At Pratyancha Financial Services Limited (PFSL), we are committed to serving the financially underserved. Our goal is to provide easy and timely access to credit for individuals and groups who are often excluded from traditional banking systems. Here's who is eligible to get credit from Pratyancha.

✅ Women Entrepreneurs
We prioritize lending to women who run small businesses, home-based enterprises, or are part of Self-Help Groups (SHGs). Our loans empower them to grow their income and become financially independent.
📌 Tailoring, kirana stores, food stalls, livestock rearing, beauty parlors, etc.
📌 Must be aged between 18 and 60 years
📌 Resident of the operational area for at least 1 year

✅ Self-Help Group (SHG) Members
Group-based lending is one of our core models. SHG members are eligible for joint-liability loans that help build credit discipline and community trust.
🍁 SHG should have an operating history (usually 6 months to 1 year)
🍁 Minimum 10 members, mostly women
🍁 Regular meeting and saving records

✅ Micro & Small Business Owners
We provide credit to individuals running micro and small businesses in both rural and semi-urban areas.
💰 Small traders, shopkeepers, artisans, vendors, farmers
💰 Must have a running business for at least 6-12 months
💰 Business should have steady cash flow

✅ Low-Income Households
We offer microfinance loans to support household needs such as education, health emergencies, sanitation, or housing improvement.
⛺ Family income within defined limits (as per RBI/NBFC-MFI norms)
⛺ Strong repayment intent and household stability
⛺ Valid ID and address proof

✅ Farmers and Agricultural Workers
We also support individuals involved in farming, dairy, poultry, and agri-allied activities.
🌳 Small and marginal farmers
🌳 Must own or lease land or be engaged in agri-labor
🌳 Seasonal repayment options may be available

✅ First-Time Borrowers
We welcome first-time borrowers who may not have a formal credit history but have strong repayment capacity and intent.
🎩 Can start with smaller ticket-size loans
🎩 Creditworthiness assessed via field visits and community feedback

✅ Basic Eligibility Criteria
👦 Age: 18 to 60 years
👦 Residency: Must live in the area for 6 months to 1 year
👦 Income: Within limits as defined for microfinance (based on RBI norms)
👦 ID Proof: Aadhaar, Voter ID, PAN, etc.
👦 Address Proof: Utility bills, Aadhaar, or ration card
👦 Willingness to repay in weekly/biweekly/monthly installments