★ A Section 8 non-profit · Serving rural UP since 2017

Credit that builds livelihoods, not debt traps.

Radicate Microfinance Foundation delivers responsible, transparent small-ticket loans and financial literacy to women, farmers and micro-entrepreneurs in rural India.

Apply for a Loan → Customer Login

"Rooted in trust, growing together."

2017
Incorporated
Section 8
Not-for-profit company
UP
Eastern Uttar Pradesh

Quick Access

Find what you need in one click.

+ Apply for Loan ↻ Pay EMI ≡ View Statement ⌖ Find Branch
New customer? Get started in 5 minutes →
Our Products

Loans designed for real livelihoods

From the first sewing machine to a second dairy cow — flexible credit that matches how rural households actually earn and repay.

⚇

Group Loans (JLG)

Joint Liability Group loans for women collectives. Ticket size ₹15,000 – ₹60,000 with weekly or fortnightly repayments.

Learn more →
●

Individual Loans

For established micro-entrepreneurs — kirana, tailoring, dairy. Ticket size ₹30,000 – ₹1,50,000 with monthly EMIs.

Learn more →
⌂

Micro-enterprise Loans

Working capital and asset finance for small businesses up to ₹3,00,000 with reducing-balance interest.

Learn more →
+

Emergency & Health Loans

Quick top-up loans of ₹5,000 – ₹25,000 to handle medical bills, school fees and seasonal expenses.

Learn more →
$

Savings & Recurring Deposits

Safe, accessible savings products designed for daily wage earners and farm households.

Learn more →
★

Financial Literacy

Free village-level training on budgeting, credit, insurance and digital payments — in your local language.

Explore courses →
Fair
Transparent pricing
Local
Rooted in the community
Patient
Relationship-led lending
Since 2017
Section 8 non-profit
How it works

From application to disbursal in 4 simple steps

1

Apply online or visit branch

Fill a short form with basic details. No internet? Walk into your nearest branch.

2

KYC & field verification

Our officer visits your home or shop to verify documents and household details.

3

Group & credit review

For JLG, we form your group. For individuals, we run an internal credit check.

4

Sanction & disbursal

Loan amount is transferred directly to your bank account — usually within 7 working days.

Start your application →
What we stand for

The kind of lender we choose to be

These aren't slogans — they are the rules our field officers follow on every single visit.

Disclose everything, before signing

Every fee, every rate, every charge is written down in the borrower's local language and explained out loud — before any document is signed.

Lend within true capacity

We assess the household — not just the applicant — and lend an amount the family can actually repay without distress, even when that means lending less than asked.

Never coerce, never harass

Recovery is done with patience and dignity. We work with borrowers facing genuine difficulty to restructure repayments rather than escalate.

Borrower stories and testimonials will be added here once we have consent from members to publish them.

Radicate Microfinance Foundation — Rooted in trust, growing together
Verified & accountable

An institution you can verify, not just trust

  • ✓ Registered under Section 8 of the Companies Act, 2013 — all surplus is reinvested in our work, never distributed.
  • ✓ Our CIN — U65999UP2017NPL092954 — can be checked by anyone on the Government of India's MCA portal.
  • ✓ Every fee and rate is disclosed in writing, in your language, before you sign anything.
  • ✓ A working grievance system — raise a complaint at any branch or from your customer portal.

Ready to take the next step?

Apply online in under 5 minutes. Our field officer will reach out within 24 hours to schedule a visit.

Apply Now Find a Branch