Income-generation loans are our principal loan product offered to women in rural areas, intended to provide capital for their small businesses. The loans are offered for businesses in multiple sectors. Income generating loans are backed with group guarantee in a joint liability group.

Lack of capital is identified as one of the most important obstacles for disadvantaged women to venture into entrepreneurship. Through our IGL package, we aim to provide financial support to disadvantaged women who have the potential to uplift themselves in the society, but investment has been the hindering factor all while.

Pradanam provides loans to micro enterprises – for initial investment and for expanding businesses. The loans are offered in different cycles.

Loan Amount - Rs. 20,000 - Rs. 50,000
Tenure - 12/18/24 months
Rate of Interest - 24 to 26 % P.A.

We support small landholder women farmers by providing them easy micro loans for their farming related activities including crop production, seeds purchase, fertilizer purchase, pesticides purchase, manure purchase and fodder and cattle feed for their livestock and cattle, labour, costs incurred in farming improvement, etc. Our organization provide major proportion of the total cost of their agriculture capital needed and the remaining cost is borne by the farmers themselves, which awakens the feeling of self-reliance in them and we will be able to contribute to the growth and development of their community as well.

This will not only improve the economic well-being of the farmers but also contributes to the overall development of the agricultural sector

Loan Amount - Rs. 20,000 - Rs. 50,000

Tenure - 12/24/36 months

Rate of Interest - 24-26% P.A.

Individual loans are made to our existing customers who have been associated with our Company as customers for at least two years for their income generating activities.

Loan Amount - Rs. 50,000 - Rs. 75,000

Tenure - 12/18/36 months

Rate of Interest - 24-26% P.A