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IDBI Bank Micro Loan
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IDBI Bank extends financial assistance through SHGs/JLGs in the form of small loans (micro loans) to borrowers. It is designed to support entrepreneurship and to empower women by extending financial services.


Members of SHGs/JLGs and SHGs, JLGs for consumption and income generating activities

Consumption loan

Rs.1.25 lakh in rural area
Rs.2.00 lakh in non-rural areas

Other Activities

No annual Income criteria

Loan Amount

Minimum: Rs. 0.10 lakh.
Maximum: Rs. 1.00 lakh per individual borrower/ members of SHG/JLG, subject to the limit of Rs.10 lakh for SHGs/JLGs.

Term Loan          

Minimum: 12 months
Maximum: 60 months

Cash Credit

3 Years with annual review

You can now Download Application Form
Application Form


Rate of Interest for Microfinance Loans

A microfinance loan is defined as a collateral-free loan, irrespective of end use and mode of application/processing/disbursal (either through physical or digital channels), provided to a household having annual household income up to Rs.3,00,000. The household shall mean an individual family unit, i.e., husband, wife and their unmarried children.

Rate of Interest for Microfinance Loans
Minimum 13.10%
Maximum 26%
Average 20.85%