Financing Urban Infrastructure Projects and Services with a difference

India’s urban population will be close to 600 million by 2031, more than double that in 2001! The number of metropolitan cities with a population of 1 million or more is expected to increase from 50 in 2011 to 87 by 2031. To facilitate this historic demographic shift smoothly, large scale investments in critical public services, renewable energy, transport infrastructure, affordable housing, transport, logistics etc., are essential to help develop inter-linkages, connect and build synergies between rural and urban economic centres. These basic services, we believe, are also a key inclusion adjacency for Janalakshmi’s core customer base served through our Retail and Enterprise Finance businesses.

We provide customized debt finance with quick turn-around-times for niche projects and businesses engaged in developing innovative solutions that spur urban development, bridge infrastructure deficits in Tier II cities and help improve rural-urban economic linkages

Sectors of Focus

Affordable Housing




Renewable Energy

Transport Solutions

Water and Sanitation

Waste Management

Loan size

(in each cycle)

INR 15,000 to 30,000

INR 20,000 to 40,000

INR 30,000 to 50,000

INR 50,000


First loan cycle:12 - 24 months

Others: 24 months


Income generation or

any other use

Primary security

A joint liability

batch guarantee

Interest Rate

23.72% p.a.

Our Products

Jana Shahari Term Loan

Flexible term loans tailored specifically to a particular project or business’s cash flows

Loan size

Rs. 5 to 50 Crore


Up to 12 Years

Interest Rate

Competitive Market Rates

Jana Shahari Working Capital Loan

Customized Working Capital Demand Loan Facilities

Loan size

Rs. 50 Lakhs to 50 Crore


Up to 3 Years

Interest Rate

Competitive Market Rates