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Our Products

  1. What we do
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OUR PRODUCTS


The Company facilitates Micro loans starting from Rs.10,000/- up to a maximum of Rs.50,000/- per loan under Joint Liability Group (JLG) concept, with fortnightly repayment frequency, including top up loans depending upon the needs of the borrower and their repayment capacity.
The rate of interest for these micro loans will be charged @ 26% per Annum on diminishing balance of principal with fortnightly rest. 1.5% loan processing fee, with applicable GST.
Currently, The Company is also facilitating loans as a Business Correspondent of MAS, IDBI, ESAF BANK and Utkarsh.
Janakalyan provides life/accidental insurance coverage to members and spouses.



12 Months/ 24 Months
Tenure
26.5%
ROI
26/52
No of Installment
JLG
Loan Type
10,000 to 30,000/ 31,000 to 50,000
Loan Amount
12 Months
Tenure
26.5%
ROI
26
No of Installment
JLG
Loan Type
10,000 to 20,000
Loan Amount
24 Months
Tenure
26.5%
ROI
52
No of Installment
JLG
Loan Type
10,000 to 30,000/ 31,000 to 50,000
Loan Amount
12 Months/ 24 Months
Tenure
26.5%
ROI
26/52
No of Installment
JLG
Loan Type
10,000 to 30,000/ 31,000 to 50,000
Loan Amount
Janakalyan Financial Services Pvt Ltd.
All microfinance loans date Minimum Interest Rate*(%) Maximum Interest Rate*(%) Average rate of interest in last quarter/last month**(%) Processing Fees(% of the loan)
08-05-2023 26.50 31.50 26.50 1.50
15-11-2022 26.00 31.00 26.00 1.50
15-09-2022 25.75 30.75 25.75 1.50
01-04-2022 25.00 30.00 25.00 1.50