Designed for You
No jargon. No hidden fees. Every product is designed so you can understand exactly what you're signing up for.
Fuel your entrepreneurial spark
Our flagship loan product is designed for small business owners who need capital to start, expand, or stabilize their ventures. From a food cart to a tailoring shop, we fund the dreams that banks overlook.
Loan Range
Rs. 10,000 – Rs. 500,000
Interest Rate
1.5% per month
Loan Term
6 – 36 months
Repayment
Monthly installments
Stronger together, growing together
Our Group Lending Circle brings together 5–10 entrepreneurs from the same community. Members support each other's applications and hold collective accountability — resulting in our lowest interest rate and highest success rate.
Loan Range
Rs. 10,000 – Rs. 200,000 per member
Interest Rate
1.2% per month
Loan Term
6 – 24 months
Repayment
Weekly or bi-weekly group meetings
Because she can, she will
Specifically designed for women-owned businesses, this fund offers preferential rates, extended terms, and includes free mentorship from our Women in Business network. 60% of our portfolio is women-led.
Loan Range
Rs. 25,000 – Rs. 750,000
Interest Rate
1.3% per month
Loan Term
12 – 48 months
Repayment
Monthly installments with 3-month grace period
From seed to harvest, we're with you
Tailored for farmers and rural entrepreneurs, this seasonal credit aligns repayment with your harvest cycle. Subsidized by our Community Investment Fund, it carries our lowest interest rate.
Loan Range
Rs. 15,000 – Rs. 300,000
Interest Rate
1.0% per month (subsidized)
Loan Term
Aligned with harvest cycle (3–18 months)
Repayment
Lump sum at harvest or flexible monthly
Save today. Borrow bigger tomorrow.
Build your financial foundation with our Community Savings Plan. Regular savers qualify for our highest loan amounts at the most competitive rates. Members also get free life insurance coverage.
Loan Range
Rs. 500 – Rs. 50,000 minimum deposit
Interest Rate
8% per annum interest earned
Loan Term
Flexible — 6 months to 5 years
Repayment
N/A — This is a savings product
Help when you need it most
When life throws a curveball, the Emergency Micro Fund delivers. Designed for existing NovaMicro customers facing sudden expenses, this product offers a 24-hour approval decision.
Loan Range
Rs. 5,000 – Rs. 50,000
Interest Rate
1.8% per month
Loan Term
1 – 12 months
Repayment
Flexible — weekly or monthly
At a glance — find the right product for you
| Product | Amount Range | Rate | Term | Best For |
|---|---|---|---|---|
| Micro Business Loan | Rs. 10K – 500K | 1.5%/mo | 6–36 mo | Solo entrepreneurs |
| Group Lending Circle | Rs. 10K – 200K | 1.2%/mo | 6–24 mo | Community groups |
| Women Entrepreneur Fund | Rs. 25K – 750K | 1.3%/mo | 12–48 mo | Women-owned businesses |
| Agriculture Credit | Rs. 15K – 300K | 1.0%/mo | Harvest-aligned | Farmers & rural SMEs |
| Community Savings Plan | Rs. 500+ deposit | 8% p.a. earned | 6 mo – 5 yr | Building financial foundation |
| Emergency Micro Fund | Rs. 5K – 50K | 1.8%/mo | 1–12 mo | Existing customers |