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Loan Products

Microfinance serves as an effective tool for poverty alleviation and economic empowerment by granting access to financial services like credit and insurance. Pratyancha Financial Services Limited (PFSL) plays a pivotal role in providing these services to the unserved and underserved population, enabling them to initiate or expand small businesses and elevate their incomes.

Micro Enterprises Loan

The business loan is for men and women engaged in small and medium scale businesses and other income generating activities but who face liquidity problems, financial insolvency, and do not meet the requirements of obtaining loans from banks.

The products/schemes to assist all the small business segment like shopkeeper, Micro trading activities etc for their better livelihood and their businesses. For qualifying as MEL loans, the following criteria should be fulfilled. Eligibility for loans is determined depending upon the loan cycle of the Borrower.

Key Benefits

FEATURES BENEFITS
Loan Amount
  • Minimum amount is INR 50,000
  • Maximum amount INR 2,00,000
Loan Tenure
  • Maximum 36 months
Repaymet Schedule
  • Monthly / Fortnightly
Interest Rates
  • Enjoy highly competitive interest rates ranging from 26% - 30% (reducting) p.a.
Credit Bureau
  • Score should be more than 600

How to Apply

Visit our nearest branch and our Relationship Manager will guide you on the application process.

You can also contact us our Customer Care Executive to help you with the application process.

Personal Loan

Personal loan is the obvious choice if you need a finance for Personal finance, Medical emergency, Wedding purposes, Abroad travel, Holidays, Child education and for buying consumer durable things.

Joint Liability Groups

Group Loan is designed to extend loan facilities to women, with the objective of helping them meet their financial needs.

These loans are sanctioned largely to JLGs, either in their individual names or in the name of the groups to make them enable to start new ventures or to expand their existing activities as the case may be. Eligibility for loans is determined depending upon the loan cycle of the group member. These groups are formed voluntarily with the motive of their better livelihood and all round development.

Key Benefits

FEATURES ATTRIBUTES
Loan Amount
  • Minimum amount is INR 20,000
  • Maximum amount is INR 50,000
Age of Applicant
  • Between 18 to 60 Years
Loan Tenure
  • Maximum 24 months
Repaymet Schedule
  • Monthly / Bi-Weekly / Fortnightly
Interest Rates
  • Enjoy highly competitive interest rates ranging from 26% - 30% (Reducing) p.a.

How to Apply

Visit our nearest branch and our Relationship Manager will guide you on the application process.

You can also contact us our Customer Care Executive to help you with the application process.

Insurance

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