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Loan Products

The Saath Cooperative offers two types of loans:

Joint Liability Group Loan :
              Production Loan :
              Purpose : To establishing micro-enterprises.
              Eligibility : after 3 months regular saving.
              Loan Amount : Up to INR.30,000

              Asset Creation Loan :
              Purpose : Includes debt redemption, house repairs, purchasing assets
              Eligibility : after 3 months regular saving.
              Loan Amount : Up to INR.30,000

              Consumption Loan :
              Purpose : Health, education, social events, household expenditures
              Eligibility : after 3 months regular saving.
              Loan Amount : Up to INR.30,000

Individual Loan :
              Business Loan :
              Purpose : To start a new business/increase the business
              Eligibility : After successfully completing group loans
              Mod-roof Loan : Get rid of the Pattara roof houses and create a modern roof (Mod-roof) which provide completely relief from               heat or rainfall.

              Family Property Loan :
              Purpose : Repairing or Renovation of Home and Shops.
              SSCCSL offers up to INR.3,20,000/- loan amount on lower reducing rate of interest.

Main Feature of our Loan Products
• Loan disbursement in Joint Liability Groups
• Duration of loan is 12 to 30 months.
• Repayment in EMIs
• Interest charges are on reducing balance.
• Flexibility in pre closure
• Credit term life insurance facility for Member and Spouse
• Loans are disbursed in 4 consecutive cycles