Portfolio surpassed Rs.40 Crore || Twenty-sixth Branch of BJS at Kuchlibari in Cooch behar district || We have reached at our sixth district at Darjeeling || The Official Logo changed || More than 36,000 active members. || Sixteen Financial Partners. || Nine Public Sector Banks as Financial Partners. || CoCA Grade “M4C2” || Rating Grade “MFI 3+”

Water & Sanitation

Loan Product Name : Water & Sanitation
Brief Description : Drinking water and sanitation facilities are very important and crucial for achieving the goal of “HEALTH FOR ALL”. Whereas a significant number of households do not have any access to good quality of drinking water and minimum sanitation facilities. BJS has designed a loan product for water & Sanitation exclusively for the poor so that they can have access to safe drinking water and improved sanitation facilities.
Target Clients :
  • Household women of the above mentioned family who are BJS client for at least one year and having a good credit history.
Criteria of a client :
  • Women who engaged in small income activities.
  • Between 18-58 years old
  • Should have a income generating activity
  • Household income should not be more than ₹1,00,000 & ₹1,60,000 per annum in rural and urban areas respectively.
  • Not have outstanding account with more than one MFI.
  • Total indebtedness should not exceed ₹1,00,000
Purpose :
  • Water
    1. New Supply -connection, Tube well, dug-well etc.
    2. Repairing and renovation of existing water supply arrangement.
  • Sanitation
    1. Newly built
    2. Repairing and renovation of existing sanitation arrangement.
Lending Methodology : Individual (through Group)
Loan Ceiling : Maximum ₹40,000
Minimum ₹10,000
Subsequent increase amount : Maximum ₹5,000 from previous loan amount depends on evaluation marks)
Tenure : Maximum Two Year
Minimum One year
Interest & Fees : Rate of Interest 20% p.a. on reducing balance
Processing Fees 1% on loan amount
Insurance Fees 0.50% on loan amount
Mode of Repayment : Weekly/Fortnightly/monthly as per borrower choice

News Update

Our Achievements

As on 31st January 2018
No. of Branches : 26
No. of Districts : 6
No. of Blocks : 45
Total Staff Strength : 139
No. of Frontline Staff : 88
No. of Active Groups : 2,282
No. of Active Members : 36,357
No. of Active Borrowers : 28,977
Cummulative Loan Disbursed (in Lakhs) : 25,429.03
Loan Portfolio (in Lakhs) : 4,185.48
Average Loan Size on outstanding : 14,444
On time Repayment Rate : 99.87%
No. of Loans per Credit Officer : 329

Where We Work