Small loans for women who borrow together in a group they trust.
From ₹10,000
View detailsJyothika Micro Finance Pvt. Ltd.
Empowering women, one at a time
Small loans from ₹10,000 for women, families and small shops. You see the EMI and every charge before you sign.
- Loans from ₹10,000
- Women-first lending
- No advance fees, ever
Loans from
₹10,000
EMI shown before you sign
“Jyothi” means light.
Jyothika Micro Finance Pvt. Ltd. is a microfinance company. We give small, fair loans to women, families and small shops.
Many women have the skill to earn but not the small amount of money needed to start. We offer a better choice than a moneylender: small loans with clear terms, simple documents and people who take time to explain.
More about JyothikaClear
You see what you borrow, what you pay each month and the total, before you sign.
Growth
A small loan, used well, can start a business, pay for school or get a family through a hard month.
Fair
No hidden charges. We never push anyone to borrow more than they can repay.
Respect
We listen, explain patiently and treat every customer with dignity.
Loans for everyday needs and growing work
What do you need money for? Tap one to see the loan that fits, or browse them all.
Buy a fridge, TV, washing machine or cooler on monthly EMIs.
From ₹10,000
View details
Borrow against your gold jewellery without selling it.
From ₹10,000 · depends on the weight and purity of your gold
View details
Money for stock and growth for grocery and small shops.
From ₹10,000
View details
When a woman earns,
We focus on women, because when a woman earns and manages money, the whole family benefits.
Start or grow her own work
A sewing machine, stock for a shop or a stall: the small amount that turns a skill into an income.
Borrow together, in a group
Small loans for women who borrow together in a group they trust.
Build a record in her own name
Repaying on time builds a good repayment record, for her and for her family.
Who we support
Small loans for people who run their own work. Here is how a loan helps.
Kirana shops
Stock up before festival season and keep shelves full.
Tailors
Buy a second sewing machine or cloth for bulk orders.
Vegetable & fruit vendors
Buy fresh stock in bulk at the market for better rates.
Tea & tiffin stalls
Add a new stove, utensils or a bigger cart.
Beauty parlours
Buy products and equipment before the wedding season.
Women's groups
Borrow together and support each other to repay.
Daily-wage workers
A small loan with payments that fit daily or weekly earnings.
Photos show the kinds of businesses we lend to. They are not our customers.
Save with Jyothika Chits
Save every month and get a lump sum when you need it.
Fair lending you can see clearly
Loans from ₹10,000
Start small and borrow only what you need.
Every charge in writing
You see the EMI, the fees and the total you repay before you sign.
No advance fees, ever
We never ask for money to approve or release a loan.
Answers on WhatsApp
Ask anything on WhatsApp and get a reply in simple words.
Staff who explain in person
Our team meets you at home or at your shop and explains every step.
Women-first lending
Loans shaped around women's work, savings groups and family needs.
Work out your monthly payment
Tap an amount and the number of months. The calculator shows what you pay each month.
Your EMI (the money you pay back each month)
₹4,707
You pay ₹4,707 a month for 24 months.
- Loan
- ₹1,00,000
- Interest
- ₹12,976
- Total you pay
- ₹1,12,976
Enquire on WhatsApp for this amount (opens in a new tab)
Amounts and EMIs are a guide only, not a loan offer. Your final amount, interest and terms depend on your eligibility and company policy.
How it works
Four steps. Here is what you do, and what we do.
Step 1: Message us on WhatsApp
You: Tap any WhatsApp button and send the message. Tell us which loan you need.
We: We reply with the next steps and the documents for your loan.
Step 2: Share your documents
You: Send copies of the documents we ask for. Keep the originals ready.
We: We tell you if anything is missing. Nothing more is needed.
Step 3: Verification
You: Answer a short call, or meet our team at home or at your shop.
We: We check your details and explain the amount, interest, fees, EMI and total in writing.
Step 4: Get your money
You: Read and sign the loan agreement if you agree with the terms.
We: The money goes to your bank account, with your repayment schedule.
Documents to keep ready
Most loans need only these. Each loan page shows its exact list.
- Aadhaar card
- PAN card (or Form 60)
- Passport-size photos
- Address proof (if different from Aadhaar)
- Bank passbook or account details
- Income or shop proof, for some loans
Stay safe from loan fraud
- Jyothika never asks for money before a loan is approved. No “processing fee” in advance, ever.
- We never ask for your OTP, UPI PIN or bank password.
- Only trust calls and WhatsApp messages from +91 95159 67774 (opens WhatsApp in a new tab).
Common questions
Who can apply for a loan?
Women, families, small shop owners and daily earners who meet the eligibility for a loan. Loans start from ₹10,000. Most loans need you to be at least 18 with a regular income. Message us and we will tell you which loan suits you.
How do I apply?
Send us a message on WhatsApp. We explain the loan, list the documents you need and guide you through verification. Asking is free.
What documents do I need?
Usually your Aadhaar card, PAN card (or Form 60), photos, address proof and bank details. Some loans need income, shop or vehicle papers. Each loan page lists them.
What is the interest rate?
It depends on the loan, the amount, the number of months and your eligibility, as per our Interest Rate Policy. You get the exact rate and total cost in writing before you accept.
What fees do you charge?
All charges are listed on our Fees and Charges page and shown in your loan offer before you sign. Asking about a loan is always free.
How long does it take to get the loan?
It depends on the loan and how quickly your documents and verification are done. Our team will tell you the timeline when you ask.
Invest in women-led growth
Interested in investing in Jyothika Micro Finance Pvt. Ltd., through equity, debt funding or co-lending? Send us an expression of interest and our management team will get in touch.
This is not an offer of securities. We do not accept public deposits.
Start with one message
Choose a loan and an amount, and we will reply on WhatsApp with the details and the documents you need.
All contact details
Quick enquiry
Two taps, then send the message on WhatsApp.
Get details on WhatsApp (opens in a new tab)Your message: Hello Jyothika Micro Finance, I would like to know more about your loans.