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       SAJAL (Water and Sanitation Loan)

Lending ModelJoint Liability Group
Loan AmountRs. 10,000 – Rs. 35,000
Tenure12 – 24 Months
Repayment FrequencyMonthly/Fortnightly
Rate of Interest24.75%
Min Interest Rate24.75%
Max Interest Rate24.75%
Avg Rate of Interest24.75%
Processing Fee1.5% + GST

       SAMRIDDHI (Income Generation Loan)

Lending ModelJoint Liability Group
Loan AmountRs. 25,000 – Rs. 70,000
Tenure12 – 36 Months
Repayment FrequencyMonthly/Fortnightly
Annual Interest Rate24.75% (on Reducing balance)
Processing Fee1.5% + GST

       SURABHI (Dairy Cattle Loan)

Lending ModelIndividual
Loan AmountRs. 60,000 – Rs. 90,000
Tenure24 Months
Repayment FrequencyMonthly
Annual Interest Rate19-24% (on Reducing balance)
Processing Fee1.5% + GST

       SAMVARDHANA (Top-up Loan)

Lending ModelJoint Liability Group
Loan AmountRs. 15,000 – Rs. 35,000
Tenure6 – 24 Months
Repayment FrequencyMonthly/Fortnightly
Annual Interest Rate24.75% (on Reducing balance)
Processing Fee1.5% + GST

       SUVIDHA (Product Loan)

Lending ModelJoint Liability Group
Loan AmountRs. 1,000 – Rs. 25,000
Tenure9 – 18 Months
Repayment FrequencyMonthly/Fortnightly
Annual Interest Rate24.75% (on Reducing balance)
Processing Fee1.5% +GST

        SAMPARK (Mortgage Loan)

Lending ModelIndividual
Loan AmountRs 3 Lakh- Rs 15 Lakh
Tenure24 – 120 Months
Repayment FrequencyMonthly
Annual Interest Rate21-23%
Processing Fee2% + Applicable GST

        SAMPARK ADVANTAGE (Mortgage Loan)

Lending ModelIndividual
Loan AmountRs 60,000 – Rs 5 Lakh
Tenure12 – 60 Months
Repayment FrequencyMonthly
Annual Interest Rate25%
Processing Fee2% + Applicable GST

        SWABHIMAN (Micro Enterprise Loan)

Lending ModelIndividual
Loan AmountRs 60,000 – Rs 5 Lakh
Tenure12 – 48 Months
Repayment FrequencyMonthly
Annual Interest Rate26-28%
Processing Fee2% + Applicable GST

        PRAGATI (Mortgage Loan)

Lending ModelIndividual
Loan AmountRs 3 Lakh – Rs 25 Lakh
Tenure24 – 120 Months
Repayment FrequencyMonthly
Annual Interest Rate19-21%
Processing Fee2% + Applicable GST
Micro Finance Loans

Interest rate schedule for Micro Finance Loans:

Product TypeMin Interest RateMax Interest RateAvg. Rate of interest in Q1 FY 23-24Processing Fee (% of loan)
SAMRIDDHI (Income Generation Loan)24.75%24.75%24.75%1.5% + GST
SAMVARDHANA (Top-up Loan)24.75%24.75%24.75%1.5% + GST
SAJAL (Water and Sanitation Loan)24.75%24.75%24.75%1.5% + GST
SUVIDHA (Consumer Durable Loan)24.75%24.75%24.75%1.5% + GST

*Interest rates are calculated on a reducing balance basis per annum.

       SAMRIDDHI (Income Generation Loan)

Lending ModelJoint Liability Group
Loan AmountRs. 25,000 – Rs. 80,000
Tenure12-36 months
Repayment FrequencyMonthly/ Fortnightly
Rate of Interest22.99% – 24.50%
Processing Fee1.5% + GST

       SAMRIDDHI PLUS (Income Generation Loan)

Lending ModelJoint Liability Group
Loan AmountRs. 80,001 – Rs. 1.5 lakhs
Tenure18-36 months
Repayment FrequencyMonthly/ Fortnightly
Rate of Interest22.99% – 24.50%
Processing Fee1.5% + GST

       SAMVARDHANA (Top-up Loan)

Lending ModelJoint Liability Group
Loan AmountRs. 15,000 – Rs. 35,000
Tenure12-24 months
Repayment FrequencyMonthly/Fortnightly
Rate of Interest22.99% – 24.50%
Processing Fee1.5% + GST

       SAJAL (Water and Sanitation Loan)

Lending ModelJoint Liability Group
Loan AmountRs. 10,000 – Rs. 35,000
Tenure12 – 24 Months
Repayment FrequencyMonthly/Fortnightly
Rate of Interest22.99% – 24.50%
Processing Fee1.5% + GST

       SUVIDHA (Product Loan)

Lending ModelJoint Liability Group
Loan AmountRs. 1,000 – Rs. 25,000
Tenure9 – 18 Months
Repayment FrequencyMonthly/Fortnightly
Rate of Interest22.99% – 24.50%
Processing Fee1.5% +GST
Non Micro Finance Loans*

        PRAGATI (Mortgage Loan)

Lending ModelIndividual
Loan AmountRs 3 Lakh – Rs 25 Lakh
Tenure24 – 120 Months
Repayment FrequencyMonthly
Annual Interest Rate21%
Processing Fee2% + Applicable GST

        SAMPARK (Mortgage Loan)

Lending ModelIndividual
Loan AmountRs 3 Lakh- Rs 15 Lakh
Tenure24 – 120 Months
Repayment FrequencyMonthly
Annual Interest Rate23%
Processing Fee2% + Applicable GST

        SAMPARK ADVANTAGE (Mortgage Loan)

Lending ModelIndividual
Loan AmountRs 60,000 – Rs 5 Lakh
Tenure12 – 36 Months
Repayment FrequencyMonthly
Annual Interest Rate25%
Processing Fee2% + Applicable GST

        SWABHIMAN (Micro Enterprise Loan)

Lending ModelIndividual
Loan AmountRs 60,000 – Rs 5 Lakh
Tenure12 – 48 Months
Repayment FrequencyMonthly
Annual Interest Rate28%
Processing Fee2% + Applicable GST

       SURABHI (Dairy Cattle Loan)

Lending ModelIndividual
Loan AmountRs. 60,000 – Rs. 90,000
Tenure24 Months
Repayment FrequencyMonthly
Annual Interest Rate19-24% (on Reducing balance)
Processing Fee1.5% + GST

        PRAGATI (Mortgage Loan)

Lending ModelIndividual
Loan AmountRs 3 Lakhs – Rs 25 Lakhs
Tenure24 – 120 Months
Repayment FrequencyMonthly
Rate of Interest21%
Processing Fee2% + GST

        SAMPARK (Mortgage Loan)

Lending ModelIndividual
Loan AmountRs 3 Lakhs- Rs 15 Lakhs
Tenure24 – 120 Months
Repayment FrequencyMonthly
Rate of Interest23%
Processing Fee2% + GST

        SAMPARK ADVANTAGE (Mortgage Loan)

Lending ModelIndividual
Loan AmountRs 60,000 – Rs 5 Lakhs
Tenure12 – 72 Months
Repayment FrequencyMonthly
Rate of Interest25%
Processing Fee2% + GST

        SWABHIMAN (Micro Enterprise Loan)

Lending ModelIndividual
Loan AmountRs 60,000 – Rs 5 Lakhs
Tenure12 – 48 Months
Repayment FrequencyMonthly
Rate of Interest28%
Processing Fee2% + GST

        CONSUMER DURABLE LOANS

Lending ModelIndividual
Loan AmountRs 10,000 – Rs 50,00
Tenure6 – 18 Months
Repayment FrequencyMonthly
Rate of Interest22%-24%
Processing Fee4% + GST

       SURABHI 1 (Dairy Cattle Loan)

Lending ModelIndividual
Loan AmountRs. 60,000 – Rs. 90,000
Tenure24 Months
Repayment FrequencyMonthly
Rate of Interest24%
Processing Fee1.5% + GST

       SURABHI 2* (Dairy Cattle Loan) (Co-lending)

Lending ModelIndividual
Loan AmountRs. 60,000 – Rs. 90,000
Tenure24 Months
Repayment FrequencyMonthly
Rate of Interest19% – 20.55%
Processing Fee1.5% + GST

*lending under BC model

       TWO-WHEELER LOANS

Lending ModelHypothecated – Individual Loan
Loan AmountRs. 50,000 – Rs. 1,50,000
Tenure24 – 36 Months
Repayment FrequencyMonthly/Fortnightly
Rate of Interest24.24%
Processing Fee2% +GST

       SARAL LOANS

Lending ModelIndividual
Loan AmountRs. 25,000 – Rs. 80,000
Tenure12-36 months
Repayment FrequencyMonthly/Fortnightly
Rate of Interest24.50%
Processing Fee1.50% +GST

       SAMBHAV

Lending ModelIndividual
Loan AmountRs. 25,000 – Rs. 5 lakhs
Tenure24 to 48 months
Repayment FrequencyMonthly
Rate of Interest26% – 30%
Processing Fee2% +GST

*Interest rate for retail loans varies bases on ticket size. As ticket size increases, interest rate decreases.

*Interest rate for retail loans depends on various factors such as
Credit bureau score, Repayment History, Principal amount and Tenure.

DISCLAIMER

*Interest rates are calculated on a reducing balance basis per annum

access this document for more information: Interest Rate Disclosure August 2023

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