JLG is a cluster of group loan of 5 individual borrowers taking mutual guarantee of each other. The group is formed by their choice. The pre-condition to form JLG is that the cash flow in the business of the group should be similar in nature. All the members of the group are entrusted with the responsibility of one another for the given loan and accountable for repayment of loan. Only females are encouraged to form JLGs. Loans are given to individual borrowers and loan amounts may vary to different members in a group. The groups are given the option for selecting the loan tenure according to the nature of the products and convenience of the members in the group. The tenure of the loan has to be uniform within a group.

• Loan up to Rs. 1 Lakh
• No security/guarantor required
• Minimum documentation
• Attractive rates of interest
• Fortnightly doorstep collection