Group Lending 1.  Micro Business Loan (MBL):   MBL are to be extended to individuals for managing their existing business. Theses loans are not designed to finance the establishment of new activity. Skilled and specialist craftsmen with reasonable experience in their respective fields will be granted these loans to smoothen and enhance their income patterns and generate business activity through purchase of raw material and stocks to enhance production of goods and services to meet the loan demand.       S. No. Particular Description 1. Loan Amount 10,000 - 30,000 2. Loan Tenure 3 – 24 Months 3. Repayment Mode EMI, Quarterly, Semi Annually, Bullet       2.  Micro Agri Loan (MAG):   These loans are designed for small farmers who require agriculture inputs including seeds, fertilizers, pesticides, irrigation water, or rental of agriculture equipment and transportation services.       S. No. Particular Description 1. Loan Amount 10,000 - 30,000 2. Loan Tenure 3 – 24 Months 3. Repayment Mode Quarterly, Semi Annually, Bullet       3.  Micro Assets Loan (MAL):   Under this product category, the customers may purchase movable engines, parts, machines/motors, tools (including agriculture related tools), equipment etc. the identified assets should be employed in the individual’s income generating activities and commensurate with the acquired professional skills and experience.       S. No. Particular Description 1. Loan Amount 10,000 - 30,000 2. Loan Tenure 3 – 24 Months 3. Repayment Mode EMI, Quarterly, Semi Annually, Bullet       4.  Livestock Loan (LVS):   The applicant with this loan may purchase livestock and other animals to yield enhanced income. Small-scale animal’s husbandry generally acts as a primary source of savings and can be pursued either to supplement income or independently as the main source of income more frequently in highly marginalized areas.       S. No. Particular Description 1. Loan Amount 10,000 - 30,000 2. Loan Tenure 3 – 24 Months 3. Repayment Mode EMI, Quarterly, Semi Annually, Bullet       5.  New Micro Business Loan (MBL):   MNBL will be extended to those individuals who are interested in starting up or establishing new business activities or for managing a running businesses for income generating purposes only and not for personal consumption purposes. The business activity proposed by the applicant to be financed under this category must reflect:       Daily cash flows,   Required a low technical know-how or management skills   Any experience held by the applicant can be considered as an added advantage but it will not be mandatory       A loan application under this loan category will not be subjected to cash flow analysis and will be exempt from other requirements. However, subsequent loans by the same individual will be subjected to standard evaluation and assessment criteria assess individual’s credit worthiness.       S. No. Particular Description 1. Loan Amount 3, 000 – 5,000 2. Loan Tenure 3 – 6 Months 3. Repayment Mode EMI       Individual Lending 1.  Micro Enterprise Loan (MEL):   The purpose of this loan is to enhance the ongoing micro enterprise. MEL will be extended to individuals / credit worthy clients after screening the case through a comprehensive, well defined process, preferably to those who have already availed loan from the bank and have a clean history of repayment. These amortixed loans will be secured by 2 PGs (Personal Guarantors) of reputed, trust worthy and financially sound persons, acceptable to the bank. Apersonal statement from the guarantor and borrower to be taken, that they are not defaulter of any bank. We may also have our own mechanism / system to check the veracity of the guarantor and the borrower. The business activity proposed by the applicant to be financed under this category must reflect:       Daily cash flows,   Required a low technical know-how or management skills   Any experience held by the applicant can be considered as an added advantage but it will not be mandatory               S. No. Particular Description 1. Loan Amount 20,000 – 100,000 2. Loan Tenure 12 – 36 Months 3. Repayment Mode EMI