At Supra Pacific Financial Services, we believe financial inclusion is the first step toward sustainable change. Our Microfinance solutions are built to support and uplift underserved rural communities—especially women—by offering access to financial services that are easy, inclusive, and empowering.
We offer group lending-based microfinance loans, allowing individuals to come together, support one another, and grow collectively. With structured training, weekly center meetings, and minimal documentation, we aim to ensure that everyone—regardless of their background—has a chance to build a brighter, self-reliant future.
Group Lending with Joint Responsibility
Weekly Repayment through Local Centre Meetings
Unsecured Loan (No Collateral Needed)
Fast Disbursal and Minimal Documentation
Pre-Part Payment Option Available
Relationship Officer Support at Every Step
| Cycle | Amount Options | Tenure | Repayment |
|---|---|---|---|
| 1st cycle | ₹20,000 / ₹25,000 / ₹30,000 | 52 weeks | Weekly cash payments during Centre Meetings |
| 2nd cycle | 50% of 1st cycle repayments must be completed on time and at least 65% of center meetings attended | 52 weeks | Weekly cash payments during Centre Meetings |
Group Lending, or Joint Liability Group (JLG) lending, is a model where 5 to 25 women form a group and collectively share the responsibility of each other’s loans. This model encourages trust, discipline, and community support—especially for women who may otherwise be excluded from traditional banking.
Loans can be used for:
Small businesses or trade
Working capital needs
Livestock purchases
Educational or medical expenses
Family event support or debt consolidation
CGT is a one-day training program conducted by our Relationship Officer (RO) to:
Educate members on loan terms, eligibility, and repayment process
Establish group trust and rules
Ensure voluntary formation and mutual familiarity within the group
Reinforce the importance of discipline and mutual support
Age: 18–55 years
Income: Regular Income & Verifiable Business Activity
Residence: Minimum 3 years residence stability preferred (6 months for newly married with spousal stability)
Living Standard: Good standard of living and household assets considered
Age 50+: Applicants above 50 will require a health and family support assessment
Group Size: 5–20 members per center
Members must live within 750 meters of the center meeting point
Only one member per household allowed
No more than two blood relatives per group
75% of members should own their homes; renters should not exceed 25%
All members must know each other and be from the same locality
To ensure financial stability and integrity of our services, the following are not eligible:
Political leaders or large landowners
Individuals with excessive bank/financial debts
Liquor shop owners, moneylenders, or chit fund operators
Police officers, lawyers, or their immediate family
Real estate business operators
People with bad credit history
Government employees or migrants
Those with family working abroad (Gulf, etc.)
Supra Pacific staff or their close relatives
Supra reserves the right to assess eligibility based on internal policy and discretion.
Yes, Supra Pacific does offer microfinance services. Their microfinance loans are specifically designed for female clients who want to start or expand their income-generating activities. These loans are based on the principle of joint liability, where a group of 5 to 25 women is organized into a center and each member takes responsibility for the repayments of the others in the group. The loans can be used for a variety of purposes, such as business expansion, working capital needs, purchasing raw materials, buying animals, paying for education or marriage expenses, or consolidating debt. The loans are repayable in equal installments over a fixed period of time.
Supra Pacific microfinance services have certain restrictions on the categories of individuals or groups who are eligible for a loan. These restrictions are designed to ensure the safety and stability of the loan program. The following categories of individuals or groups are not eligible for a loan from Supra Pacific microfinance services:
This list is not exhaustive and Supra Pacific reserves the right to make final determinations on loan eligibility based on their own criteria and policies.
A relationship officer in a microfinance business plays an important role in establishing and maintaining strong connections with clients. They are responsible for overseeing the loan repayment process and ensuring that clients are able to repay their loans on time. The relationship officer is typically the primary point of contact between the microfinance company and the clients. During weekly, fortnightly, or monthly meetings, the relationship officer collects loan repayments and provides clients with any support or information they may need. This regular interaction helps to build trust and establish a positive relationship between the microfinance company and its clients.
A Comprehensive Group Training (CGT) is a one-day training program designed to develop group responsibility and joint liability among members of a microfinance group. The training is conducted by the Relationship Officer (RO) and covers a variety of topics related to the loan process, including information about the loan terms and conditions, the importance of discipline in meetings, and the eligibility criteria for loan applicants. The goal of the training is to ensure that all members of the microfinance group are fully informed about the loan process and the responsibilities that come with it. This includes verifying that the group has been formed by the clients themselves and that all members know each other and belong to the same locality.
If you're a group of aspiring women or small business owners in a rural area looking for a trusted financial partner—Supra Pacific is here to help. Contact your nearest branch or get in touch with our Relationship Officer to begin your journey.
BRANCH LOCATOR
SELECT LANGUAGE
