Empowering
Micro-Services
“At Narishakti, We Champion a Seamless Experience — Empowering Loan Management and Personalized Support Tailored to Every Need.”
Loan Management Types:
Micro-Loans
Small, short-term loans designed to support individuals or small businesses with limited access to traditional financing. Ideal for immediate, low-capital needs.
Traditional Loans
Standard lending solutions typically offered by banks or financial institutions, with fixed terms and interest rates. Suitable for personal or long-term financial requirements.
Business Loans
Financing options tailored for businesses to fund operations, expansion, or new projects. These loans can vary in size and structure depending on the business’s needs and creditworthiness.
Micro Savings Deposit Types:
Daily Deposits
A Daily Deposit is a small savings scheme where customers deposit a fixed amount every day. It’s ideal for small business owners or individuals with daily income, helping them build savings steadily over time.
Traditional Deposits
A Monthly Deposit allows customers to save a fixed amount once every month. It’s suitable for salaried individuals or anyone who prefers structured, regular savings with less frequent deposits than daily plans.
Quarter Deposits
A Quarterly Deposit involves saving a fixed amount once every three months. It’s a flexible option for people with seasonal income or those who prefer longer intervals between deposits while still growing their savings.
Why Choose Us?
Explore the unique advantages we offer compared to our competitors
| Feature | Narishakti Bank | Comp. 1 | Comp. 2 | Comp. 3 | Comp. 4 |
|---|---|---|---|---|---|
| Loan Type | Individual/Group | Group Lending | Group/Individual | Group Lending | Group Lending |
| Target Customer | Women entrepreneurs | Rural women | Urban/rural low-income women | Rural women | Rural/semi-urban women |
| Loan Amount | ₹5,000 – ₹50,000 | ₹10,000 – ₹30,000 | ₹5,000 – ₹50,000+ | ₹6,000 – ₹60,000 | ₹10,000 – ₹60,000 |
| Tenure | 12 weeks | 12 – 52 weeks | 6 months – 2 years | 12 – 52 weeks | 3 months – 2 years |
| Repayment Frequency | Daily / Weekly / Monthly | Weekly | Weekly / Bi-weekly / Monthly | Weekly | Weekly |
| EMI per ₹10,000 | ₹220 – ₹270/week ₹3,200 Total EMI |
~₹250–₹300/week | Varies | ₹220–₹280/week | ₹220–₹290/week |
| Total Repayment (₹10k) | ₹13,200 (Approvals < 24hr) | ₹11,000–₹12,500 | Depends | ₹11,500–₹12,500 | ₹11,200–₹12,800 |
| Interest Rate | 8.91% (12 week tenure) | 20–26% | 18–24% | 22–26% | 20–26% |
| Collection Mode | Cash (Field) + UPI + Net Banking | Cash via field officer | Digital & Cash | Field Collection | Field + Digital |
| Tech Usage | Mobile App + Employee Dashboard + Field (Web Application) | Field App | Mobile banking, kiosks | MIS & Dashboards | Mobile + Field |
| USP | Women-led growth | Scale + Legacy | Broad services | Deep rural reach | JLG + Tech |