Collateral-free individual loans at your doorstep across North Bengal — with clear interest, a receipt for every payment, and respect at every step.
How to get a loan Need help?We believe a woman with access to fair credit can change her family's future. We lend small amounts to women in their own name — for a cow, a sewing machine, a village shop or a vegetable stall — with a family member as co-borrower, and our employees come to their home, so they never have to travel.
A loan in your own name, with a family member as co-borrower; no property needed.
Applications, documents and repayments happen at your home.
Aadhaar eSign, a Key Facts Statement before signing, and a verifiable receipt for every rupee paid.
Five simple steps. You never pay anything to apply.
Meet our field officer at your home or the branch and tell us what you need.
KYC, a house visit and a credit check — free of charge.
You get the Key Facts Statement in Bengali showing the full cost, and confirm by OTP.
Sign by Aadhaar eSign; the money goes straight to your own bank account.
Pay small instalments by the QR on your EMI card or to our employees at home, and get a receipt every time.
All rates are per year on a reducing balance — you pay interest only on what you still owe. The exact cost, including the Annual Percentage Rate (APR), is shown in your Key Facts Statement before you sign.
Actually charged on loans disbursed in Q3 (Jul–Sep 2026).
| Loan amount | Interest p.a. | Instalments | Total interest | Fees | Total you pay | APR* |
|---|---|---|---|---|---|---|
| ₹10,000 | 52.50% | 24 × ₹540 (every 15 days, 12 months) | ₹2,960 | ₹0 | ₹12,960 | 68.09% |
| ₹15,000 | 52.50% | 24 × ₹810 (every 15 days, 12 months) | ₹4,440 | ₹0 | ₹19,440 | 68.09% |
| ₹20,000 | 52.50% | 24 × ₹1,080 (every 15 days, 12 months) | ₹5,920 | ₹0 | ₹25,920 | 68.09% |
| ₹22,500 | 52.50% | 24 × ₹1,215 (every 15 days, 12 months) | ₹6,660 | ₹0 | ₹29,160 | 68.09% |
| ₹25,000 | 52.50% | 24 × ₹1,350 (every 15 days, 12 months) | ₹7,400 | ₹0 | ₹32,400 | 68.09% |
| ₹30,000 | 52.50% | 24 × ₹1,620 (every 15 days, 12 months) | ₹8,880 | ₹0 | ₹38,880 | 68.09% |
| ₹35,000 | 52.50% | 24 × ₹1,890 (every 15 days, 12 months) | ₹10,360 | ₹0 | ₹45,360 | 68.09% |
| ₹40,000 | 41.66% | 48 × ₹1,235 (every 15 days, 24 months) | ₹19,280 | ₹0 | ₹59,280 | 51.14% |
| ₹40,000 | 46.63% | 36 × ₹1,555 (every 15 days, 18 months) | ₹15,980 | ₹0 | ₹55,980 | 58.70% |
| ₹40,000 | 52.50% | 24 × ₹2,160 (every 15 days, 12 months) | ₹11,840 | ₹0 | ₹51,840 | 68.09% |
| ₹45,000 | 53.38% | 24 × ₹2,440 (every 15 days, 12 months) | ₹13,560 | ₹0 | ₹58,560 | 69.54% |
| ₹45,000 | 47.11% | 36 × ₹1,755 (every 15 days, 18 months) | ₹18,180 | ₹0 | ₹63,180 | 59.45% |
| ₹45,000 | 41.30% | 48 × ₹1,385 (every 15 days, 24 months) | ₹21,480 | ₹0 | ₹66,480 | 50.60% |
| ₹50,000 | 52.50% | 24 × ₹2,700 (every 15 days, 12 months) | ₹14,800 | ₹0 | ₹64,800 | 68.09% |
| ₹50,000 | 47.11% | 36 × ₹1,950 (every 15 days, 18 months) | ₹20,200 | ₹0 | ₹70,200 | 59.45% |
| ₹50,000 | 41.01% | 48 × ₹1,535 (every 15 days, 24 months) | ₹23,680 | ₹0 | ₹73,680 | 50.18% |
| ₹55,000 | 47.11% | 36 × ₹2,145 (every 15 days, 18 months) | ₹22,220 | ₹0 | ₹77,220 | 59.45% |
| ₹60,000 | 47.11% | 36 × ₹2,340 (every 15 days, 18 months) | ₹24,240 | ₹0 | ₹84,240 | 59.45% |
| ₹60,000 | 41.20% | 48 × ₹1,845 (every 15 days, 24 months) | ₹28,560 | ₹0 | ₹88,560 | 50.45% |
| ₹150,000 | 41.51% | 48 × ₹4,625 (every 15 days, 24 months) | ₹72,000 | ₹0 | ₹222,000 | 50.91% |
* APR (Annual Percentage Rate) is the all-in yearly cost of the loan, counting interest and every upfront fee, on the amount you actually receive. Your own Key Facts Statement shows the exact APR for your loan before you sign.
Penal charges apply only on overdue amounts and are never added to the interest rate.
These promises come from our Fair Practices Code and apply to every loan.
A Key Facts Statement in Bengali with the full cost and APR before you sign anything.
Every term explained in Bengali; a copy of every signed document for you.
A receipt for every payment, and only the instalment shown on your card.
No threats, abuse or harassment. Our employees contact you only between 8 a.m. and 7 p.m.
Close your loan early at any time without any penalty.
Given as soon as the loan is fully repaid; any cheque returned to you.
Used only for your loan, shared only as the law requires (e.g. credit bureaus).
Loans decided on need and repayment capacity — never on religion, caste or disability.
Visit any branch office between 10 a.m. and 5 p.m., Monday to Saturday.
alipurduar westbengal
TESTING ONLY - not a real branch
Our policies, approved by our Board, in English and Bengali.
We do not use outside recovery agents. Instalments are collected only by our own employees, who carry photo identity cards.
None. We do not use any lending service provider or digital lending app.
None. We have no co-lending arrangement.
Our policies will be published here shortly.
Unhappy with any of our employees, a charge, or how a payment was handled? Tell us — complaining is free and you will never be treated badly for it. We reply within 30 days.
Tell your branch manager, call 8287232058, or use the form on this page.
Not satisfied with the reply? Write to our Grievance Officer (details below).
kiran devi gupta, Director
📞 8287232058 · ✉ [email protected]
BERIWAL NIWAS, KHUDIRAMPALLY , SB SARANI , 734001 , WESTBENGAL