Product Portfolio

Processing Fees

1% on loan amount (Excluding GST)


Weekly/Fortnightly/Monthly (as per Borrowers’ choice)
Financial Products

Our business is based primarily on the Joint Liability Group model, enabling us to provide collateral-free, microcredit facilities to economically active women in rural, semi-urban and urban areas, who otherwise have limited access to mainstream financial service providers.

Name Customer Profile Loan Size Loan Tenure Rate of Interest (On Reducing basis)
IGL Uplifting the economically weaker section of the society by providing loans for income generating purpose like Agriculture, Animal Husbandry, trading and business related activities. INR 5000 – 50,000 12 – 24 months 22.20%
MSME Loan Loan offered to merchants, retailer, wholesaler, manufacturing, service providers, salaried, self-employed professional and Agri business.&Loan offered to Self Employed Professional, Self-employed Individual / Non Individual Entities (Business Enterprise) INR 1 – 15 Lacs Max 10 Years 20% – 27%
Lending to Corporate Institutions & Micro Finance Companies Loan offered to Corporate Institutions & Micro Finance Companies INR 1 – 10 Cr Max 3 Years 12% – 22%
Non Financial Products

At SCNL, we have made social charter an integral part of our corporate culture, with community enrichment central to our business growth. In our quest to make a difference in the quality of the lives of our clients, we have developed and are offering customised loans to facilitate access to clean energy, better mobility, safe water and sanitation facilities, in addition to the business loans.

Name Customer Profile Loan Size Loan Tenure Rate of Interest (On Reducing basis)
SOLAR Strengthen our members with prolonged light facilities in electricity deficient areas for household and business INR < 5,600 6 months 22.20%
WATER & SANITATION Enhance quality of life of members with loans for safe water & sanitation facilities INR 6,000 & 15,000 12 months 22.20%
 CYCLE Helping the members to enhance the efficiency and reducing the time of travel to earn their livelihood INR < 5000 6 months 22.20%