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CIN : U67120WB1995PTC071237

Product and Services

Uttrayan provides micro credit to the deprived women of the society to smooth their livelihood and give them a better standard of living. Various loan products are as follows -

i) Own Product

Sl No. Product Name Loan Size(Rs.) Rate of Interest PA (Reducing) Type of Interest rate (Flat or Reducing) Mode of Loan Tenure Moratorium
Repayment Processing Charges (in months)
1 Business Promotion Loan Upto 60K max limit    
( New Client Upto Rs. 40000+ there after cycle increase Rs. 20000.)
26.50% Reducing Fortnightly 1.5+GST (FOR WB),
2% +GST (FOR OTHER STATE)
1Year 1 Installment
2 Business Promotion Loan Upto 60K max limit    
( New Client Upto Rs. 40000+ there after cycle increase Rs. 20000.)
26.50% Reducing Fortnightly 1.5+GST (FOR WB),
2% +GST (FOR OTHER STATE)
1.5Year 1 Installment
3 Business Scale Up Loan 45K- 60K 26.50% Reducing Fortnightly 1.5+GST (FOR WB),
2% +GST (FOR OTHER STATE)
1.5  Years 1 Installment
4 Business Scale Up Loan 65K-100K 26.00% Reducing Fortnightly 1.5+GST (FOR WB),
2% +GST (FOR OTHER STATE)
2  Years 1 Installment

ii ) Managed Product

Sl No. Product Name Loan Size (Rs.) Rate of Interest PA (Reducing) Type of Interest rate (Flat or Reducing) Mode of Charges Tenure Moratorium
Repayment (in months)
5 SBI Co - Lending Upto 3 Lakh max limit    
( New Client Upto Rs. 100000+ there after cycle increase Rs. 50000.)
19.45% Reducing Monthly 1%+GST (all states) 12-36 Months Nil
6 SIDBI PRAYAAS LOAN 100K-200K 18.00% Reducing Monthly 1%+GST (all states) 12-36 Months Nil

Terms & Conditions :

  1. Client's KYC & Bank accounts are a must.                                                              
  2. Loan shall be completely collateral-free.                                                              
  3. Prepayment is allowed but no additional penalty shall be charged by UFSPL.                      
  4. Small, General  & SME loans shall be sanctioned only for income-generating activities.   
  5. Maximum Gross household income up to Rs.3,00,000
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