Microfinance Group Loan kya hai? Iske benefits, eligibility, process aur repayment system ko detail me samajhiye. Rural aur low-income families ke liye yeh loan kaise help karta hai, jaane yaha.
Introduction
Aaj ke samay me financial inclusion sabse bada challenge hai, specially rural aur semi-urban areas me. Microfinance Group Loan ek aisa model hai jisme chhote groups banakar low-income families ko loan provide kiya jata hai, taaki woh apna chhota business, self-employment ya emergency needs pura kar sake.
What is Microfinance Group Loan?
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Microfinance Group Loan ek aisa collective lending system hai jisme 5–10 log ek group banate hain.
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Group ke members ek dusre ke loan ke liye joint liability ban jaate hain.
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Agar ek member repayment nahi karta, toh pura group zimmedar hota hai.
Features of Microfinance Group Loan
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Small Ticket Size Loan – ₹10,000 se ₹50,000 tak.
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No Collateral Required – Security deposit ki zaroorat nahi.
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Group Responsibility – Saare members ek dusre ke liye guarantee dete hain.
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Weekly/Monthly Repayment – Easy installment system.
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Financial Discipline – Regular meetings aur savings habit develop hoti hai.
Eligibility for Microfinance Group Loan
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Age: 18–60 years.
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Applicant ke paas regular income source ho (small business, agriculture, daily wage etc.).
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Ek group me minimum 5 members aur maximum 10 members.
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Koi bhi member defaulter nahi hona chahiye.
Documents Required
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Aadhaar Card
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Voter ID / Ration Card
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Address Proof
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Income Proof (agar available ho)
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Group Agreement Form
Microfinance Group Loan Process
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Group Formation – 5–10 log ek group banate hain.
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Training/Orientation – NGO ya Microfinance Institution (MFI) members ko loan ke rules samjhati hai.
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Loan Application – Group ke through application diya jata hai.
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Loan Disbursement – Amount group ke members ke accounts me transfer hota hai.
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Repayment – Weekly/Monthly basis par installment collect hota hai.
Benefits of Microfinance Group Loan
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Women Empowerment (zyadatar loans women SHGs ko diye jate hain).
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Poverty Reduction.
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Entrepreneurship Promotion.
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Financial Awareness & Saving Habits.
Challenges in Group Loan
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Peer Pressure (agar koi member repay nahi kare).
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Over-Indebtedness (multiple loans lena).
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High Interest Rate (20%–26% tak).
Conclusion
Microfinance Group Loan rural aur low-income families ke liye ek strong tool hai jo unhe financial support aur self-employment ke opportunities deta hai. Lekin isme discipline aur group coordination sabse important factor hai.
FAQs
Q1. Microfinance Group Loan ka interest rate kitna hota hai?
👉 Usually 20%–26% tak hota hai, institution ke hisaab se.
Q2. Kya group loan ke liye collateral dena padta hai?
👉 Nahi, isme koi collateral nahi hota.
Q3. Kaun group loan ke liye apply kar sakta hai?
👉 Low-income families, women SHGs, daily wage earners, chhote shopkeepers etc.
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| S.No | Company Name | HQ Location | Focus / Loan Type |
|---|---|---|---|
| 1 | CreditAccess Grameen Ltd | Bengaluru | JLG Microfinance Loans |
| 2 | Spandana Sphoorty Financial Ltd | Hyderabad | Women Group Loans |
| 3 | Muthoot Microfin Ltd | Kochi | Rural Microloans |
| 4 | Bharat Financial Inclusion Ltd (BFIL/SKS) | Hyderabad | JLG Loans |
| 5 | Equitas Small Finance Bank | Chennai | Micro + SME Loans |
| 6 | Ujjivan Small Finance Bank | Bengaluru | Low-income Microloans |
| 7 | Jana Small Finance Bank | Bengaluru | Group + Individual |
| 8 | ESAF Small Finance Bank | Thrissur | SHG Loans |
| 9 | Fusion Microfinance Pvt Ltd | Gurugram | JLG Loans |
| 10 | Annapurna Finance Pvt Ltd | Bhubaneswar | SHG/JLG Loans |
| 11 | Asirvad Microfinance Ltd | Chennai | JLG Loans |
| 12 | SV Creditline Pvt Ltd (SVCL) | New Delhi | Rural Microloans |
| 13 | Arohan Financial Services Ltd | Kolkata | Eastern India Loans |
| 14 | Grama Vidiyal (IDFC Bharat) | Tiruchirappalli | SHG Loans |
| 15 | Saija Finance Pvt Ltd | Patna | Group Loans |
| 16 | Samasta Microfinance Ltd | Bengaluru | Women Microloans |
| 17 | Midland Microfin Ltd | Jalandhar | Agri Microloans |
| 18 | Satya MicroCapital Ltd | New Delhi | JLG + Individual |
| 19 | Belstar Microfinance Ltd | Chennai | SHG Loans |
| 20 | Light Microfinance Pvt Ltd | Ahmedabad | JLG Microloans |
| 21 | Chaitanya India Fin Credit Pvt Ltd | Bengaluru | JLG + MSME |
| 22 | Dvara KGFS | Chennai | Rural Finance |
| 23 | Future Financial Services Ltd | Hyderabad | Group Loans |
| 24 | Grameen Koota (GFSPL) | Bengaluru | Rural Microloans |
| 25 | Sindhuja Microcredit Pvt Ltd | Lucknow | SHG Loans |
| 26 | Sonata Finance Pvt Ltd | Lucknow | JLG Microloans |
| 27 | Satin Creditcare Network Ltd | New Delhi | Microfinance Loans |
| 28 | Shikhar Microfinance Pvt Ltd | New Delhi | Group Loans |
| 29 | Margdarshak Financial Services Ltd | Lucknow | Rural Finance |
| 30 | Navachetana Microfin Services Pvt Ltd | Dharwad | SHG Loans |
| 31 | Grameen Development & Finance Pvt Ltd | Guwahati | Assam Region Loans |
| 32 | ASA International India Microfinance Ltd | Kolkata | Group Loans |
| 33 | Village Financial Services Ltd (VFS) | Kolkata | SHG Loans |
| 34 | M Power Microfinance | Mumbai | Women Empowerment Loans |
| 35 | Adhikar Microfinance | Bhubaneswar | Odisha Rural Loans |
| 36 | Utkarsh Small Finance Bank (Ex-Utkarsh Microfinance) | Varanasi | Group Loans |
| 37 | Fincare Small Finance Bank (Ex-Disha Microfinance) | Bengaluru | JLG Loans |
| 38 | Hindustan Microfinance Pvt Ltd | Mumbai | Rural Poor Loans |
| 39 | Al Amal Microfinance | Kerala | SHG Loans |
| 40 | NEEDS Microfinance Pvt Ltd | Patna | Women JLG |
| 41 | ASA Microfinance India | Kolkata | Rural Women |
| 42 | Suryoday Small Finance Bank (Ex-MFI) | Navi Mumbai | Microloans |
| 43 | RGVN (North East) Microfinance Ltd | Guwahati | North East Loans |
| 44 | Sahyog Microfinance | Haryana | Group Lending |
| 45 | Mimo Finance | Uttarakhand | Rural/Small Biz Loans |
| 46 | Believer Microfinance | Jharkhand | SHG Finance |
| 47 | Annapurna Mahila Mandal | Maharashtra | Women SHG Finance |
| 48 | Rashtriya Gramin Vikas Nidhi (RGVN) | Assam | SHG Loans |
| 49 | Pragati Microfinance | Uttar Pradesh | Group Loans |
| 50 | SHARE Microfin Ltd | Hyderabad | Rural SHG Loans |
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