Group Loans-Income Generation Loans

CML provides loans under the Joint Liability Group (JLG) model to women entrepreneurs. The loans are based on a joint guarantee from members. The loan size ranges from Rs 15,000-Rs 80,000 for a maximum tenor of 24 months on a weekly/monthly repayment frequency. All disbursements are done in bank accounts (cashless).

Product Name Frequency Tenure Loan Amount (INR)
CENTRUM –MAITRI LOAN Monthly 12 Months From 15,000 up to 25,000
CENTRUM –SAMRUDDHI LOAN Monthly 24 Months Above 26,000 up to 80,000
CENTRUM -SARATHI LOAN Weekly 52 Weeks From 15,000 up to 30,000
CENTRUM-SVABHIMAAN LOAN Weekly 104 Weeks From 31,000 up to 80,000
CENTRUM-VISHWAS LOAN Monthly 24 Months From 35,000 up to 80,000
CENTRUM-UNNATI LOAN Weekly 104 Weeks Above 35,000 up to 80,000

Arogya Dhara (WASH)

Centrum Microcredit ‘Aarogya Dhaara’ product in collaboration with provides financial assistance in the form of micro-loans to enable access to safe water and sanitation.

Loan Product Loan Amount Repayment period (months) Interest rate (Tentative)
Toilet improvement loan Rs 10,000-15,000 1 or 2 years 21.94%
House Water Connection / Piped Water / Water Storage Rs 15,000– 20,000 1 or 2 years 21.94%
Borewell or Hand Pump Rs 25,000-30,000 1 or 2 years 21.94%
New Toilet (Septic / Pit) Rs 30,000 1 or 2 years 21.94%