The small finance division provides loans to low-income households with loan sizes varying from Rs40,000 to Rs2,00,000. There are two streams of small finance lending methodology employed by the company. The small credit division provides loans to low-income households with loan sizes varying from Rs40,000 to Rs2,00,000. There are two streams of small finance lending methodology employed by the company.

  • Individual Lending Model – Loans are extended to individual entrepreneurs for various purposes – both agricultural and non-agricultural. The loans are unsecured in nature and have cross guarantee of other borrowers.
  • Group Lending Model – loans are extended to borrower groups. Normally, these borrowers are ladies and have income from various sources like dairy, poultry, handicrafts, agricultural labor and other microenterprises.

BASED ON NATURE OF PRODUCT, S.E. INVESTMENTS OFFERS THE FOLLOWING SMALL FINANCE LOANS –

  • Income generation loans - These loans are for productive purposes and are extended to households with a potential to employ the borrowed money in income generation. The loans are typically for 24 months. The clientele is spread across urban and rural areas. A large number of these loans are for agricultural uses like procurement of inputs, dairy and primary processing of agri produce.