About

Home / About

Comprehensive Guide to Our Loan Services

Personal Loans

Personal Loans from SHREE GRAHNI MICROFINANCE are designed for individuals who need financial support for a wide range of personal needs. Whether it’s for medical emergencies, education, home improvement, or marriage, our personal loans are tailored to be flexible and accessible.

We understand that life can be unpredictable, and access to immediate funds can make a significant difference. That’s why our application process is streamlined, documentation requirements are minimal, and disbursal is prompt. Our interest rates are competitive, and we offer flexible repayment options that accommodate your financial capacity.

Unlike traditional banks, we do not require collateral for small to medium-size loans. Our focus is on your intent and ability to repay. We evaluate your application based on your financial behavior, household income, and personal circumstances. Our trained loan officers work closely with clients to guide them through the process and ensure that they understand the terms clearly.

Group Loans

Group Loans are a powerful tool for fostering community collaboration and mutual accountability. These loans are typically extended to groups of individuals who share a common livelihood, often women from self-help groups (SHGs) or community-based organizations. The group lending model builds social capital and encourages savings, financial literacy, and responsible borrowing.

Each group usually consists of 5–20 members who co-guarantee each other's loans. This collective responsibility creates a strong incentive for timely repayment and financial discipline. Members support one another not only by ensuring repayments but also by sharing knowledge and experience.

Our group loans support a range of activities including agriculture, artisan work, micro-retailing, animal husbandry, and other income-generating enterprises. The funds can also be used for education, healthcare, and household improvements. We believe that when women in particular are empowered with financial tools, entire families and communities benefit.

Group meetings are held regularly where members discuss financial planning, track repayments, and receive guidance from our field officers. This ongoing engagement ensures that all members stay informed and motivated, and helps us address challenges proactively.

Small Business Loans

Our Small Business Loans are designed to support budding entrepreneurs and small-scale business owners who need capital to start or expand their ventures. From local shopkeepers and tailors to service providers and craftsmen, these loans serve as a catalyst for growth and job creation.

Starting or scaling a business often requires initial investment—whether it’s to purchase inventory, upgrade equipment, rent a workspace, or hire additional staff. SHREE GRAHNI MICROFINANCE offers loans up to ₹5 lakh with flexible terms, customized to suit the business model and cash flow.

We do not believe in a one-size-fits-all solution. Instead, our loan officers spend time understanding the business needs, market conditions, and repayment capabilities before recommending the appropriate product. In addition to financial support, we provide basic business training and mentorship opportunities to help borrowers succeed.

Our clients include vegetable vendors, beauty parlor owners, mobile repair shop owners, carpenters, and many others who are driving local economies. These entrepreneurs often lack formal documentation, but we support them through alternative verification methods, including local references, utility bills, and field visits.

Benefits of Borrowing from Shree Grahni Microfinance

Choosing SHREE GRAHNI MICROFINANCE for your financial needs comes with several advantages:

• ✔ Transparent Terms: No hidden fees or unfair charges.
• ✔ Low Interest Rates: Affordable rates that fit your budget.
• ✔ Fast Disbursal: Quick turnaround time from approval to payment.
• ✔ Flexible Repayment: Customized EMIs based on income cycle.
• ✔ Financial Literacy: Guidance and training to manage money wisely.
• ✔ Doorstep Services: Our agents visit your location for convenience.

Eligibility Criteria

While our aim is to be inclusive, we ensure responsible lending through basic eligibility checks:

• ✔ Applicant must be at least 21 years of age.
• ✔ Applicant should have a stable income source (individual or group).
• ✔ Must reside in the service area (Rajasthan and nearby regions).
• ✔ Basic KYC documents (Aadhaar, PAN, utility bill, photo).
• ✔ For business loans, a basic business plan or explanation is required.

How to Apply

Applying for a loan at SHREE GRAHNI MICROFINANCE is simple and hassle-free. Here’s how:

1. 1. Visit our branch or talk to our field officer.
2. 2. Fill in a simple application form with your details.
3. 3. Submit basic identification and address proof.
4. 4. If needed, attend a short orientation session.
5. 5. Your application is reviewed and processed within 3–5 days.
6. 6. Once approved, funds are disbursed directly to your account or in cash.

Our Commitment to the Community

At SHREE GRAHNI MICROFINANCE, we go beyond lending. We are deeply rooted in the communities we serve and are committed to their holistic development. We regularly organize workshops on financial literacy, women's empowerment, digital banking, and basic entrepreneurship. Our aim is to build lasting relationships and create sustainable impact.

Our team members are trained to treat every customer with respect, empathy, and professionalism. We celebrate success stories, but also learn from challenges. Your journey is our journey, and we take pride in being part of your financial growth story.

Join the Shree Grahni Family

Thousands of satisfied clients trust SHREE GRAHNI MICROFINANCE for their financial needs. Whether you're an individual seeking personal support, a group striving for collective success, or an entrepreneur ready to scale up, we are here to support you. Reach out to us today and take the first step toward financial independence and prosperity.