Products

Roins Group Describe your image	Roins Group Describe your image	wmremove-transformed (13) Describe your image

Group-based individual loan to scale up your business
Loan offered to hire staff, upgrade equipment, invest in raw material and other such growth-related requirements
Quicker loan approval and disbursement for Bandhan Bank Savings Account holders
Loan amount – ₹15,000 – ₹1,50,000
Loan tenure – 1 year/2 years
Convenient doorstep banking
Simple and minimal documentation

**Obtaining insurance offered by the bank is non-mandatory for availing any EEB loan product.

*** Group loans are sanctioned within maximum of 15 days* (within 14 working days effectively, as per regulatory requirement of credit decisioning for MSE borrowers) from the date of receiving the complete set of application and required documents.

Roins Group Describe your image	Roins Group Describe your image

Loan amount – ₹50,000 – ₹25,00,000
Attractive rate of interest
Flexible repayment tenure – up to 60 months
Faster loan processing time with door step document pick up process
Quick loan processing
Part payment feature*
Nil foreclosure charges on loan amount 10 lakh & above*
*Terms & Conditions applied

Salaried / self-employed professionals / self-employed non-professionals
Age:
Minimum – for salaried individuals - 21 years; for self-employed - 23 years
Maximum at time of loan maturity – 60 years for salaried; 65 years for self-employed
Salaried - minimum 1 customer induced transaction is required in salary account on monthly basis
SEP/SENP - minimum 1 debit and 2 credit transaction (customer induced) required on monthly basis or 12 credit transection in last 12months (In main account only).

Identity & address proof - passport/driving license/proof of possession of Aadhaar number/voter's identity card issued by the Election Commission of India/job card issued by NREGA duly signed by an officer of the state government/letter issued by the National Population Register containing details of name and address
One recent photograph
Last three months' salary slip & salary account statement for salaried*
ITR with computation & last 12 months main business account statement for self-employed*
*Not applicable for online application basis pre-qualified offer

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Loan for small enterprises who require both working capital and term loan
Loan amount – Above ₹3 lakh up to ₹25 lakh
Loan tenure – Flexible loan tenure up to 5 years
Doorstep assistance with a Relationship Officer/Credit Manager available to service you throughout the loan processing period
Simplified documentation
Convenient repayment with EMIs issued through Standing Instructions, NACH and e-NACH

Roins Group Describe your image	Roins Group Describe your image

Loan up to Rs. 1 lakh
Members are eligible to get a maximum loan of Rs. 1,00,000/- depending on loan eligibility and cycle. Loans are given only for income generating activities such as poultry, fisheries, animal husbandry, vegetable vendor, papad, small cottage industries etc.
Flexible Repayment Tenure
Members have the option to pay the EMI on a weekly, fortnightly, or monthly basis. However, the monthly EMI is the most widely accepted mode of repayment.
No Collateral
Members can avail collateral free loan under Micro Lending of Roins Group. It is based on JLG model where social collateral is required to avail loan from the organization.
Doorstep Onboarding and Collection Process -
All activities in the Roins Group micro lending product are conducted at the member’s house or village, except for disbursement.
Insurance Coverage
Members and their husband are given insurance coverage till the loan tenure. Sum insured is equal to the loan amount disbursed to the customer.
Disbursement in saving account in 3 days
The entire process of customer onboarding until disbursement in HDBFS takes 3 days, making it one of the best in the industry.

Rule 1: Loans to customer only in group
A group is a set of four-eight individual women from similar economic backgrounds or occupations, who know and trust each other and come together to become customers of Roins Group Financial Services. Apart from group criteria, an individual should have below mentioned eligibility.
Rule 2 : Economically active Poor Women
Salaried
Self Employed
Daily wage workers
Housewives
Rule 3: Age 18-55 repeated twice.
Rule 4: Household income of the customer should not be more than 3 lakh rupees. Monthly loan obligation of the household should not be more than 50% of the monthly household income.
Household means an individual family unit i.e husband, wife and their unmarried children.
Rule 5: Members in a group should not be Blood Relatives.
Mother - Daughter
Mother-in-law - Daughter in law
Sisters
Sister-in-law
Co - sisters (brother's wives)
Rule 6: Proximity of group members
The group members should be residing within 300-500 meters of each other.
Customers should reside in the same area for more than 5 years.
Should know each other for at least 2-3 years.
Rule 7: Group Has To Understand the concept of JLG
Group unity means solidarity and commitment to each other and the group at all times to Roins Group Financial Service.
Agrees to pay the EMI of other members of the group if they default or are unable to pay.
Help Roins Group to track the customer in case of migration or willful default.
In the case of temporary repayment problem of a member like illness in the family, late payment of salary etc, the other group members must lend to this person to overcome the problem.

Roins Group

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Roins Group

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