Sub-K / Microfinance Loan

Microfinance Loan


Microfinance has emerged as one of the most sustainable and relevant tools for financing micro-entrepreneurs and has had a positive impact on the lives of the underserved. Sub-K began its credit facilitation services in 2015, with the focus on financially assisting and empowering women, believing that micro-credit could catapult their journeys; helping them realize their true potential. Through partnerships with various banks, Sub-K provides affordable and accessible microfinance loans to women across the country.

Today, our Microfinance Vertical (a part of Credit Facilitation Services), is present in 13+ states catering to 5 lakh+ customers. We believe that our operating model is client-centric and locally rooted. Our staff from every corner of the country is motivated to realize Sub-K’s vision to achieve true financial inclusion and provide technology enabled financial services to the underbanked at their doorstep.

Sub-K follows the Joint Liability Group methodology where groups of women residing in the vicinity, who act as a guarantor for each other, are provided loans. The process starts from customer acquisition, followed by a compulsory group training (CGT), group recognition test (GRT), random verification (RV), disbursement and loan recovery.

Given below is a typical micro lending process followed starting from village survey to collection of the last installment:

MFI Process Flow

Microfinance Loan Process Flow