Group Loan for Women
Women borrow together and support each other to repay on time.
Is the Group Loan right for you?
This is our main loan. Women come together as a group, usually neighbours or friends. Each woman takes her own loan. The group meets regularly to support each other and keep payments on track.
Many women have the skill to earn but need a small amount to start. It could be a sewing machine, a few goats or stock for a small shop. A group loan helps with that first step, without a lot of paperwork.
You pay back in small, regular amounts that fit your household budget. Before you sign, our team explains the amount, the payment dates and the total you will pay back.
What you get
Group support
Members know each other and help each other repay.
Small, regular payments
Payments are planned to fit a small, steady income.
Basic documents
Aadhaar, PAN and photos. Our team helps with the forms.
Help when you need it
Ask us on WhatsApp or at your group meeting.
Who can apply
- Women aged 18 to 60
- Member of a group formed with Jyothika, usually women from the same area
- Able to attend regular group meetings
- Has a small income, or a plan to start one
Documents you need
- Aadhaar card
- PAN card (or Form 60)
- Two passport-size photos
- Address proof (if different from Aadhaar)
- Bank passbook or account details
Our team will confirm exactly what is needed for you.
How to get the Group Loan
Four steps. Here is what you do, and what we do.
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.
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.
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.
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)
₹2,221
You pay ₹2,221 a month for 12 months.
- Loan
- ₹25,000
- Interest
- ₹1,655
- Total you pay
- ₹26,655
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
Group Loan questions
How many women are needed to form a group?
It depends on the area and company policy. Message us on WhatsApp and we will explain how groups are formed near you.
Do I pay only my own loan?
Yes. Each member takes and repays her own loan. The group supports its members. Our team explains the group's role before you join.
How often are group meetings held?
Meetings happen at a regular time agreed when the group starts. They are short and are also used to collect payments.
Can I get a bigger loan later?
Members who repay on time may get a larger loan in the next cycle, based on eligibility and company policy.
Other loans you may need
Buy a fridge, TV, washing machine or cooler on monthly EMIs.
From ₹10,000
View details