Jyothika Micro Finance Pvt. Ltd. — Empowering Women Financially
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Daily Wage Worker Loan

A small loan with payments that fit daily or weekly earnings.

Smiling woman in a headscarf holding a large bowl at a building site

Is the Daily Wage Loan right for you?

Daily earners keep our towns and villages running, but banks often turn them away because they have no salary slip. Many end up borrowing from moneylenders at very high interest. This loan is a fairer choice.

It is a small loan with simple documents for people paid daily or weekly. You can use it for a family emergency, school costs, tools for your work, or to pay off an expensive informal loan.

Our team will listen to your situation and help you choose an amount and payment plan you can manage. Every term is explained in simple words before you agree.

What you get

  • Small amounts

    Borrow only what you need.

  • Payments that fit

    Planned around daily or weekly earnings.

  • No salary slip needed

    Aadhaar and basic KYC documents.

  • Respect for every customer

    Our team listens and explains patiently.

Who can apply

  • Age 18 to 60
  • Regular daily or weekly earnings
  • Lives in our service area

Documents you need

  • Aadhaar card
  • PAN card (or Form 60)
  • Two passport-size photos
  • Address proof
  • Bank account details

Our team will confirm exactly what is needed for you.

How to get the Daily Wage Loan

Four steps. Here is what you do, and what we do.

Two field staff sitting with a circle of village women at an outdoor meeting
A field meeting with a village women's group.
  1. Step 1: Message us on WhatsApp

    You: Tap any WhatsApp button and send the message. Tell us which loan you need.

    We: We reply with the next steps and the documents for your loan.

  2. Step 2: Share your documents

    You: Send copies of the documents we ask for. Keep the originals ready.

    We: We tell you if anything is missing. Nothing more is needed.

  3. Step 3: Verification

    You: Answer a short call, or meet our team at home or at your shop.

    We: We check your details and explain the amount, interest, fees, EMI and total in writing.

  4. Step 4: Get your money

    You: Read and sign the loan agreement if you agree with the terms.

    We: The money goes to your bank account, with your repayment schedule.

Work out your EMI

Your EMI (the money you pay back each month)

₹1,777

You pay ₹1,777 a month for 12 months.

Loan
₹20,000
Interest
₹1,324
Total you pay
₹21,324
Enquire on WhatsApp for this amount (opens in a new tab)

Amounts and EMIs are a guide only, not a loan offer. Your final amount, interest and terms depend on your eligibility and company policy.

Send an enquiry

Your details go only through your own WhatsApp. This website does not store them.

Daily Wage Loan questions

I have no salary slip. Can I apply?

Yes. This loan is made for people without a salary slip. Our team understands your work and earnings during verification.

Can I pay weekly?

It depends on the product and company policy. Ask us which schedule fits your earnings.

Can I use it to pay off a moneylender?

Yes. Many customers use it to clear expensive informal loans. We can help you plan this.

Do I need a bank account?

Usually yes, to receive the loan and make payments. If you don't have one, ask us for help.

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Next steps