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: 22.33% 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:  22.33% 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: 22.33% 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: 22.33% 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

Loan Range: Rs. 10,000/- to 20,000/-
Repayment mode: Fortnightly/Monthly
Interest Rate: 22.33% per annum (diminishing)
Processing Fee: 1% including GST
Methodology: JLG
Purchase of Non-Grid Solar Product Interest rate: 22.33%  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: 22.33% 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 from traditionally used harmful to health oil lamps and increasing the use of clean and renewable energy
Interest rate: 22.33% 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: 22.33% per annum (diminishing)
Processing Fee: 1% including GST
Methodology: JLG
Purchase of Non-Grid Solar Product Interest rate: 22.33%  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

Loan Range: Rs. 3399
Repayment mode: Weekly/Fortnightly/Monthly
Interest Rate: 22.33% per annum (diminishing)
Processing Fee: 1% including GST
Methodology: JLG
Purchase of Non-Grid Solar Product Interest rate: 22.33%  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
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