Small loans that help women grow their family's income

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?
🏛 SAMPOURNASAMUH MICROSERVICE FOUNDATION 🧾 Receipt for every payment 🔍 No hidden charges 🗣 Explained in Bengali
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7Branches in North Bengal
₹0Fee to apply
NILPre-payment charge
30 daysEvery complaint answered
বাংলাEvery document explained
Who we are

About us

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.

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Individual loans

A loan in your own name, with a family member as co-borrower; no property needed.

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At your doorstep

Applications, documents and repayments happen at your home.

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Safe and transparent

Aadhaar eSign, a Key Facts Statement before signing, and a verifiable receipt for every rupee paid.

Simple process

How it works

Five simple steps. You never pay anything to apply.

Apply

Meet our field officer at your home or the branch and tell us what you need.

Verification

KYC, a house visit and a credit check — free of charge.

Read the KFS

You get the Key Facts Statement in Bengali showing the full cost, and confirm by OTP.

Sign & receive

Sign by Aadhaar eSign; the money goes straight to your own bank account.

Repay with receipts

Pay small instalments by the QR on your EMI card or to our employees at home, and get a receipt every time.

Transparent pricing

Loans & interest rates

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.

40.89%Minimum rate charged
53.38%Maximum rate charged
52.19%Average rate charged

Actually charged on loans disbursed in Q3 (Jul–Sep 2026).

Loan fact sheet

Loan amountInterest p.a.InstalmentsTotal interestFeesTotal you payAPR*
₹10,00052.50% 24 × ₹540 (every 15 days, 12 months) ₹2,960₹0₹12,96068.09%
₹15,00052.50% 24 × ₹810 (every 15 days, 12 months) ₹4,440₹0₹19,44068.09%
₹20,00052.50% 24 × ₹1,080 (every 15 days, 12 months) ₹5,920₹0₹25,92068.09%
₹22,50052.50% 24 × ₹1,215 (every 15 days, 12 months) ₹6,660₹0₹29,16068.09%
₹25,00052.50% 24 × ₹1,350 (every 15 days, 12 months) ₹7,400₹0₹32,40068.09%
₹30,00052.50% 24 × ₹1,620 (every 15 days, 12 months) ₹8,880₹0₹38,88068.09%
₹35,00052.50% 24 × ₹1,890 (every 15 days, 12 months) ₹10,360₹0₹45,36068.09%
₹40,00041.66% 48 × ₹1,235 (every 15 days, 24 months) ₹19,280₹0₹59,28051.14%
₹40,00046.63% 36 × ₹1,555 (every 15 days, 18 months) ₹15,980₹0₹55,98058.70%
₹40,00052.50% 24 × ₹2,160 (every 15 days, 12 months) ₹11,840₹0₹51,84068.09%
₹45,00053.38% 24 × ₹2,440 (every 15 days, 12 months) ₹13,560₹0₹58,56069.54%
₹45,00047.11% 36 × ₹1,755 (every 15 days, 18 months) ₹18,180₹0₹63,18059.45%
₹45,00041.30% 48 × ₹1,385 (every 15 days, 24 months) ₹21,480₹0₹66,48050.60%
₹50,00052.50% 24 × ₹2,700 (every 15 days, 12 months) ₹14,800₹0₹64,80068.09%
₹50,00047.11% 36 × ₹1,950 (every 15 days, 18 months) ₹20,200₹0₹70,20059.45%
₹50,00041.01% 48 × ₹1,535 (every 15 days, 24 months) ₹23,680₹0₹73,68050.18%
₹55,00047.11% 36 × ₹2,145 (every 15 days, 18 months) ₹22,220₹0₹77,22059.45%
₹60,00047.11% 36 × ₹2,340 (every 15 days, 18 months) ₹24,240₹0₹84,24059.45%
₹60,00041.20% 48 × ₹1,845 (every 15 days, 24 months) ₹28,560₹0₹88,56050.45%
₹150,00041.51% 48 × ₹4,625 (every 15 days, 24 months) ₹72,000₹0₹222,00050.91%

* 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.

Schedule of charges

Processing feeNIL
InsuranceNIL
Penal charges (late payment)Penal charges at 30% per annum on the overdue instalment amount only, for the number of days it remains unpaid. Not compounded, not added to the rate of interest, and no interest is charged on penal charges
Pre-payment / foreclosureNIL
Cheque / payment bounce₹300+ GST as applicable per dishonoured cheque or failed payment instruction (only once per instalment)
Any other chargeNIL
Cooling-off period3 days — exit without penalty

Penal charges apply only on overdue amounts and are never added to the interest rate.

Fair practices

Your rights as our borrower

These promises come from our Fair Practices Code and apply to every loan.

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Key Facts first

A Key Facts Statement in Bengali with the full cost and APR before you sign anything.

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Your language

Every term explained in Bengali; a copy of every signed document for you.

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Receipt every time

A receipt for every payment, and only the instalment shown on your card.

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Respectful recovery

No threats, abuse or harassment. Our employees contact you only between 8 a.m. and 7 p.m.

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Repay early, free

Close your loan early at any time without any penalty.

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No-dues certificate

Given as soon as the loan is fully repaid; any cheque returned to you.

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Your data is private

Used only for your loan, shared only as the law requires (e.g. credit bureaus).

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No discrimination

Loans decided on need and repayment capacity — never on religion, caste or disability.

⚠ Beware of fraud

Pay safely — protect your money

  • Pay only by scanning the QR code printed on your EMI cardNever pay to any other QR code, UPI ID or an employee's personal number.
  • We never charge anything to give a loanAnyone asking for money to "pass" your loan is a fraud — report them.
  • Never share your OTP, PIN or Aadhaar OTP on a phone callOur employees will never ask for them.
  • Check the employee ID card and take a receiptCash only to our employees with a company ID card, always against a receipt.
Near you

Our branches

Visit any branch office between 10 a.m. and 5 p.m., Monday to Saturday.

📍 Alipurduar

alipurduar westbengal

📍 Belakoba

📍 Bidhannagar

📍 Ghoksadanga

📍 Jalpaiguri

📍 Siliguri

📍 Testing Branch

TESTING ONLY - not a real branch

RBI disclosures

Policies & disclosures

Our policies, approved by our Board, in English and Bengali.

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Recovery agents

We do not use outside recovery agents. Instalments are collected only by our own employees, who carry photo identity cards.

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Lending partners (LSP / DLA)

None. We do not use any lending service provider or digital lending app.

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Co-lending

None. We have no co-lending arrangement.

Our policies will be published here shortly.

Complaints & help

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.

1
Branch / customer care

Tell your branch manager, call 8287232058, or use the form on this page.

2
Grievance Redressal Officer

Not satisfied with the reply? Write to our Grievance Officer (details below).

Grievance Redressal Officer

kiran devi gupta, Director
📞 8287232058 · ✉ [email protected]
BERIWAL NIWAS, KHUDIRAMPALLY , SB SARANI , 734001 , WESTBENGAL

Register a complaint