Our reach as on February 2010
- States - 15
- Branches - 1,050
- Members - 24,18,727
- Staffs - 6,637
- Loan disbursed for the month -
Rs. 295crores - Loan outstanding - Rs. 1,386 crores
States & Branches over the last 3 years
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Products & Services
| No | Loan Product | Loan Amount | Tenure/Repayment frequency | Interest |
|---|---|---|---|---|
| 1 | Suchana (Micro Loan) |
Rs. 1,000.00 - Rs. 20,000.00
Subsequent increase- upto Rs. 5,000.00 |
12 months, weekly installments |
12.50%flat (Effective ROI 23.56%)*
15% flat (Effective ROI 28.10%)* |
| 2 | Srishti (Micro Enterprise Loan) |
Rs. 25,000.00 - Rs. 50,000.00
Subsequent increase- upto Rs.10,000.00 |
12 months, weekly installments | 12.50%flat (Effective ROI 23.56%)* |
| 3 | Samriddhi |
Rs. 80,000.00 - Rs. 3,00,000.00
Subsequent increase- upto Rs. 10,000.00 |
12 months/18 months, monthly installments | 12.5% flat (Effective ROI 22.32%) |
| 4 | Suraksha (Micro Health Loan) |
Rs. 1,000.00 - Rs. 5,000.00 | 12 months, either monthly or weekly installments |
10% flat
(Effective ROI Monthly -17.97%; Weekly 18.97%) |
* 12.50% flat is charged in West Bengal and states in north east and 15% is charged in the other parts of the country
Other Guidelines
- Loans are sanctioned for supporting and enabling the members for undertaking Income Generating activities.
- Both husband and wife are covered under insurance.
- No penalty in case of default.
- No prepayment charges.