Product

Features

Purpose

Terms & Conditions

SAIJA Karobar Rin (SKR)

 Loan Range: Rs.5,000 – Rs.1,00,000
Up to Rs. 30000
(for 1-year tenure)
Rs. 31000- Rs 1,00,000 (for 2 Years tenure)
Repayment Mode: Fortnightly/Monthly
Interest rate: 21.89% per annum (diminishing)
Processing fee: 1% of loan amount including GST
Methodology: JLG of 4 to 6 members

Provides financial     assistance to self-employed   men & women to support     their  business enterprises,   such as:

  • Increase in working capital
  • Purchase of fixed assets
  • Expansion & Improvement in business

 Interest rate:  21.89% per annum (diminishing)
Processing fee:
1% of loan amount including GST
Insurance Fee:
2.5 Rupees /Thousand / Insured Life + GST 18% of the processing fee
Prepayment Penalty: No charges
Late Payment Fee:
No charges 

 

SAIJA Mahila Rin (SMR)

 

Loan Range: Rs.5,000 – Rs.1,00,000
Up to Rs. 30000
(for 1-year tenure)
Rs. 31000- Rs 1,00,000 (for 2 Years tenure)
Repayment Mode: Fortnightly/Monthly
Interest rate: 21.89% per annum (diminishing)
Processing fee: 1% of loan amount including GST
Methodology: JLG of 06 to 30 members

 

Provides financial  assistance to    women to support

  • Income-generating activities in their household.
  • Genuine consumption needs such as education, household improvement, etc.

 

Interest rate: 21.89% per annum (diminishing)
Processing fee:
1% of loan amount including GST
Insurance Fee:
2.5 Rupees /Thousand / Insured Life + GST 18% of the processing fee
Prepayment Penalty: No charges
Late Payment Fee:
No charges 


 

Saija Vridhi Rin (SVR)

 

 

 

Loan Range: Rs. 10,000/- to 20,000/-
Repayment mode: Fortnightly/Monthly
Interest Rate: 21.89% per annum (diminishing)
Processing Fee: 1% including GST
Methodology: JLG

 

 

Purchase of Non-Grid Solar Product

 

 

Interest rate: 21.89%  annum (diminishing)
Processing fee: 1% including GST
Insurance Fee for Client: Rs.2.5 /1000/life per annum.
Insurance fee for Client and Spouse: Rs.2.5/1000/life per annum.
Prepayment penalty: 0
Late payment fee: 0


 SAIJA Urja Rin (SUR)

 Loan Amount: Rs. 1899
Frequency: 13 Fortnightly installments
Interest Rate: 21.89% per annum (diminishing)
Processing Fee: 1% of loan amount including GST

Provides financial assistance to clients for:

  • Purchasing solar lighting products
  • This decreases the dependence of clients on traditionally used harmful to health oil lamps and increasing the use of clean and renewable energy

Interest rate: 21.89% per annum (diminishing)
Processing fee: 1% of loan amount including GST
Service Tax: 15%
Prepayment Penalty: No charges
Late Payment Fee: No charges

Saija Phone Rin

 Loan Range: Rs. 7000
Repayment mode: Fortnightly/Monthly
Interest Rate: 21.89% per annum (diminishing)
Processing Fee: 1% including GST
Methodology: JLG

 

 

Purchase of Non-Grid Solar Product

 Interest rate: 21.89%  annum (diminishing)
Processing fee: 1% including GST
Insurance Fee for Client: 12
Insurance fee for Client and Spouse: 24
Prepayment penalty: 0
Late payment fee: 0

Saija Jal Rin

 

 

 

 

 

PM Svanidhi Loan

 

 

 

 

 

 

 

Saija WASH Loan

 Loan Range:- Rs. 3399
Repayment mode: Weekly/Fortnightly/Monthly
Interest Rate: 21.89% per annum (diminishing)
Processing Fee: 1% including GST
Methodology: JLG

 

 

Loan Range:- up to Rs. 10,000/-
Repayment mode: Monthly
Interest Rate: 21.89% per annum (diminishing)
Processing Fee: 1% including GST
Processing fee: 1% of loan amount including GST

 

 

 

Loan Range:- up to Rs. /-
Repayment mode: Monthly
Interest Rate: 22.33% per annum (diminishing)
Processing Fee: 1% including GST
Processing fee: 1% of loan amount including GST

 

 

 

 

 

 

  • To facilitate a working capital loan to street vendors, hawkers, thelewala, rehriwala, theliphadwala.
  • To incentivize regular payment.
  • To promote digital transaction

 

 

 

 

  • To drink Clean water for a Healthy family.
  • To provide Water supply at home to save time. These time they can spend in there business.
  • Toilets for hygine & Safety.
  • Repair and modification for toilet.

Interest rate: 21.89%  annum (diminishing)
Processing fee: 1% including GST
Insurance Fee for Client: 12
Insurance fee for Client and Spouse: 42
Prepayment penalty: 0
Late payment fee: 0

 

 

Interest rate:  21.89% per annum (diminishing)
Processing fee:
1% of loan amount including GST
Prepayment Penalty: No charges
Late Payment Fee:
No charges

 

 

 

Interest rate:  21.89% per annum (diminishing)
Processing fee:
1% of loan amount including GST
Prepayment Penalty: No charges
Late Payment Fee:
No charges

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