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Micro finance scheme
Micro finance scheme
To pursue gainful activities and for purchase of any consumer items, bicycles, house repairs, medical expenses, education and any other lawful need or even as working capital /loan for his/her activity.
One loan per Ration card
Maximum Rs 100,000/-
Nil - For self consumption, working capital, personal expenses
20% - in case of Asset creation
Business man/ salary earners having minimum income of Rs. 20,000/- p.m. and maximum Rs. 100,000/- p.m.
Asset value Criteria
Total requirement of the borrower or Rs. 50,000/- whichever is lower
20% margin to be maintained in case of asset creation
Rate of interest
Minimum 12 months - Maximum 36 months
1. Cross guarantees of group of 2 persons.
2. One person can guarantee maximum 2 loans.
3. Maximum one member from family can be obtained as guarantor
4. Of the 2 guarantors atleast 1 to be an income earner
Nominal membership of applicant and guarantor
1. Photograph, Aadhaar Card/ Voter ID, PAN Card of the Borrower and Guarantors
2. 6 months bank statement; in case account maintained with other bank
3. Proforma Invoice in case of Asset creation
4. Declaration for end use of the funds
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