Loans

Taking customised loans helps customers improve their business and increase income.

Our loans are tailored to the specific contexts of rural women entrepreneurs. We help them assess their needs, create a repayment schedule and come to their home/shop for collections. Customers are supported by the Mann Deshi Foundation's business schools which offer access to markets and training in finance and management.

Featured Loans

Joint Liability Group Loans

Women need not have collateral or property in their name to apply for this loan. We help them form groups of 4-5 to apply for a loan together and stand as guarantors for each other. Once the loan amount is disbursed, our agents visit customers at their homes or the weekly markets to collect repayments and savings they want to deposit into their account.

Weekly Market Cash Flow Facility

This is the first-of-its-kind doorstep cash flow facility and a unique micro-enterprise loan. Thousands of women vendors across dozens of village weekly markets currently benefit from this cash flow facility to build their working capital. Given that there are 30,000 weekly markets across the country, there is tremendous potential to scale up this product.

Micro Enterprise Loans

Our micro-enterprise loan, called Unnati, is for more seasoned women entrepreneurs who are keen to significantly scale their businesses. Having successfully paid off several smaller working capital loans, they are now ready for credit lines between Rs. 40,000 to Rs. 5 lakhs. This is a secured loan product.

Loan Interest Rates

Name	Module	Scheme	Interest Rate
Cash Credit Loan	13	235	16%
Md Mahila Weekly Market Cash Flow	13	257	26%
Long Term Loan	50	227	14%
Hire Purchase	50	233	15%
Gold Security Loan	50	234	12%
General Loan A/c	50	236	16%
Mahila Utkarsha Loan	50	240	19%
Mediam Term Loan	50	241	14%
Mann Deshi Unnati Loan	50	252	20%
Manndeshi Nano Finance	50	253	24%
Housing Loan	50	255	13%
Mann Deshi Pragati Loan	50	256	24%

Other Available Loans

Vehicle Loans

This loan scheme is to support our customers purchase vehicles.

Gold Loans

Our customers can take one-year loans against their gold ornaments.

Housing Loans

This long-term housing loan is given for upto ten years.

Medium Term Loans

This medium term loan is offered to small businesses for upto five years.

Loan Against Deposits

This loan is offered to customers against a fixed deposit they hold with us.

Cash Credit Loans

This is a line of credit that is offered to a customer’s businesses.