The company has been conceived with the aim of providing secured
income enhancement loans to small & Micro Enterprises in urban/ semi-urban India.
Most of the existing financial institutions are unable to cater to a vast number of small
and micro business units /households as they have no income documents to substantiate their
earnings.
It is poignant to note that despite having Jan Dhan Bank Accounts these households continue
to be outside the purview of formal banking
It is common knowledge that absence of availability of formal credit to these households
leads to them getting brutally exploited at the hands of the local money lenders.
Microfinance Institutions do provide small ticket size loans to such households. Such loans
are based on the hugely successful Joint Group Liability Model but lack the expertise of
collateral based individual lending. Further they are unable to cater to credit demands
exceeding the cumulative threshold level of 1.25 Lacs.
It is this missing middle that Sarvjan seeks to provide credit so that the same can be
deployed in their small businesses leading to increased monthly income
With our experience based knowledge of lending to this segment Sarvjan views this as a huge
opportunity to create an impact in the lives of millions of our countrymen while via a
commercially viable business model.
To help 1 million in rural area in india to lead a better life in next 10 years
to enchance and imporve the status of women in bharat
to do it with the speed ,simplicity and consistency
No Manual Receipts
App based calling To track efficiency.
Simple Scan based, Paperless logins.
Native intelligence Based U/W for smarter, faster & accurate & decisions.
Digital Disbursements
App Based stationary, asset, branch management.
App Based joining Onboarding, resignations
The objective of the company is to provide mortgages ranging
from
INR
One Lac to INR Ten Lacs to small & micro enterprises / entrepreneurs in the
informal
sector.
These finances are made available to the customer at a reasonable cost and
delivered
in
a
transparent and timely manner.
We believe that by creating new economic opportunities for deserving men and
women
we
can
transform communities and enrich lives while being commercially viable
One page application form, easy to fill.
No agents,
no commission.
No hidden charges.
Fair & reliable.
Fast turnaround,
electronic
disbursement.
For new branch openings and expansion the company relies on following principles: