दुर्बलांना सबल करणे । प्रगतीसाठी पैसा ।।
(रजि. नं. बीओएम / आरएसआर / (सीआर) १३८९/८६-८७)
| LOAN TYPE | RATE OF INTEREST |
|---|---|
| Personal Loan | 16.00% |
| Mortgage Loan (More Than 200%) | 16.00% |
| Mortgage Loan (Less Than 200%) | 16.00% |
| Pledge Of Machinary / Stock | 16.00% |
| Vehicle Loan (New) | 16.00% |
| Vehicle Loan (Old) Below 5 yr. | 16.00% |
| Housing Loan | 16.00% |
| Salary Deduction Loan | 16.00% |
| (N.S.C & K.V.P) Against Loan | -- |
| Loan Against Gold Ornaments | 16.00% |
| Group Loans | 16.00% |
Loan Type
Personal Loan
-
Loan Limit:
Rs. 15000/- to 75000/-
-
Period:
24 to 72 Months
-
Rate of Interest:
@ 16.00% P.A.
-
Purpose:
- House Repairing
- Education
- Medical
- Marriage
- House articles and Furniture
- To Repay Money lenders
Requirement
* Conditions Applicable
Loan Type
Home Loan
-
Loan Limit:
Up to 25,00,000/- or 70% on Valuation
-
Period:
Up to 96 Month
-
Rate of Interest:
@ 16.00% P.A.
-
Purpose:
- Purchase of New / Resale House
Requirement
* Conditions Applicable
Loan Type
Emergency Loan
-
Loan Limit:
Rs. 10000/-
-
Period:
12 Months
-
Rate of Interest:
@ 16.00% P.A.
-
Purpose:
- Death of Family Member
- Medical
Requirement
* Conditions Applicable
Loan Type
Vehicle Loan
-
Loan Limit:
75% of the quotation price or Maximum Rs. 500000/-
-
Period:
72 Months
-
Rate of Interest:
New Vehicle – 16.00% P. A
-
Old Vehicle:
@ 16.00% P. A
-
Purpose:
- Purchase of Vehicle
Requirement
* Conditions Applicable
Loan Type
Group Loan Scheme
In 2015 Patpedhi introduced the Group Loan Scheme: The model is as follows: Make group of 4 ladies who are sureties to each other. Loan ranging from Rs. 15,000/- to 40,000/- is given to the each member of group.There are total 18 agents appointed for disbursement and recovery of the group loan. The agent is given overall responsibility of the loan given through them. They are paid commission of 3% of the recovery made. At initial stage till 2017 there were several difficulties and Patpedhi learnt from the problems and the model was made more sustainable since 2017 and thereafter this model has worked so well that there is no NPA in the group loan segment. The Patpedhi crossed mark of 10000 (Ten thousand) women members as on 31.3.2019 for the purpose of group loan and more 2000 members are added in the present year i.e. at end of January 2020 making the total 12000 (Thirteen thousand).
As on 31.1.2020 there is total group loan outstanding is Rs. 13.50 Crore to more than 8000 women. The group loan is provided at 12.50% flat interest rate in equal 11 to 20 monthly installments dependent upon the amount of loan. The groups are formed by the women irrespective of their caste, language, religion or any other identity. And the guarantee of repayment of other is taken by them.
The groups are formed not only in Dharavi area but in areas like Kurla, Chunabhatti, Mankhurd, Bandra, Bhandup, Goregaon, Sakinaka, Antop Hill, Vashi Naka etc., The patpedhi has created a separate fund for security of the group loan and the loan is repaid from the said fund in the case of death of debtor or very serious illness or suffered natural calamity etc.