General Loan

Micro Business Loan

This type of loan focused mainly on micro-enterprises who engaged in the fields of retail, bakery, non-formal businesses and the like. With this loan service it is possible to lend to an individual or as a group, and the amount of loan varies (increase) in each round. As condition for taking this loan borrowers will be required to save 10% pre saving in advance.

Agricultural Loan

Customers who take loan in this field of work are mainly those who are engaged in agricultural activities like rural farming, cattle fattening, dairy farming, poultry farming, garden vegetables etc. Borrowers will be required to save 10% pre saving in advance as condition for taking this loan.

Business loan

This type of loan is given for business men who are engaged in trading and service sector like distribution and sale of various goods either whole sale or retail, importers and exporters, hotels, cafeteria services, boutiques ,consultancy, etc. The borrowers will be required to save 10% pre saving in advance as condition for taking this loan.

Housing Loan

Housing loan service is mainly focused on customers who want to buy a new house, to carry out construction or renovate their house. Borrowers will be required to save 15% for home renovation and construction and 30% for home purchase. They are required to provide evidence that they have a fixed income so that they can pay their loan every month.

Vehicle Loan

The company offers a car or bajaj purchase loan for those who deposit from25% -40% pre saving from 3-6 months before the loan. To get this type of loan, the customer should have a fixed income.

Consumption Loan

Employee’ consumption loans are used by government and non-government organizations permanently employed staffs for their various needs   such as purchasing household goods, school fees, social fees etc. This type of loan is given after saving a minimum 10% pre saving amount in advance and the amount of loan will be different in each round. Borrowers shall bring warranty letter from their employers to deduct the loan payment amount from the monthly salary of their employees and notify the company upon termination.

Special Loan/Short Term Finance

This type of loan is mainly intended for individuals organizations engaged in business activities with temporary shortage of cash as bridge finance. Unlike other types of loan, this loan is not paid monthly, but is paid all at once, and the duration of the loan does not exceed one year. The borrowers may not be required to save pre saving in advance as a condition for taking this loan.