Sanctions up to ₹10,00,000

Disha Member Loan Scheme

Empowering women entrepreneurs, small business owners, and member families with transparent lending at 24% reducing balance interest rate and zero hidden fees.

24% Annual Reducing Interest RateSanctions: ₹10,000 to ₹10 LakhsFlexible 1 to 2 Years Repayment TenureQuick Member Verification in Jaipur

Calculate Loan EMI Helpline (63763 49261)

DISHA Cooperative

Loan Range

₹10K – ₹10 Lakhs

Tailored for small emergency needs to boutique enterprise expansion.

Interest Method

24% Reducing

Pay interest only on outstanding principal balance as you repay.

Repayment Tenure

1 to 2 Years

Choose between 12 months or 24 months manageable monthly EMIs.

Transparency

100% Ethical

Zero hidden loan processing charges, commissions, or fine print.

Fair Cooperative Lending

Why 24% Reducing Rate Saves You Money

Unlike informal moneylenders or flat-rate lenders who charge interest on the entire original principal throughout the tenure, our 24% Reducing Rate calculates interest exclusively on the exact balance principal you still owe.

Decreasing Interest Payout: As you pay each monthly EMI, the interest fraction drops continuously.

Pre-payment Freedom: Part-prepay or settle early whenever you have surplus funds without penalty.

Clear Monthly Passbook Ledger: Every single rupee repaid is transparently recorded in your member ledger.

Loan Example: ₹1 Lakh for 1 Year

12 Months

Loan Principal:₹1,00,000

Interest Rate:24% Reducing p.a.

Tenure:12 Months

Monthly EMI:₹9,456 / mo

Total Interest Paid:₹13,472

Apply for Member Loan Scheme

Interactive Loan EMI Calculator

Calculate Your Custom Loan EMI

Select your required amount between ₹10,000 to ₹10,00,000 and view your exact monthly payment breakdown.

Deposit Amount

₹50,000

Deposit Period

Senior Citizen Advantage (+0.25% to +0.50%)

For cooperative members aged 60+ years

Cooperative Safety: Capital backed under Rajasthan Cooperative Societies bylaws with no reduction penalty on standard premature exits.

Contracted ROI Rate7.5% p.a.

Quarterly Compounded

Total Maturity Payout

₹53,857

+₹3,857 Guaranteed Profit

Principal: ₹50,000Gain: ₹3,857

Deposit Period:1 Year (12 Months)

Compounding Frequency:Every 90 Days (Quarterly)

Capital Safety:100% Cooperative Guaranteed

Proceed to Open FD Account

Loan Eligibility Criteria

Simple requirements for Jaipur members

Must be a registered active member of DISHA Women Cooperative Society

Age between 18 years to 65 years

Resident of Jaipur / Rajasthan with verifiable local address

Engaged in business, self-employment, craft, trade, or regular household income

Cooperative member reference / guarantor

Documentation Checklist

Basic KYC documents needed

Aadhaar Card copy (Identity & Address proof)

PAN Card copy

2 Passport size color photographs

Last 6 months Bank Statement / Bank Passbook copy

Society Membership Passbook / Share Certificate copy

Seamless Loan Lifecycle

How to Avail a Member Loan

Simple, transparent 4-step process at our Jawahar Nagar, Jaipur office.

Become a Society Member

Enroll with nominal ₹10 Membership Fee and ₹100 Share Capital.

Submit Loan Application

Fill the simple 1-page member loan form along with basic KYC documents.

Quick In-House Verification

Fast verification by our cooperative committee with zero bureaucratic delay.

Direct Disbursement

Funds disbursed directly to your bank account or cooperative savings ledger.

Rajasthan Cooperative Registration: COOP/2025/JAIPUR/COS/500235

Need a Member Loan Consultation?

Visit our Sector 2 Jawahar Nagar office in Jaipur or submit your enquiry online for fast assistance.

Apply for Member Loan Scheme Helpline (63763 49261)

Sector 2, Jawahar Nagar, Jaipur • Save Today, Secure Tomorrow