Creating Opportunities Through Responsible Finance
At ACFL, we believe that access to finance is more than a transaction—it is a pathway to dignity, self-reliance, and sustainable growth. Our financial solutions are thoughtfully designed to support individuals, entrepreneurs, and communities at every stage of their economic journey. From first-time borrowers seeking to establish a livelihood to growing enterprises aspiring to scale their businesses, ACFL provides responsible financial support that empowers aspirations and creates lasting impact.
Our products and services are rooted in the principles of financial inclusion, customer empowerment, and community development. Through a combination of innovative lending models and financial literacy initiatives, we strive to build stronger households, thriving businesses, and resilient communities.
Empowering Communities Through Collective Strength
The Joint Liability Group (JLG) Loan is ACFL’s flagship financial inclusion product, inspired by the globally acclaimed Grameen lending methodology and thoughtfully adapted to suit the socio-economic realities of local communities. This model promotes mutual accountability, financial discipline, and collective progress by bringing together like-minded women entrepreneurs who support one another in achieving economic independence.
Beneficiaries
Women from low-income households, rural and semi-urban communities, self-employed individuals, and first-generation entrepreneurs seeking to start or expand income-generating activities.
Purpose
To provide working capital and business financing for productive livelihood activities that generate sustainable income and improve the quality of life of borrowers and their families.
Major Economic Activities Supported
- Animal Husbandry
- Dairy Farming
- Poultry Farming
- Small Retail Trade
- Tailoring and Garment Activities
- Food Processing
- Handicrafts and Artisan Work
- Agricultural Allied Activities
- Service-Based Enterprises
Loan Amount
₹50,000 to ₹75,000
Loan Tenure
Up to 24 Months
Impact
- Increased household income
- Enhanced financial independence for women
- Creation of local employment opportunities
- Improved social and economic well-being
- Strengthened community participation and financial discipline
Result
The JLG model serves as the first step in the entrepreneurial journey of thousands of women, helping them transition from financial exclusion to economic empowerment.
Fueling Micro Entrepreneurs for Sustainable Growth
The Micro Credit Business (MCB) Loan bridges the gap between microfinance and formal business financing. Designed for ambitious entrepreneurs, this solution provides larger individual loans to support business expansion, asset creation, and enterprise growth.
The product caters both to new entrepreneurs with promising business potential and to mature JLG borrowers who have successfully demonstrated financial discipline and are ready to scale their economic activities.
By providing access to growth capital at the right stage, ACFL nurtures micro-enterprises and enables them to evolve into sustainable businesses that contribute meaningfully to local economic development.
Beneficiaries
Established entrepreneurs, registered MSMEs, manufacturers, traders, service providers, and growing businesses seeking expansion capital.
Purpose
Purpose
To support business growth, increase production capacity, strengthen working capital, and enable entrepreneurs to create larger economic opportunities.
Activities Supported
- Retail and Trading Businesses
- Small Manufacturing Units
- Service Enterprises
- Agricultural Allied Businesses
- Home-Based Businesses
- Equipment and Asset Purchase
- Business Expansion Activities
Loan Amount
₹50,000 to ₹1,50,000
Loan Tenure
Up to 24 Months
Impact
- Business expansion and modernization
- Higher income generation
- Local job creation
- Increased business sustainability
- Improved financial stability of entrepreneur families
Result
MCB serves as a growth accelerator for emerging entrepreneurs, helping them scale from micro-enterprises to structured businesses capable of creating broader economic impact.
Enabling Enterprises to Scale with Confidence
Small and Medium Enterprises are the backbone of India’s economy. ACFL’s MSME Loan is designed to support established businesses that require structured financial assistance to strengthen operations, expand market presence, invest in assets, or pursue growth opportunities.
This solution addresses the financing needs of entrepreneurs who have successfully progressed through earlier stages of business development and are ready to take the next step in their entrepreneurial journey.
The product also serves mature MCB customers who have demonstrated sustained business growth and have transitioned into recognized MSME enterprises.
Beneficiaries
Established entrepreneurs, registered MSMEs, manufacturers, traders, service providers, and growing businesses seeking expansion capital.
Purpose
To provide growth-oriented financing for business expansion, infrastructure enhancement, technology adoption, inventory management, and working capital requirements.
Activities Supported
- Manufacturing Enterprises
- Trading Businesses
- Service Sector Businesses
- Small Industrial Units
- Professional Services
- Expansion and Modernization Projects
- Equipment and Machinery Acquisition
Loan Amount
₹1,00,000 to ₹5,00,000
Loan Tenure
Up to 36 Months
Impact
- Business growth and scalability
- Increased productivity and competitiveness
- Employment generation
- Improved access to formal financial systems
- Strengthened local economies
Result
The MSME Loan empowers entrepreneurs to transform established businesses into sustainable growth engines that contribute to economic development and job creation.
Enabling Healthier Homes with Dignity
At ACFL, we believe that financial inclusion should not only support livelihood and enterprise growth, but also improve the dignity, safety, health, and quality of life of our customers and their families. The WASH Loan is designed to provide financial support for essential Water, Sanitation and Hygiene needs, with a special focus on household toilet construction and improved sanitation facilities.
This product reflects ACFL’s commitment to responsible finance and social empowerment. By enabling customers to build safe sanitation facilities at home, ACFL contributes towards healthier households, safer living conditions, women’s dignity, and stronger community wellbeing.
Beneficiaries
Women customers, low-income households, rural and semi-urban families, and underserved communities requiring financial support for household sanitation and hygiene-related needs.
Purpose
To provide timely financial assistance for construction of household toilets and improvement of sanitation facilities, thereby promoting dignity, safety, hygiene, and healthier living conditions.
Need Supported
- Household toilet construction
- Basic sanitation improvement
- Hygiene-related household infrastructure
- Safer and dignified living environment
- Family health and wellbeing
Impact
- Improved household hygiene and sanitation
- Enhanced dignity and safety for women
- Better health outcomes for families
- Reduced dependence on unsafe sanitation practices
- Contribution to clean and healthier communities
- Strengthened social impact through responsible lending
Result
The WASH Loan extends ACFL’s purpose beyond credit by helping customers create safer, healthier, and more dignified homes. It represents our belief that true financial inclusion must support both economic progress and quality of life.
Empowering People Beyond Finance
At ACFL, financial inclusion goes beyond providing credit. True empowerment comes when individuals possess the knowledge, confidence, and capability to make informed financial decisions. Through our Financial Literacy & Community Empowerment Program, we invest in building social capital and financial awareness among our customers and communities.
The program focuses on enhancing financial knowledge, promoting responsible money management, encouraging savings habits, and creating awareness about digital banking safety. It also serves as a platform for community engagement, social development, and collective problem-solving.
Beneficiaries
Women borrowers, community members, rural households, first-generation financial service users, and emerging entrepreneurs.
Key Areas of Training
Financial Inclusion
Understanding banking services, savings accounts, insurance, pensions, and formal financial systems.
Financial Empowerment
Budgeting, household financial planning, debt management, and informed financial decision-making.
Savings & Wealth Creation
Encouraging savings culture through recurring deposits, fixed deposits, and disciplined financial habits.
Enterprise Diversification
Helping entrepreneurs identify new opportunities for income generation and business expansion.
Digital Banking Awareness
Safe use of digital transactions, cyber-security practices, fraud prevention, and responsible digital finance.
Social Awareness & Community Development
Promoting collective action on social issues, community leadership, and women empowerment.
Impact
- Improved financial literacy
- Enhanced banking participation
- Increased household savings
- Greater digital confidence
- Stronger community networks
- Sustainable socio-economic development
Result
By combining finance with education and community development, ACFL creates empowered individuals who are better equipped to build secure financial futures for themselves, their families, and their communities.
Our Commitment
| Product Details | Joint Liability Group (JLG) | Micro Credit Business (MCB) | MSME Finance |
|---|---|---|---|
| Purpose | Livelihood Generation & Financial Inclusion | Enterprise Development & Business Growth | Business Expansion & Working Capital |
| Target Beneficiaries | Women-led Joint Liability Groups | Individual Micro Entrepreneurs | Registered MSMEs & Growing Enterprise |
| Nature of Loan | Unsecured | Unsecured | Unsecured |
| Loan Model | Group-Based Lending | Individual Lending | Individual Lending |
| Minimum Loan | ₹50,000 | ₹50,000 | ₹1,00,000 |
| Maximum Loan | ₹75,000 | ₹1,50,000 | ₹5,00,000 |
| Repayment Method | Monthly | Monthly | Monthly |
| Loan Term | 12 / 24 months | 24 months | Up to 36 Months |
| Primary Objective | Women’s Empowerment & Sustainable Livelihoods | Entrepreneurship & Enterprise Development | Business Scaling & Employment Generation |
| Expected Impact | Financial Inclusion and Household Income Enhancement | Business Growth and Local Economic Opportunity | Enterprise Expansion and Sustainable Economic Development |
| Applicable On | Minimum Interest Rate (%) | Maximum Interest Rate (%) | Average Interest Rate (%) | Processing Fee |
|---|---|---|---|---|
| Microfinance Loans* | 27.5% | 27.5% | 26.75% | 1.5% |
Note: The above Interest Rates are applicable from 16/07/2026.
*Annualised Interest Rate on Reducing Balance Basis.
Subject to revision as per RBI norms.
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