Loan

Loan Products

S.N	Product Name	Loan Ceiling	Duration	Interest Rate	Description
1	General Loan	Up to Rs. 7,00,000	Maximum 5 years	15%	Available to customers who complete the Compulsory Group Training (CGT), Pre-Group Test (PGT), and Group Recognition Test (GRT), and have income-generating activities.
2	Seasonal Loan	Up to Rs. 50,000	Maximum 1 year	15%	For seasonal income-generating activities like purchasing and selling agricultural products, chemical fertilizers, seeds, etc. Available to clients with one year of General Loan experience.
3	Emergency Loan	Up to Rs. 20,000	Maximum 2 years	15%	For clients affected by natural disasters. Provides financial relief to help manage the emergency.
4	Infinity Digital Loan	Rs. 20,000 (1st year), Rs. 30,000 (2nd year), Rs. 50,000 (3rd year)	Varies by year	15%	For contingency funds or starting a small business such as a hotel, vegetable shop, etc. Increasing loan ceiling each year based on repayment history.
5	Infinity Sambridhi Loan	Up to Rs. 3,00,000	Maximum 5 years	15%	Available to clients who have completed one year of another loan. Encourages long-term financial planning and stability.

S.N	Product Name	Loan Ceiling	Duration	Interest Rate	Description
1	Micro Enterprises Loan	Up to Rs. 7,00,000	Maximum 10 years	15%	For the development of customer businesses, either group-based or individual. Supports a wide range of business activities.
2	Alternative Energy Loan	Rs. 40,000 (Without Collateral), Rs. 60,000 (With Collateral)	Maximum 3 years	15%	For manufacturing Bio-Gas plants or solar power systems. Requires completion of 2 years in a General Loan.
3	Foreign Employment Loan	Up to Rs. 1,50,000	Maximum 2 years	15%	For clients seeking employment opportunities abroad. Helps cover related expenses.
4	Personal Micro Enterprise Loan	Up to Rs. 7,00,000	Maximum 10 years	15%	For clients starting their own personal business. Supports various types of enterprises.
5	Home and Residential Loan	Up to Rs. 7,00,000	Maximum 10 years	15%	For buying land, houses, or home maintenance. Assists in acquiring and improving residential property.
6	Consumer Loan (Upabhokta Loan)	Up to Rs. 5,00,000	Maximum 10 years	15%	For purchasing auto vehicles such as auto rickshaws, tampos, e-rickshaws, and magic vehicles. Available for both individuals and groups with collateral.
7	Technical Education Loan	Up to Rs. 1,00,000	Varies	15%	For clients or their family members seeking technical education. Requires proof of enrollment and monthly fees.
8	Small Business Loan	Up to Rs. 1,00,000	Varies	15%	For clients wanting to start or expand small businesses like tailoring, chowmein industry, candle-making, or small furniture industry.