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CIN : U67120WB1995PTC071237

Product and Services

Uttrayan provides micro credit to the deprived women of the society to smooth their livelihood and give them a better standard of living. Various loan products are as follows -

i) Own Product

Sl No. Product Name Loan Amount (Rs.) Rate of Interest PA (Reducing) Mode of Repayment Charges Tenure ( in months) Moratorium
1 Small 8,000 - 30,000 24% Fortnightly/ Monthly 1% Loan Processing Fee + 18% GST of LPF+ 0.994 % insurance premium of Loan amount 12 1 installment
2 General 31,000 - 50,000 24% Fortnightly /Monthly 1% Loan Processing Fee + 18% GST of LPF + 1.988 % insurance premium of Loan amount 24 1 Installment
3 Education 5,000 - 10,000 22% Bi-weekly 1 % loan processing fee 6 1 Installment
4 Micro Housing 20,000 - 75,000 25% Monthly 1% Processing Fee + 18% GST of LPF + 2.982 % insurance premium of loan amount 36 2 Installments
5 SME 1,00,000 23% Monthly 1% Processing Fee + 18% GST of LPF + 1 .988 % insurance premium of loan amount 24 1 Installment

ii ) Product Under BC

Sl No. Product Name Loan Amount (Rs.) Rate of Interest PA (Reducing) Mode of Repayment Charges Tenure ( in months) Moratorium
1 IDBI Bank BC Upto 50,000 23% Monthly Nil 24 Nil
2 Lakshmi Vilas Bank BC Upto 50,000 24% Fortnightly 1% Loan Processing Fee + 18% GST of LPF+ 0.994 % insurance premium of Loan amount (Member & Spouse) 12 Nil

Terms & Conditions :

  1. Client's KYC & Bank accounts are a must.
  2. Loan shall be completely collateral free.
  3. Total Indebtedness of the borrower shall not exceed Rs.1,00,000.
  4. Prepayment is allowed but no additional penalty shall be charged by UFSPL.
  5. Small,General & SME loans shall be sanctioned only for income generating activities.
  6. Maximum Gross household income in Rural and Non Rural areas shall be Rs.1,00,000 and Rs. 1,61,000 p.a respectively.
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