Product
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Features
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Purpose
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Terms & Conditions
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SAIJA Karobar Rin (SKR)
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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
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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
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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
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SAIJA Mahila Rin (SMR)
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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
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Provides financial assistance to women to support
- Income-generating activities in their household.
- Genuine consumption needs such as education, household improvement, etc.
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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
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Saija Vridhi Rin (SVR)
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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
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Purchase of Non-Grid Solar Product
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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
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SAIJA Urja Rin (SUR)
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Loan Amount: Rs. 1899 Frequency: 13 Fortnightly installments Interest Rate: 21.89% per annum (diminishing) Processing Fee: 1% of loan amount including GST
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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
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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
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Saija Phone Rin
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Loan Range: Rs. 7000 Repayment mode: Fortnightly/Monthly Interest Rate: 21.89% per annum (diminishing) Processing Fee: 1% including GST Methodology: JLG
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Purchase of Non-Grid Solar Product
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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
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Saija Jal Rin
PM Svanidhi Loan
Saija WASH Loan
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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
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- 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.
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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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