Janakalyan Financial Services Private Limited facilitates micro loans under the Joint Liability Group (JLG) model exclusively for women borrowers. These loans are extended from ₹10,000 up to ₹50,000 per borrower, including top-up loans based on the borrower’s financial needs and repayment history.
- Repayment Frequency: Fortnightly
- Rate of Interest: 26.50% per annum, charged on the diminishing balance with fortnightly rest
- Processing Fee: 1.5% of the loan amount, plus applicable GST
In addition, Janakalyan provides life and accidental insurance coverage to both members and their spouses as part of its borrower welfare initiatives.
| Own Books Product Wise ROI |
| Sl no. |
Product Name |
R.O.I (Reducing) |
Tenure |
Processing Fees |
Type |
Loan Amt.Rs |
Number of Installment |
|
|
|
|
|
|
|
|
| 1 |
Kalyan |
26.50%p.a |
12-24 months |
1.5% + GST |
JLG Model |
10k-50k |
26-52 |
|
|
|
|
|
|
|
|
| 2 |
Sushiksha |
26.50% |
12 months |
1.5% + GST |
JLG Model |
10k-20k |
26 |
|
|
|
|
|
|
|
|
| 3 |
Swachh |
26% |
12-24 months |
1.5% + GST |
JLG Model |
20k-50k |
39-52 |
| Microfinance Loan Interest Rates & Fees – Janakalyan Financial Services Pvt Ltd |
| Loan Date |
Min Interest Rate(%) |
Max Interest Rate(%) |
Avg Interest (Last Qtr/Month) (%) |
Processing Fee(% of Loan) |
| 08-05-2023 |
26.50 |
26.50 |
26.50 |
1.50 |
| 15-11-2022 |
26.00 |
26.00 |
26.00 |
1.50 |
| 15-09-2022 |
25.75 |
25.75 |
25.75 |
1.50 |
| 01-04-2022 |
25.00 |
25.00 |
25.00 |
1.50 |
| The bellow interest rates are applicable from : |
8TH MAY, 2023 |
| Microfinance Loan Interest Rates |
| Name of the Lender |
Minimum Interest Rate Offered Currently |
Maximum Interest Rate Offered Currently |
Weighted Average rate of interest in last quarter |
Specify 'Last Quarter' For Which Weighted Average Is Given |
| Janakalyan Financial Services Private Limited |
26.50% |
26.50% |
26.50% |
31.12.2025 |
