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Loans & Services

Six products. One promise — fair, transparent, repayable.

Group Loan

Joint Liability Group (JLG)

Designed for groups of 5–10 women who know and trust each other. Members co-guarantee each other's loans, replacing collateral with social capital.

  • Ticket size: ₹15,000 – ₹60,000
  • Tenure: 12 – 24 months
  • Interest rate: 22% – 24% p.a. (reducing balance)
  • Repayment: Weekly or fortnightly at group meeting
  • No collateral required
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Eligibility

  • Woman aged 18–58
  • Annual household income up to ₹3,00,000
  • Resident of branch operating area for 12+ months
  • Aadhaar + one address proof
  • Active member of a Radicate JLG

Eligibility

  • Age 21–60
  • Operating an income-generating activity for 12+ months
  • Existing Radicate member preferred (or referred by group)
  • Aadhaar, PAN, address proof, business proof
  • Repayment ability verified by field visit
Individual Loan

Individual Liability Loan

For established micro-entrepreneurs who have outgrown group lending and need a larger, longer ticket — without giving up the relationship-based approach.

  • Ticket size: ₹30,000 – ₹1,50,000
  • Tenure: 12 – 36 months
  • Interest rate: 21% – 23% p.a. (reducing balance)
  • Repayment: Monthly EMI
  • No collateral; co-signer may be required above ₹75,000
Apply now →
Enterprise Loan

Micro-enterprise Loan

Working capital and asset finance for small businesses, dairy farms, food processing units and kirana stores.

  • Ticket size: ₹75,000 – ₹3,00,000
  • Tenure: 12 – 36 months
  • Interest rate: 20% – 22% p.a. (reducing balance)
  • Repayment: Monthly EMI
  • Asset finance proof required for asset-purchase loans
Apply now →

Common uses

  • Buying a dairy buffalo or cow
  • Adding inventory to a kirana store
  • Purchasing a small machine (sewing, atta chakki, embroidery)
  • Expanding a tailoring or food-processing unit
  • Buying a two-wheeler for delivery use
Other Products

For the unexpected — and the everyday

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Emergency Loan

Top-up loans of ₹5,000 – ₹25,000 for medical bills, school fees and other urgent needs. Disbursed within 48 hours to existing customers in good standing.

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Recurring Deposit

Safe, accessible savings starting at ₹100/month. Interest rates competitive with regional rural banks. Withdrawal at any branch.

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Credit-linked Insurance

Optional life and accident cover bundled with your loan, underwritten by an IRDAI-licensed insurer. Settles the outstanding loan in case of unforeseen events.

Important

What you should always check before signing

Radicate provides a Key Fact Statement in your local language before disbursal. Read every line. If something is unclear, ask. Our officers are trained to explain — never to hurry you.

All-in cost & fees

Interest rate, processing fee (max 1% + GST), insurance premium and any other charge will be listed item-by-item, before you sign anything.

Pre-payment & foreclosure

You can pre-pay any time. Foreclosure charges, if any, are disclosed upfront and never exceed RBI norms. There are no hidden penalties.