Group loans for rural women, with the training and support to use them well.
Collateral-free loans for women who borrow together in a Joint Liability Group. Members know each other, vouch for each other and repay together at their monthly centre meeting. A Radhya officer comes to the village, so no one has to travel to a branch.
Before the first loan, every group gets two days of free training: how the loan works, how to use it well, the risks of over-borrowing, and their rights under our Fair Practice Code.
Our loans fund the small businesses that keep rural households going.
Yarn and looms for women who weave at home.
Raw material for spinning, pottery and other village crafts.
A cow or goats that bring in a steady daily income.
Seeds and tools for the next harvest.
Per annum, reducing balance · 29.37% average for MFI loans
Interest rates shown are for our microfinance (MFI) loans under the Joint Liability Group (JLG) model, charged on a reducing-balance basis and excluding the processing fee. The average rate is weighted by the amount of MFI loans disbursed in the previous quarter (July–September 2026). See our Pricing Policy for details.
Still have a question? Call us at 1800-890-5626, Mon To Fri 10:00am - 06:00pm.
A group of women from the same village who each take their own loan but stand by each other’s repayments. Group support, not collateral, is what makes the loan possible.
Groups from a village meet a Radhya officer every month at a fixed place and time to repay, ask questions and learn about managing money.
Women from households with an annual income of up to ₹3,00,000 (the RBI’s limit for microfinance) who join a JLG in an area we serve.
No. Our loans are collateral-free and we take no security deposit.
We complete your KYC digitally, assess your household income and check credit bureau records for you and your household. Approval is automated, so decisions are quick and consistent.
Interest is 26% to 29.75% a year on a reducing balance, plus a 1.5% processing fee and GST. Before you sign, you get a Key Fact Statement in your language listing every charge. There is no penalty for repaying early.
Call 1800-890-5626 (toll-free) or email [email protected]. If it isn’t resolved, see our Escalation Matrix and Grievance Redressal Policy.