Our Offerings


Lighting the lives of the low-income households..

MSM Microfinance Limited (MSM) offers need based financial assistance to its customers. We are offering collateral free loans since our target audiences are low-income profile people. We are deploying both Self Help Group (SHG) and Joint Liability Group (JLG) lending for disbursing the micro credit. In these lending models credit has been issued based on the group liability model where every group member mutually gives guaranty on each other. We are considering SHG lending as a hassle free operating model where we have almost 100% repayment rate. As per RBI guidelines we are providing Income Generation Loans (IGL) that are classified, based on the loan cycle are given below.



Loan Type Loan Size Repayment Period Interest Rate Processing Fee Repayment Frequency
JLG Rs.25000 12 months As Per RBI Guideline 1% Monthly
JLG Rs.25000 18 months As Per RBI Guideline 1% Monthly
JLG 1 Rs.25000 24 months As Per RBI Guideline 1% Monthly
JLG 2 Rs.30000 18 months As Per RBI Guideline 1% Monthly
JLG 3 Rs.30000 24 months As Per RBI Guideline 1% Monthly
JLG 4 Rs.35000 24 months As Per RBI Guideline 1% Monthly
JLG 5 Rs.40000 12 months As Per RBI Guideline 1% Monthly
JLG 6 Rs.40000 24 months As Per RBI Guideline 1% Monthly

Apart from this, we are covering group members under life insurance till their loan tenure with MSM. Also we are charging processing fee of 1% of the loan amount for loan processing and documentation. Loan is repayable by weekly, fortnightly or monthly installments at the choice of the borrower. We don’t collect any security deposit during the loan disbursement and we don’t charge any penalty in case of any default.

Director's Message

The total Revenue of the Company for FY 2012 is Rs.86.93 Lakhs with Profits before depreciation[...]picture

Our Alliances

  • SRO Guidance
  • Business Outsource Partner
  • Insurance Partner
  • Banking Partner
  • NBFC Partner
  • Credit Bureau Partner
picture

What Our Beneficiary says...

pictureYou have played a great role in my life and my family! Thank you so much!
Sumitra, Cattle Rearer, Erode