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Micro Finance

We are not Micro Finance Institution however we do small lending to micro sector.

If you are looking for a low income finance and belong to solidarity lending group of consumers & self employed who lack access to banking and related services, you can turn to ATD Finance. ATD finance started this service to render opportunities to low income group of people and has actively been involved in helping the underserved gets a sustainable livelihood through this initiative.


Financing available through Joint Liability Group (JLG)/ SHG and Individual Loans (IL)

Joint Liability Group (JLG)/(SHG)

1. Loan available to low income group for income generation purpose

2. Micro loan funding available from INR 10,000 to INR 40,000

3. Loan amount decided based on activity level of the borrower

4. Duration of loan tenure ranges from 12 to 24 months

5. Easy monthly repayment schedule

6. Finance without any collateral security

7. Reducing interest rate of 24% with fixed processing fee of 1%

Individual Loan (IL)

1. Funding available up to INR 50,000

2. Loan amount decided based on activity level of the borrower

3. Duration of loan tenure ranges up to 30 months


1. Creating employment opportunity for the rural unemployed by taking up specific theme oriented community development programme.

2. Financial literacy and door step training provided on various skills based activities as per your needs

Eligibility & Documentation

Eligibility Criteria

1. Minimum age limit: 20 years

2. Maximum age limit: 60 years

3. Any other requirements:

Member of Self Help Group (SHG) or Joint Liability Group (JLG)

Borrower should have a verifiable and sustainable income generation activity


1. KYC Documents: Voter’s ID card, Ration Card, MGNREGA Card, Aadhaar Card & passport size photograph.

2. ATD Financial application form for customer enrolment

Fees & Charges

Fees & charges are in line with market norms and as per eligibility of specific cases.


*Terms & Condition Applied. Credit at the sole discretion of the company.

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