General Loan
The core loan with monthly/quarterly repayments made at center meetings — a group of (generally) five members transacting together. Eligibility requires completing the compulsory group training and passing the group recognition test.
| Product Details / Terms |
|---|
| Up to Rs. 1,00,000 (group guarantee) — max 2 years — 1.3% service charge — 14.38% p.a. — Monthly/Quarterly |
| Up to Rs. 7,00,000 (group guarantee) — max 7 years — 1.3% service charge — 14.38% p.a. — Monthly/Quarterly |
| Up to Rs. 25,000 (family guarantee) — max 1 year — 1.3% service charge — 14.38% p.a. — Monthly/Quarterly |
Agriculture Loan
For seasonal opportunities — purchasing and selling agricultural products and animals. Available to clients who completed one General Loan cycle with good repayment performance.
| Product Details / Terms |
|---|
| Seasonal Loan — up to Rs. 40,000 — 1 year — 1.3% — 14.38% — Monthly/Quarterly |
| Tube-well Loan — up to Rs. 40,000 — 2 years — 1.3% — 14.38% — Monthly/Quarterly |
| Irrigation Loan — up to Rs. 40,000 — 2 years — 1.3% — 14.38% — Monthly/Quarterly |
| Irrigation Loan (collateral) — up to Rs. 5,00,000 — 2 years — 1.3% — 14.38% — Monthly/Quarterly |
| Dairy Loan (collateral) — up to Rs. 5,00,000 — 2 years — 1.3% — 14.38% — Monthly/Quarterly |
| Dairy Loan (non-collateral) — up to Rs. 2,00,000 — 2 years — 1.3% — 14.38% — Monthly/Quarterly |
| Farm Equipment (non-collateral) — up to Rs. 1,50,000 — 3 years — 1.3% — 14.38% — Quarterly |
| Farm Equipment (collateral) — up to Rs. 5,00,000 — 3 years — 1.3% — 14.38% — Quarterly |
Housing Loan
For construction, repair, homestead purchase and sanitation. Requires strong credit discipline in previous years, improved economic condition, and at least 20% equity contribution (10% cash + 10% in-kind).
| Product Details / Terms |
|---|
| House construction — up to Rs. 3,00,000 — 7 years — 1.3% — 14.38% — Monthly |
| House repair — up to Rs. 40,000 — 2 years — 1.3% — 14.38% — Monthly |
| Homestead purchase — up to Rs. 3,00,000 — 7 years — 1.3% — 14.38% — Monthly |
| Toilet/Latrine — up to Rs. 40,000 — 2 years — 1.3% — 14.38% — Monthly |
Foreign Employment Loan
For a family member of the client going abroad for employment. Collateral-based; offered to clients with good General Loan repayment history.
| Product Details / Terms |
|---|
| Up to Rs. 3,00,000 (Rs. 5,00,000 for female) — up to 5 years — 1.3% — 14.38% — Monthly/Quarterly |
Microenterprise Loan
For graduates of collateral-free loans able to operate a micro-enterprise. Requires collateral, 20% equity contribution and strong credit discipline.
| Product Details / Terms |
|---|
| Individual Loan — up to Rs. 15,00,000 — up to 10 years — 1.3% — 14.38% — Monthly/Quarterly |
| Micro Enterprise Loan — up to Rs. 15,00,000 — up to 10 years — 1.3% — 14.38% — Monthly/Quarterly |
Energy Loan
For bio-gas, solar and improved cooking installations — with or without collateral, up to Rs. 1,00,000, 2–5 year terms at 14.38%, monthly repayment. Purposes include gobar gas, solar, improved cooking stove, panighatta and solar lamp/generator.
Education Loan
For clients' children pursuing technical and vocational education. Collateral-based — up to Rs. 2,00,000 for up to 3 years at 14.38%, monthly/quarterly repayment.
Emergency Loan
For clients affected by natural calamities — up to Rs. 40,000 for up to 2 years at a reduced 10% per annum, monthly/quarterly repayment.
Mobile Loan
So every member can use the Digital Passbook app — loan, savings and center meeting details on a smartphone. Up to Rs. 20,000 for 1 year at 14.38%.
Business Rehabilitation Loan
Working capital for existing clients whose businesses were disrupted — up to Rs. 1,00,000 for a maximum of 1.5 years at 14.38%.
Business Expansion Loan
For proven, profitable member businesses ready to grow — equipment, staff, new locations. Up to Rs. 5,00,000 for a maximum of 5 years at 14.38%.
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How to Become a Member
1. Visit your nearest branch → 2. Complete the 7-day group training → 3. Pass the group recognition test → 4. Access loans & savings
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