About Jyothika
Jyothika Micro Finance Pvt. Ltd. is a microfinance company. We give small, fair loans to women, families and small shops.
“Jyothi” means light.
We want every woman to see her money clearly: what she borrows, what she pays each month, and how it helps her family and her work grow.
Why we exist
Many women have the skill to earn but not the small amount of money needed to start: a sewing machine, stock for a shop or school fees. Too often the only choice is a moneylender with very high interest.
We offer a better choice: small loans with clear terms, simple documents and people who take time to explain. We focus on women, because when a woman earns and manages money, the whole family benefits.
We also serve daily earners, small shop owners and first-time borrowers who banks often turn away, and help them build a good repayment record.
How we work
Our field staff meet women where they live and work, and explain every step in person.
Clear
You see what you borrow, what you pay each month and the total, before you sign.
Growth
A small loan, used well, can start a business, pay for school or get a family through a hard month.
Fair
No hidden charges. We never push anyone to borrow more than they can repay.
Respect
We listen, explain patiently and treat every customer with dignity.
Company details
- Registered name
- Jyothika Micro Finance Pvt. Ltd.
Jyothika Micro Finance Pvt. Ltd. does not accept public deposits.
Saving with chit funds
Besides loans, we run registered chit groups from ₹50,000 to ₹10 Lakh, for families who want to save every month.