| Product | Category | Loan Amount | Annualized interest rate on a reducing balance basis | Processing fees | Tenure |
| Samriddhi | Unsecured | 50,000 to 2,50,000 | 28%-30% p.a. | 3% on Loan amount plus GST as applicable | 6 to 48 months |
| Secured | 80,000 to 6,00,000 | 28%-30% p.a. | 6 to 48 months | ||
| Cattle Unsecured | 50,000 to 3,00,000 | 24%-28% p.a. | 6 to 48 months | ||
| Cattle Secured | 2,25,000 to 7,00,000 | 24% p.a. | 6 to 48 months |
*The above product is available as per the Credit Policy and disbursement of the same shall be at the sole discretion of Pahal.
Client’s categorization for Interest rate range:
Pahal follows a structured risk-gradation framework to ensure responsible and transparent lending. Each loan is assessed using a robust set of parameters such as borrower profile, financial condition, repayment history, loan type, past-due status, and customer vintage. This categorization helps determine appropriate pricing, review frequency, credit oversight, and provisioning levels. By integrating risk grading with portfolio monitoring, Pahal is able to identify early warning signals, manage credit quality proactively, and maintain adequate capital buffers—ensuring a balanced and sustainable lending ecosystem.
