Loan Products

Mahila Sahayatra (MSMBSL) a variety of loans to accommodate the diversity of its members’ initiatives. These loans are intended to enable clients to expand their agricultural and farm business, acquire technology, or to start retail and service businesses.Mahila Sahayatra Microfinace Bittiya Sanstha Limited currently offers following loan products:

 

1.General Loan (GL) Loan:

After completion of the Pre- group training (PGT) and group recognition test (GRT) clients are eligible to take General Loan. Clients choose their project as per their own knowledge about any kind of Income Generation Area, and can submit loan application at the center. The maximum Loan amount per client is Rs. 200,000 and available at 18% interest rate charged on declining basis for maximum period of 18 months Including Grace Period.

 

2.Business Loan (BL):

Beside the general Loan (GL) the Mahila Sahayatra tries to satisfy the Business Improvement,Created & Expantion need of the clients by providing Business loan.For The Business Loan compulsory Required PAN/Busienss certificate & The Business Plan.The maximum amount for this Loan is Rs. 300,000 and provided at 18% interest rate for maximum period of 24 months Including Grace Period.

 

3.Seasonal Agricultural (SA) Loan:

This loan product is available to group based clients to finance inputs for seasonal agricultural production like Purchase of seeds, fertilizer, insecticides and pesticides. The loan is also be available for purchase and sale of agricultural products. Maximum limit for this loan is Rs. 30,000 and provided at 18% interest rate per annum for maximum period of 12 months. 

 

4.Group-based Small Micro-enterprise Loan (SME)

This loan product is designed to satisfy credit need of micro-entrepreneurs. It is provided to graduated clients from the groups. The maximum loan amount of this loan is Rs. 5,000,000 and is provided for maximum 3 years  Period Including Grace Period  at the rate of 18% per annum.Project viability, client's integrity and the physical collateral are the basis to provide this loan.

 

5.Land & Housing Loan (LHL)

This loan product is designed to satisfy credit need of Land & Housing Purchased. It is provided to graduated clients from the groups. The maximum loan amount of this loan is Rs. 5,000,000 and is provided for maximum 5 years period Including Grace Period at the rate of 18% per annum. Purchased Land,Building construction and the physical collateral are the basis to provide this loan.The Member must be used compulsory general or Business loan before this loan .

 

6.Motherhood Loan(MHL):

Mahila Sahayatra provides Motherhood loan for the Pegnancy,women illness & various diseases clients. The maximum loan amount of this loan is Rs. 30,000 & 20 times of her motherhood saving  whichever is lower and is provided for maximum 1 years period at the interest rate of 16% per annum.

 

7.Emergency Loan(EL) :

This loan product is available to group based clients to fulfil the immidate needs.  If the client, clients' family member is/are to admit in the hospital or if the clients' business is damaged & Suddenly Accident case the client can obtain this loan from the center. Maximum limit for this loan is Rs. 20,000 and provided for maximum 1 years period at 18% interest rate per annum. 

 

8.Consumption Loan (CL):

This loan product is available to group based clients to finance inputs for her Micro-enterprise development.  Mahila sahayatra Have a Thirteen Edos (enterprise development Officers ) they provide Training as per need of member in there villege/community ,This loan is based on Training for business development of member .for the training to member as basis of general loan & business loan from Rs.50,000 to Rs. 1,99,999 training coupan are provide Rs. 4,000  And Above Rs.2,00,000 coupan are provide Rs. 8,000 . If member need or want to the Training than they can be used Rs.400 per coupan for besic Level training Rs. 800 per coupan for Advance Level training in various enterprise development.when member want to loan From Rs.50,000 to above General Or Business loan than it is compulsory provided Consumption Loan for maximum 2 years period & No Any interest rate .

Loan repayments are made at intervals of 30 days after first disbursement. A 2% service charge on the total loan amount is applied and is paid when the loan instalment is first disbursed. If repayments are not made on time, a 2% penalty on the overdue amount is applied. Clients that pay back the entirety of their loan amount before the agreed upon repayment schedule are subject to a 1% penalty if within the first six months of disbursement, and a 0.5% penalty if repaid after six months of disbursement.


Stock Update

As of: 2019-11-14  15:00:00
Max Price 465.00
Min Price 465.00
Closing Price 465.00
Previous Closing 465.00
Difference (0.00 )
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Eligibility Criteria:
  • Interest in entrepreneurship and livelihood activities.

  • Experience in client-proposed business.

  • Clear business plan showing how the loan will be invested.

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