Comprehensive Financial Products for Rural Livelihoods
Transparent, ethical, and collateral-free microcredit products engineered for micro-enterprises and women collectives.
Accessible Working Capital
Loans configured to meet the lifecycle needs of rural livelihoods without burdensome land collateral requirements.
Income Generation Loan (JLG)
Working capital for rural women organized in Joint Liability Groups (JLGs) for dairy cattle, tailoring, poultry, and cottage crafts.
Micro-Enterprise Loan (MEL)
Term finance and inventory expansion loan for rural grocery (kirana) stores, repair workshops, and medical chemists.
Kisan Seasonal Crop Loan
Short-term credit for certified seeds, bio-fertilizers, and drip irrigation with harvest-aligned bullet repayment schedule.
Cultivating Internal Community Capital
Micro-savings enable Self-Help Groups (SHGs) and Joint Liability Groups (JLGs) to build collective emergency reserves and earn guaranteed annual returns on idle cash.
Compulsory Group Savings
Every group member contributes a mandatory small weekly amount (₹50–₹200) into the group account, establishing discipline and group capital.
Voluntary Flexible Savings
Members can deposit surplus business profits anytime. Withdrawals are processed instantly at branch counters or field meetings.
Digital Passbook Transparency
Every transaction updates physical member passbooks and central digital records simultaneously.
Savings Account Comparison
| Feature | Compulsory SHG | Voluntary |
|---|---|---|
| Minimum Deposit | ₹100 / week | ₹500 opening |
| Interest Rate | 4.0% p.a. | 5.25% p.a. |
| Withdrawals | Group Approval | Anytime liquid |
| Purpose | Group Collateral Buffer | Household Growth |
Credit-Linked Protection Shield
Shielding vulnerable families from debt distress in times of calamity, health emergencies, or harvest failures.
Credit-Life Assurance
Tied to all active loans. In the unfortunate event of the borrower's demise, the insurance syndicate pays off the remaining loan balance and provides an emergency lumpsum grant to the nominee.
Included with all active loansParametric Crop Insurance
Linked to weather sensors and regional rainfall indices. Triggers rapid automated claim payouts if drought or unseasonal excess rain impacts seasonal crop yield.
Available for Agriculture LoansLivestock Protection
Protects dairy cattle and farm livestock assets purchased via Income Generation Loans against disease or accidental loss, insuring the family's primary daily income stream.
Veterinary Verified Coverage