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Loans


Any eligible person as defined in the byelaws subject to domicile, minimum patronage and other requirements of AP MACS Act, 1995 and committed to use the services of JAGRUTHI and abide by the membership obligations can voluntarily become a member. Membership is not restricted by other artificial reasons. JAGRUTHI, believes in ‘membership’ concept. The member is not only a Member/client , but also a share holder –user- owner.

  • Business Start up Loan
  • Small Business Loans
  • Micro Enterprise Loans
  • Agricultural Loans
  • Livestock Loans
  • Asset purchase
  • Housing Loans

Jagruthi - LRF - Loan Risk

Jagruthi is working in conjunction with partnering Insurance companies to meet the life insurance needs of its customers basic loan for the first year. This scheme is filling the void created by the usual neglect of the low income earners’ need for basic insurance. The premiums applicable to various insurance schemes will be either collected from customers directly upon enrollment into schemes.

Jagruthi will take care of the outstanding loan of the member if any threat happened to the life of the member. Jagruthi will right off the loan from its loan risk fund (LRF) from the second year onwards. This product is designed for not to put load on the nominee of the member. This LRF is applicable only for below the Rs.50,000/- loans only


The Members of JAGRUTHI are mainly women with family businesses. They are in regular need of finances to run or expand their businesses.

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