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ஆசிர்வாத் மைக்ரோபைனான்ஸ் லிமிடெட்          Asirvad Micro Finance Limited          आशीर्वाद माइक्रोफिनॅन्स लिमिटेड         ആശിർവാദ് മൈക്രോഫിനാൻസ് ലിമിറ്റഡ്          ಆಶೀರ್ವಾದ್ ಮೈಕ್ರೋಫೈನಾನ್ಸ್ ಲಿಮಿಟೆಡ್          ਅਸਿਰਵਾਦ ਮਿਕਰੋਫਈਨਂਸੇ ਲਿਮਿਟੇਡ          ଆଶୀର୍ବାଦ ମଇକ୍ରୋଫାଇନାନ୍ସ ଲିଃ          আশির্বাদ মাইক্রো ফাইনান্স লিমিটেড

Micro Finance

At present, Asirvad Micro Finance caters to three type of loans such as Income Generation Program Loan (IGP), Product Loan and Small and Medium Enterprise Loan (SME).

Approach for Gradation of Risk

The process of gradation of risk and interest determination is done in a uniform format by considering factors such as cost of funds, liquidity risk premium, operation expenses, margin, and credit risk premium.

Income Generation Program

Size

₹20,000 - ₹80,000

Tenure

24 months

Interest

24%

Product Loan

Size

₹3000 - ₹ 10000

Tenure

13months -23 months

Interest

24%

Mid Term Loan

Size

₹7,500 - ₹15,000

Tenure

12months -18 months

Interest

24%