Dedicated support team for group training & follow-ups
