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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 Size (Rs.) Rate of Interest PA (Reducing) Type of Interest rate (Flat or Reducing) Mode of Repayment Loan
Processing Charges
Tenure (in months) Moratorium
1 Business Promotion Loan Upto 60K max limit    
( New Client Upto Rs. 40000+ there after cycle increase Rs. 20000.)
26.50% Reducing Fortnightly 1.5+GST (FOR WB),
2% +GST (FOR OTHER STATE)
1Year 1 Installment
2 Business Promotion Loan Upto 60K max limit    
( New Client Upto Rs. 40000+ there after cycle increase Rs. 20000.)
26.50% Reducing Fortnightly 1.5+GST (FOR WB),
2% +GST (FOR OTHER STATE)
1.5Year 1 Installment
3 Business Scale Up Loan 45K- 60K 26.50% Reducing Fortnightly 1.5+GST (FOR WB),
2% +GST (FOR OTHER STATE)
1.5  Years 1 Installment
4 Business Scale Up Loan 65K-100K 26.00% Reducing Fortnightly 1.5+GST (FOR WB),
2% +GST (FOR OTHER STATE)
2  Years 1 Installment

ii ) Managed Product

Sl No. Product Name Loan Size (Rs.) Rate of Interest PA (Reducing) Type of Interest rate (Flat or Reducing) Mode of Charges Tenure Moratorium
Repayment (in months)
5 SBI Co - Lending Upto 3 Lakh max limit    
( New Client Upto Rs. 100000+ there after cycle increase Rs. 50000.)
19.45% Reducing Monthly 1%+GST (all states) 12-36 Months Nil
6 SIDBI PRAYAAS LOAN 100K-200K 18.00% Reducing Monthly 1%+GST (all states) 12-36 Months Nil

Terms & Conditions :

  1. Client's KYC & Bank accounts are a must.                                                              
  2. Loan shall be completely collateral-free.                                                              
  3. Prepayment is allowed but no additional penalty shall be charged by UFSPL.                      
  4. Maximum Gross household income up to Rs.3,00,000
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