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Kishor Loan

A Kishor Loan is a loan facility provided by Janakalyan Thrift & Credit Co-operative to support young individuals or entrepreneurs who are in the process of establishing or expanding their small businesses. This loan is designed for those who have already started their venture and now require additional funds to scale up operations, purchase equipment, or meet working capital requirements.

Benefits of Availing Kishor Loan from Janakalyan Thrift & Credit Co-operative:

  • Supports young entrepreneurs in expanding their business

  • Quick approval and disbursal process

  • Flexible repayment options with convenient EMIs

  • Competitive interest rates

  • Helps in achieving financial independence and business growth

How the Loan Amount is Determined:

The loan amount is determined based on the business plan, existing operations, repayment capacity, and financial documents. If required, collateral may be considered to secure higher loan amounts.

What is the Tenure of Kishor Loan Provided by Janakalyan Thrift & Credit Co-operative:

The tenure of a Kishor Loan generally ranges from 12 months to 60 months, depending on the amount borrowed and the repayment plan selected.

What is the Maximum Loan Amount that I Can Take:

Members can avail a Kishor Loan of up to a moderate amount, as per the co-operative’s policy, based on business needs, repayment capacity, and eligibility.