Our innovative and flexible repayment schedule is designed on a case to case basis and suits the need of every borrower, with convenient and comfortable repayment schedules and methods. We offer quarterly, monthly, half-yearly repayment schedules and one can repay via post-dated cheques, demand drafts and cash.

Our customers for retail loans are small entrepreneurs or self-employed individuals such as transport operators, taxi operators and agriculturists. We also provide trade finance to automobile and tractor dealers, which following the sale of a vehicle, are converted into direct retail customer loans. Our customers usually provide part of the amount and the balance of the vehicle’s price is financed by us.

We believe that to operate effectively in rural and semi-urban areas, it is necessary to be familiar with the local culture, practices and environment. Accordingly, we endeavour to recruit local employees into our branches and provide them training on our tailor-made training programmes. We conduct most of our business through our own field executives and branch personnel, which we believe is preferable to relying on outsourced marketing agents and sales agents.

Our business has grown extensively since the time we were established. Our loan assets, total income and profit after tax have all grown considerably over the last few years.