| Credit Methodology | The lending activity for all the loans is uniform and it initiates with 1. Public Orientation Meeting
2. Motivation, 3. Group Formation 4. Compulsory Group Training 5. Group Recognition Test
6.Centre Meetings 7. Loan Approvals, Disbursement and Repayments 8. Loan Monitoring
9. Training Programs, Workshops and Exposure Visits. |
| Product Name | General Loan | Special Loan | Micro Enterprise Loan |
| Currency of Product | Indian Rupee | Indian Rupee | Indian Rupee |
| Periodicity of repayment | Weekly | Weekly | Weekly & Monthly |
| Maturity | 50 Weeks | 50 Weeks | 6-48 Months |
| Types of guarantees | Group guarantee | Group guarantee | Title deeds & two guarantors |
| Interest Rate (Flat) | 12.50% - 15.00% | 12.50% - 15.00% | 14.00% - 15.00% p.a |
| Interest Rate (Declining) | 23.60% - 28.13% | 23.60% - 28.13% | 26.32% - 28.13% p.a |
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