Portfolio surpassed Rs.43 Crore || Twenty-seventh Branch of BJS at Saheberhat in Cooch behar district || Seventeen Financial Partners. || Nine Public Sector Banks as Financial Partners. || CoCA Grade “M4C2” || Rating Grade “MFI 3+”



PRODUCT INFORMATION : Entrepreneurship
Loan Product Name :
Brief Description :
This loan product is exclusively designed for the poor women in underserved areas who engaged in self-employment and small income generating activities but do not have enough own capital to run the activities.
Target Clients :
  • Women who are engaged in income generating activities.
  • In rural areas, the women who are engaged as small farmer, allied agriculture activities, food processing, petty trading etc.
  • In urban areas, the women who are engaged in more diverse activities like shopkeepers, service providers, street vendors, artisans etc.
Criteria of a client :
  • The above mentioned women who engaged in small income activities.
  • Between 18-58 years old
  • Should have a income generating activity
  • Household income should not be more than ₹1,00,000 & ₹1,60,000 per annum in rural and urban areas respectively.
  • Not have outstanding account with more than one MFI.
  • Total indebtedness should not exceed ₹1,00,000
Purpose :
  • Farm
    1. Agriculture – Paddy, Wheat, Jute, Vegetable cultivation
    2. Agriculture Allied – Dairy, Poultry, Fishery, Duckery, Piggery, goatery etc.
  • Non-Farm
    1. Small business – Grocery, Stationery, Readymade Garments, Tea stall, Food stall, Electronic & Electrical, Mobile shop etc.
    2. Small Transport – Van, Rickshaw etc.
    3. Service – Laundry, Saloon, Cobbler, bookbinding repairing shop etc.
Lending Methodology : Individual (through Group)
Loan Ceiling :
Maximum ₹30,000
Minimum ₹5,000
Subsequent increase amount :
Maximum ₹10,000 from previous loan amount depends on evaluation marks)
Tenure :
Maximum One year
Interest & Fees :
Rate of Interest 26% p.a. on reducing balance
Processing Fees 1% on loan amount
Insurance Fees 0.08% on loan amount
GST  18% on processing fees
Mode of Repayment :
Weekly/Fortnightly/monthly as per borrower choice

News Update

Our Achievements

As on 30thApril  2019
No. of Branches : 27
No. of Districts : 6
No. of Blocks : 48
Total Staff Strength : 147
No. of Frontline Staff : 92
No. of Active Groups : 2,232
No. of Active Members : 28,718
No. of Active Borrowers : 24,424
Cummulative Loan Disbursed (in Lakhs) : 34,683.53
Loan Portfolio (in Lakhs) : 4,073.37
Average Loan Size on outstanding : 16,678
On time Repayment Rate : 99.96%
Amt. of Loans Outstanding per Credit Officer : 44.28

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