A Joint Liability Loan That Builds Trust and Livelihoods

Access credit without collateral through collective strength. Sahayog's Joint Liability Loan enables groups to borrow responsibly, support one another, and build sustainable income-especially in rural and semi-urban communities.

Joint Liability Loan group meeting and loan overview
No Collateral Required
Group Guarantee Model
Weekly Installments
Women-Centric Lending

Numbers That Matter for Your Financial Growth

See how our trusted services, wide reach, and member satisfaction make a difference in every financial journey.

1.8L+

Members Benefitted

Through group lending

250+

Branches Nationwide

Supporting outreach

75+

Active JLL Locations

Across multiple states

How the Joint Liability Loan Model Works

Collective Borrowing Approach

Small groups typically 7 to 10 members-borrow together to fund income-generating activities, creating mutual accountability.

Shared Responsibility Framework

Each member remains responsible for their own loan while supporting the group's overall repayment discipline.

Illustration showing group lending and community empowerment

Key Benefits of Joint Liability Loan

Sahayog's Joint Liability Loan goes beyond financing-it strengthens communities, encourages financial discipline, and promotes long-term self-reliance.

  • Collateral-Free Access to Credit: Members can access loans without pledging assets, making finance accessible to first-time borrowers.
  • Doorstep & Centre-Based Services: Loan disbursement, repayments, and engagement are managed through regular centre meetings close to the community.
  • Financial Literacy & Guidance: Borrowers receive basic financial education to manage credit responsibly and build sustainable livelihoods.

Testimonials

Voices of Growth & Empowerment

Rahul Bhoyar testimonial - inspiration for every young professional
Sangeeta Rahangdaale's inspiring journey with Sahayog testimonial
Narendra Meshram testimonial - village to visionary inspirational story
Empowered and evolved - the Mausi to Madam testimonial with Sahayog
Beyond disability - how mindset transforms lives testimonial
Inspiring journey from driver to sales manager - SAHAYOG testimonial
Sahayog - the force behind my second chance at life testimonial
Mangesh Kathane inspirational transformation testimonial - road to success
Transforming lives - people stories featuring Nikhil Mallah testimonial
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Faq's

Frequently Asked
Question

A Joint Liability Loan (JLL) is a group-based microloan where 7 to 10 women borrow together and collectively support each other in repayments. This model encourages financial discipline and social support among members.

A Joint Liability Loan group typically consists of 7–10 women who borrow together.

No. JLL is collateral-free and works on mutual guarantee within the group.

Repayments are collected weekly at group centre meetings.

JLL operates across Maharashtra, Madhya Pradesh, Karnataka, Uttarakhand, Jammu & Kashmir, and Himachal Pradesh.