Empowering Rural Futures with Dignified Financial Services
We bring doorstep financial services to underserved micro-entrepreneurs and women through Joint Liability Groups (JLGs), automated micro-savings, and credit-linked crop protection.
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Instant installment estimateThe Three Pillars of Our Microfinance Platform
Beyond traditional lending, Samridhi provides a holistic ecosystem designed to finance, safeguard, and grow rural and semi-urban livelihoods.
1. Microcredit
Accessible small-ticket working capital. Supports both Individual Micro-Enterprise Loans for shopkeepers and Joint Liability Group (JLG) loans where community women cross-guarantee each other's success.
- Income Generation Loans (Weekly JLG)
- Micro-Enterprise Loans for Retail Shops
- Seasonal Agriculture & Crop Financing
2. Micro-Savings
Secure digital ledger tracking voluntary and compulsory savings deposits. Essential for Self-Help Groups (SHGs) to build internal collective capital, with automated interest calculation and passbooks.
- Compulsory SHG Group Reserves
- Flexible Voluntary Savings (Up to 5.25% p.a.)
- Instant Doorstep Center Passbook Updates
3. Micro-Insurance
Integrated credit-linked insurance products shielding borrowers from unforeseen economic shocks, health crises, or crop failures, preserving household stability and preventing debt traps.
- Credit-Life Family Loan Protection
- Parametric Rainfall & Crop Yield Coverage
- Dairy Cattle & Livestock Protection
How Joint Liability Groups (JLGs) Unlock Zero-Collateral Credit
In rural communities where formal land deeds and high credit scores are scarce, the JLG model uses social collateral and peer cohesion to guarantee loans.
Group Formation (5–10 Women)
Borrowers form autonomous peer affinity groups living in close proximity who know each other's integrity and work ethic.
Mutual Cross-Guarantee
Group members sign a mutual cross-guarantee resolution. If one member faces temporary distress, the group supports her repayment.
Weekly Center Meetings
Loan officers visit the village center at fixed weekly times for financial literacy education, savings collection, and repayment logs.
Standard Product Specifications
Directly configured in our core microfinance engine:
| Product Type | Audience | Cycle | Guarantee |
|---|---|---|---|
| Income Generation | Women in JLGs | Weekly | Group Cross-Guarantee |
| Micro-Enterprise | Small Retailers | Monthly | Stock Hypothecation |
| Crop / Agriculture | Rural Farmers | Bullet | Crop Pledge / Land Title |
Stories of Transformation
Meet the entrepreneurs using Samridhi microfinance capital to build sustainable family wealth.
Anjali Devi
Dairy Entrepreneur • Green Valley"With a ₹40,000 Income Generation Loan through my JLG group, I purchased two crossbred dairy cattle. Today, our daily milk yield is 28 liters, providing a steady monthly surplus of ₹9,500 for my children's education."
Rajesh Verma
Grocery Wholesaler • Jaipur Mandi, RJ"Commercial banks required complex collateral. Samridhi evaluated my actual daily shop turnover with cash flow analysis and sanctioned ₹1,50,000 in 3 days. My provision store inventory has doubled."
Sunita Rao
Handloom Weavers JLG • Delta Hub"Our 8-woman artisan collective secured mechanical jacquard handloom machinery. Our micro-insurance policy also protected us during monsoon flooding, compensating yarn damage without loan default."
Need Financial Assistance for Your Micro-Business?
Speak with a certified rural field officer in your village. We will guide your group formation, assess household cash flows, and help you choose the right microcredit product.