Retail Financial Services - Lending Products

Product Name	Product Type	Product Summary	Product Charges
Small Group Loans	Credit	All purpose loans to groups of 5, where loan is given to individuals in the group, and each member guarantees the other loans	26% Reducing Balance
Gold Loans	Credit	Loan extended against the guarantee of Gold. This is an easy option by which the customer can raise short term funds as a significant proportion of them possess gold ornaments in some form or the other.	21-23% Bullet Payment
Enterprise Loans	Credit	Loans to support income generating activities	22% Reducing Balance
Education Loans	Credit	Loans to support tuition and related education expenses	24% Reducing Balance
Housing Loans	Credit	Housing loans are given to individuals (eligibility criteria apply) for purchasing a flat promoted by Janaadhar Constructions. A certain amount of upfront investment is required from the customer and the balance cost will be provided by housing loan, to be repaid by the customer in equated monthly installments.	12.5% Reducing Balance