At Sabharwal Finance and Estate Private Limited, we understand that financial inclusion is not just about providing loans; it's about fostering communities and empowering individuals. Our Group Lending product is designed to uplift communities through the strength of unity and shared responsibility.

How Group Lending Works:

Formation of Joint Liability Groups (JLGs):

• We bring individuals with similar financial needs and aspirations together to form Joint Liability Groups.
• Each member of the group acts as a co-guarantor, creating a support network for one another.

Collaborative Decision-Making:

• JLG members collectively decide on the loan amount, purpose, and repayment terms.
• The group shares a common goal, ensuring mutual success and accountability.

Key Features and Benefits:

1. Financial Inclusion:
• Provides access to credit for individuals who might otherwise be excluded from the formal banking sector.
• Fosters economic growth by enabling entrepreneurship and income-generating activities.
2. Risk Mitigation:
• Shared liability among group members minimizes the risk for individual borrowers.
• Encourages responsible financial behavior and timely repayments.
3. Community Empowerment:
• Strengthens the social fabric by promoting a sense of community and collaboration.
• Encourages skill development and knowledge-sharing among group members.
4. Flexible Repayment:
• Offers flexible repayment schedules tailored to the income cycles of the group members.
• Reduces the burden on individual borrowers, ensuring sustainability.
5. Financial Literacy Programs:
• Conducts regular financial literacy workshops to empower group members with essential financial knowledge. Conducts regular financial literacy workshops to empower group members with essential financial knowledge.
• Builds a foundation for informed decision-making and long-term financial well-being.

Formation of Joint Liability Groups (JLGs):

Group Lending at Sabharwal Finance is not just about transactions; it's about building lasting relationships and supporting dreams. Whether you're a budding entrepreneur, a small business owner, or someone with aspirations, our Group Lending product is here to fuel your journey towards prosperity.

Join hands with us, join hands with your community, and let's create a ripple of positive change together. Experience the strength of unity through Sabharwal Finance's Group Lending—where every loan is a step towards a brighter and more empowered future.