Sarala’s Loan Products
The loan caters to the need of underprivileged women borrowers who aspire to start their business to become financially independent. Sarala provides Small enterprise loans to promising or existing entrepreneurs who require seed money or working capital funds to access the resources and start their ventures. This helps the entrepreneurs with their start-ups to enhance their capacity and efficiency. Loans are offered to merchants, retailers, service providers and similar underserved people in India’s rural and unbanked pockets.
| Product Type |
Own Products details for Q4 2025-2026 |
BC Products details for Q4 2025-2026 |
| Name of Loan Product |
Income Generation Loan |
Water-Sanitization Loan |
IDBI Bank BC |
Federal Bank BC Loan |
ESAF SFB BC Loan |
| Maximum Amount |
Up to Rs.60,000/- |
Up to Rs.75,000/- |
Up to Rs.50,000/- |
Up to Rs.60,000/- |
Up to Rs.75,000/- |
| Interest Charged (p.a) |
29% |
26% |
23% |
25% |
26.00% |
| Period |
12-36 Months |
12-24 Months |
12-24 Months |
12-36 Months |
12-24 Months |
| Instalment frequency |
Fortnightly/ Monthly |
Monthly |
Fortnightly |
Monthly |
Monthly |
| Processing Fee |
1.5% +GST |
1.5% + GST |
NIL |
1-3%+ GST |
1.5%+ GST |
| Insurance Fee |
Actual |
Actual |
Actual |
Actual |
Actual |
Sarala’s Interest rate for Microfinance Loans for Quarter 4 FY 2025-2026 (Jan-Mar, 2026)
| Loan Products |
Min Interest rate p.a |
Max Interest rate p.a |
Average Interest rate p.a. (In the last quarter) |
Processing Fees |
| Own (Rs. 10,000 - Rs. 60,000) |
29.00% |
29.00% |
29.00% |
1.5% +GST |
| BC Loan (IDBI) |
24.00% |
24.00% |
24.00% |
1% +GST |
| BC Loan (Federal) |
25.00% |
25.00% |
25.00% |
1-3% + GST |
| BC Loan (Monexo) |
27.00% |
27.00% |
27.00% |
2% + GST |
| BC Loan (ESAF) |
26.00% |
26.00% |
26.00% |
1.5% + GST |
