SHG Group Loan 2025 – Apply Process, Eligibility & Benefits

SHG Group Loan ke bare me complete guide: Eligibility, documents, loan amount, interest rate aur apply process

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Introduction

Self Help Group (SHG) Group Loan ek popular financial scheme hai jo India me rural women aur low-income communities ke liye designed hai. Ye loan un groups ko diya jata hai jo apas me milkar savings aur credit activities karte hain.

Agar aap ek SHG member hain aur apne business, farming ya self-employment ke liye finance chahte hain, toh SHG Group Loan ek aasan aur beneficial option hai.

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SHG Group Loan Kya Hai?

• SHG Group Loan ek collective loan hai jo Self Help Groups (SHGs) ko diya jata hai.

• Ye loan specially un groups ke liye hota hai jo joint savings aur mutual credit activities karte hain.

• Loan amount group members ke requirements aur bank ke norms par depend karta hai.

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Eligibility for SHG Group Loan

1. Applicant SHG ka registered member hona chahiye

2. SHG ka savings account bank me hona chahiye

3. Group me usually 10–20 members hone chahiye

4. Regular group meetings aur savings record hona chahiye

5. Good repayment history

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Documents Required

• SHG registration certificate

• Aadhaar Card of members

• Address proof of group

• Bank passbook of group account

• Group meeting minutes / savings record

• Project proposal (agar loan business purpose ke liye hai)

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SHG Group Loan Amount

• Generally ₹50,000 – ₹5 Lakh (group size aur requirement par depend karta hai)

• Initial loan amount chhota hota hai, repayment ke baad bank loan limit increase kar deta hai

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Interest Rate

• Usually 7% – 12% p.a. (Bank / NBFC / State Government scheme par depend karta hai)

• Government subsidies bhi available ho sakti hain

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SHG Group Loan Apply Process

Step-by-Step Process:

1. Apne SHG ka bank account maintain karein

2. Group members ke sath meeting karke loan purpose decide karein

3. SHG registration aur required documents collect karein

4. Nearest bank / MFIs visit karein jo SHG loan provide karte hain

5. Loan application form fill karein aur documents submit karein

6. Bank verification ke baad loan amount disburse hota hai

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Benefits of SHG Group Loan

• Low interest rate

• Collateral-free loan option

• Women empowerment aur livelihood generation

• Flexible repayment options

• Access to larger credit in future

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FAQs – SHG Group Loan

Q1. SHG Group Loan ke liye kaun apply kar sakta hai?
👉 Registered SHG members with a bank account.

Q2. Loan amount kitna milta hai SHG Group Loan me?
👉 ₹50,000 – ₹5 Lakh, group size aur repayment history par depend karta hai.

Q3. Kya collateral chahiye SHG loan ke liye?
👉 Nahi, mostly SHG loans collateral-free hote hain.

Q4. Interest rate kitna hota hai?
👉 7% – 12% p.a. (scheme par depend karta hai).

Q5. SHG Group Loan ka use kis purpose ke liye hota hai?
👉 Small business, agriculture, artisan work, dairy farming, handicrafts, etc.

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Conclusion

SHG Group Loan rural development aur women empowerment ka ek powerful tool hai. Agar aap ek SHG member hain aur apne group ke liye financial support chahte hain, toh SHG Group Loan apply karke apna livelihood better bana sakte hain.

👉 Apply now: Apne nearest bank branch / MFI se contact karein.

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