Micro Finance Loans
Small loans for small businesses
Collateral-free loans for individuals and small traders to start or grow an income-generating activity – a kirana shop, tailoring unit, vegetable stall, mobile repair shop or any other small business.
- No collateral or security required
- Simple KYC and quick processing
- Repay in small, regular instalments
Group Loans
Borrow together, grow together
Loans for Joint Liability Groups (JLGs) and women's Self-Help Groups (SHGs), where members from the same village stand by each other and grow together. Ideal for first-time borrowers.
- Mutual group guarantee – no collateral
- Convenient repayment at regular group meetings
- No credit history needed to get started
Gramin Rojgar Loans
Livelihood loans for rural families
Loans to create or expand self-employment in the village – dairy, goat and poultry rearing, vegetable farming, agri-inputs, handicrafts and other farm or non-farm activities that bring a steady income.
- For farm and non-farm livelihood activities
- Repayment schedule explained before disbursement
- Helps families earn locally, without migrating
Mahila Vikas Loans
Loans that empower women
Dedicated loans for women entrepreneurs and homemakers to start or expand a small enterprise – tailoring, beauty parlour, pickle and papad making, animal husbandry or a village shop – and become financially independent.
- Exclusively for women borrowers
- For individual women and women's SHGs
- Guidance on loan terms and money management
Why Borrow With Us
No Collateral
No property, gold or other security needed.
Transparent Charges
Interest, fees and instalments explained upfront, in writing.
Local Support
A team in Daltonganj that understands your needs.
Respectful Recovery
Fair and polite collection practices – no harassment.
Who Can Apply
- Indian resident aged 18 years or above
- Living within our service area in Jharkhand
- Annual household income up to ₹3,00,000
- Total monthly loan instalments (all lenders) within 50% of monthly household income
- Valid KYC – Aadhaar, PAN card or Voter ID, and a bank account
How to Apply
Contact Us
Call +91 78984 22234 or fill the enquiry form. We will suggest the loan that suits you.
Share Documents
Submit your KYC documents, a photograph and basic details of your household income.
Verification
Our team verifies your details and repayment capacity and explains all terms.
Get Your Loan
On approval, you receive a loan card with all terms and the amount is credited to your bank account.
Need a loan to grow your income?
Visit our office in Daltonganj or call us (Mon – Sat, 10:00 AM to 6:00 PM). We will explain the loan options, charges and repayment schedule in simple language before you apply.
Pannah India Foundation is a not-for-profit company registered under Section 8 of the Companies Act, 2013 (CIN: U88900JH2025NPL025556). We provide only collateral-free microfinance loans and do not accept deposits from the public. Gramin Rojgar Loans and Mahila Vikas Loans are the Foundation's own loan products and are not government schemes. All loans are subject to eligibility, verification and our credit policy. The interest rate, charges and repayment schedule are shared in writing before the loan is sanctioned.