Small loans that help women build bigger futures
Group loans for women across the Kaveri delta: no collateral, a shared guarantee, training before your first loan and instalments that fit your income.
- Women only
- Groups of five
- No collateral
- Training included
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Loans for women, from people who know your village.
Our approach
Finance plus support, for women who want to grow
Our mission
To raise the living standards of rural women through fair credit and the support to use it well.
How we lend
Joint liability groups of five women who know and back each other, a model proven across India.
Where we work
Villages around our five branches: Kumbakonam, Thiruvidaimarudur, Nachiyar Koil, Eravanchery and Kuthalam.
Joint liability group
Five women, one promise
Each member gets her own loan. The group recommends every member and stands behind her repayment.
- 1
The group recommends each member
Loans are approved on the group's recommendation and mutual guarantee.
- 2
Everyone attends group training
Before the first loan, all members learn the loan rules, budgeting and saving.
- 3
Paid to each member in person
The loan reaches each woman directly, never through a middleman.
- 4
Repaid at the centre meeting
Instalments are collected from members directly at a regular meeting in your area.
When women progress, families progress
Small loans, group support and training that help women in the delta turn their skills into a steady income.
Loan products
Amounts and tenures to be confirmed by the client
Income generation loan
For joint liability groups of 5 women.
Women entrepreneur loan
For women running their own business.
Small business loan
For shops, trade and service businesses.
Farm and livestock loan
For crops, dairy cattle and poultry.
How group lending works
Form a group
5 women from the same area.
Group training
Loan rules and money basics.
Verification
Home visit and KYC check.
Loan disbursal
Paid to each member directly.
Repay at centre meetings
Instalments that fit your income.
Grow with every cycle
Start small, grow step by step
Repay on time and your next loan can be bigger, so your business grows at a pace you can manage.
Cycle 1
A first loan sized to your income
Cycle 2
A larger loan after on-time repayment
Cycle 3
Room to expand your business
Cycle 4 and beyond
Ask about our women entrepreneur loan
Am I eligible?
Each condition ticks as you scroll.
- Woman applicantFor group and individual loans
- Age limitconfirm with client
- Household income up to ₹3 lakh a yearAs per the RBI microfinance definition
- Valid KYCAadhaar or Voter ID
- Lives near a branchKumbakonam and surrounding areas
Instalment calculator
Sample 22% a year on reducing balance.
Before you apply
Documents and group training
Documents you need
- Aadhaar card
- Voter ID or ration card
- Two passport-size photos
- Bank passbookIf you have one
- Nominee detailsUsually your husband or an adult family member
What group training covers
- Loan rules and your rights
- Household budgeting
- Saving a little every week
- Running a small business
- How to raise a complaint
Fair practices
Our promises to every member
No collateral
Your group's guarantee is all we ask for.
A clear loan card in Tamil
Amount, interest, charges and instalment dates, written in a language you read.
Borrow what you can repay
We check household income and existing loans so no one is over-burdened.
Respectful collection
No harassment, ever. Collection only at agreed places and times.
No prepayment penalty
Close your loan early whenever you are ready.
A clear way to complain
Our grievance officer resolves complaints within set timelines.
FAQs
Microfinance questions, answered
Women living near one of our branches, with a household income of up to ₹3 lakh a year, who join or form a group of five.
A group of 5 women who guarantee each other's loans, so no collateral is needed.
No. Microfinance loans are collateral-free. The group's mutual guarantee takes the place of security.
Your first loan is sized to your income and needs. With on-time repayment, each new cycle can bring a bigger loan.
At the centre meeting in your area, in front of an AROKK staff member.
Talk to us early. Our staff will sit with the group to understand the problem and find a way forward. Collection is always respectful and only at agreed times and places.
Yes. You can close your loan before time without any prepayment penalty.
Speak to your branch manager or call us. Grievance officer details will be published on the website.
Get in touch
Take the first step towards your dream today
Share your details and our team will reach you on WhatsApp.
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