This loan will be disbursed to the extent specified by the financial institution on the recommendation of the group and the concerned staff for any income generating project which will generate immediate income to any member belonging to the group except as prohibited by law. The interest rate on this loan is 15% and the service charge is 1.5%.
Borrower's Security
A saving account that must be deposited Rs. 100 per month by each member after getting the membership recognition. Members are encouraged to deposit until the sum of Rs 15,000. We provide interest on the basis of daily balance on this saving account.
Member can open this saving account with a minimum balance of Rs.100. In this savings, members can deposit and withdraw money as per their need. We provide interest on the basis of daily balance on this saving account.
All members of the group deposit money in this saving account. This saving account can be withdrawn subject to the decision of entire group member in regular group meeting. This savings can be utilized for the benefit of community containing majority of group members. We provide interest on the basis of daily balance on this saving account.
This saving account can be opened by members to utilize on difficult conditions like; accidents, natural calamities and each emergency cases. We provide interest on the basis of daily balance on this saving account.
The members enrolled in this savings scheme can deposit a minimum amount of Rs. 100 and a maximum of Rs. 5000 on a monthly basis for 10 years or up to 15 years. The member who chooses for 10 years will get one and a half or 1.5 times of the total amount deposited after that period and the member who chooses for 15 years will get twice the total amount deposited through related branch office. Through this savings scheme, it is sought to develop the habit of saving for the purpose of future activities of the members, especially for educational purposes or old age support.
This is a voluntary saving account. Group members can participate in this savings account for a minimum of Rs. 100 for their children. This savings is targeted for the bright future of the descendants of the members participating in this savings. We provide interest on the basis of daily balance on this saving account.
This is a voluntary savings account. If the group member and the member's family are insured with an insurance company, they can open this account for the purpose of paying the annual insurance premium. The Bittiya Sanstha will only facilitate the payment of insurance premium, the obligation to pay the insurance premium will be borne by the insured. We provide interest on the basis of daily balance on this saving account.
This is a voluntary savings account. Employees working in the organization can participate in this savings account. We provide interest on the basis of daily balance on this saving account.
The purpose of this account member is to replace the passbook. From the total amount deposited in the adjustment saving account, the amount will be converted into other savings titles along with repaying the member's loan, interest and savings. We provide interest on the basis of daily balance on this saving account.
This loan allows any member of the financial institution to purchase seeds, fertilizers, pesticides for agricultural production purposes on the recommendation of the group and related staff as well as to conduct seasonal business / business according to the skill and ability of the customer member. , To buy a vehicle, to buy a computer, marriage purpose and to pay for school fees or other fees for children. The interest rate on this loan is 15% and the service fee is 1.5%.
Discipline loan will be provided based on the disciplinary record in the case of the customer member to be invested. The annual disciplinary record of the member requesting such loan should be as prescribed by the financial institution or the member who does not have any record will be accepted. Members who have paid regular installments for at least 12 months with the first Normal loan will be considered eligible for this loan. The interest rate on this loan is 15% and the service fee is 1.5%.
This loan is given to the customer member who has consumed any loan of the financial institution for 1 year. This loan is disbursed for member's house construction, house maintenance. The interest rate on this loan is 15% and the service charge is 1.5%.
This loan will be disbursed to any member affiliated with the financial institution. This loan is provided for the purchase of fixed assets or working capital required by the member to operate the project. Or provided for both purposes. According to the criteria of micro enterprise loan of the financial institution, the loan is provided to the members after completing the procedures. The interest rate on this loan is 15% and the service fee is 1.5%.
Personal loan can be given to permanent residents who do not belong to the group but are within the jurisdiction of the branch. This loan is invested in the project-based business. The loan is invested only on the condition that it is fully utilized. The interest rate on this loan is 15% and the service charge is 1.5%.
Energy loan can be disbursed by any customer member of the financial institution on the recommendation of the group for construction of Gobar Gas, Solar, Sudhariyeko chulo, Panighatta, Solar Tuki and other energy purposes. Energy loan can be disbursed on the basis of loan repayment period and loan discipline of the concerned customer member with or without collateral. The interest rate on this loan is 14% and the service charge is 1.5%.
Except as prohibited by law, the loan may be disbursed to any customer member affiliated with the financial institution in case of destruction of the member's house, land, productive property or income generating business or in case of necessary emergency. The loan can be disbursed even if the member is using other loans. The interest rate on this loan is 15% and the service charge is 1.5%.
Woman Empowerment Description
