Unique Financial Plans for Every Purpose
We offer a range of loan services designed to help you achieve your goals.
Joint Liability Group (JLG) Finance
Overview: JLG Finance provides collateral-free loans to small entrepreneurs, farmers, and self-employed individuals through group-based lending.
Eligibility
- Group Size: 4-10 members with a common economic goal.
- Requirements: Income-generating activities, mutual trust, and shared locality.
Documents Required: ID & Address Proof (Aadhaar, Voter ID, PAN, Utility Bills), Income Proof (Bank Statements, Income Certificate) and Group Formation Agreement
Key Features
- Flexible loan amounts & repayment options (weekly, fortnightly, monthly)
- No collateral required
- Group leader election for coordination
Application Process
- Initial Village Survey & Group Formation
- Continuous Group Training (CGT) Process (Day 1 to Day 5)
- Group Recognition Test (GRT)
- Loan Disbursement & Utilization Check
Micro, Small, and Medium Enterprises (MSME) Finance
Overview: Supporting micro and small enterprises for business expansion, equipment purchase, or working capital.
Eligibility: Small businesses, startups, and entrepreneurs within specific turnover/income limits.
Documents Required: Business registration, financial statements, ID proof, and other legal documents.
Key Features
- Loan amounts for MSMEs
- Flexible tenure based on business needs
- Low interest rates
- Financial planning and advisory support
Application Process
- Submission of business plans and financials
- Credit appraisal by Dwinger’s team
- Approval and disbursement process
Mortgage Loans
Overview: Loans secured against property to meet personal or business financial needs.
Eligibility: Homeowners or property owners seeking a secured loan.
Documents Required: Property papers, legal proof, valuation reports.
Key Features
- High loan amounts based on property valuation
- Longer repayment terms (up to 20 years)
- Competitive interest rates
Application Process
- Property evaluation and legal verification
- Loan approval based on the property’s market value
- Disbursement and utilization
Consumer Loans
Overview: Personal loans for household needs, such as education, medical expenses, or durable goods.
Eligibility: Individuals meeting specific income and credit requirements.
Documents Required: ID proof, income proof, and bank statements.
Key Features
- Quick disbursal for urgent needs
- No collateral required for smaller loans
- Low interest rates
Application Process
- Credit check and income verification
- Instant approval for pre-verified clients
Infrastructure Finance
Overview: Large-scale loans for infrastructure development projects like roads, bridges, or public utilities.
Eligibility: Government bodies, large corporations, or infrastructure developers.
Documents Required: Project plans, legal approvals, financial projections.
Key Features
- High-value loans
- Long-term repayment plans (up to 25 years)
- Close monitoring of project milestones
Application Process
- Submission of project reports, contracts, and government approvals
- Disbursement in stages based on project progress
Wealth Management Services
Overview: Financial planning and investment management for long-term wealth growth.
Eligibility: High-net-worth individuals, investors, or business owners.
Documents Required: Investment history, financial goals, income proof.
Key Features
- Personalized financial strategies
- Access to exclusive investment opportunities
- Tax-saving options
Application Process
- Client consultation and financial goal setting
- Customized portfolio creation
- Continuous monitoring and portfolio adjustment