Empowering Growth Through Microfinance
We are dedicated to empowering rural communities, women entrepreneurs, and small businesses through accessible and affordable microfinance solutions. Partner with us to build a brighter, more prosperous future for your family and community.
Committed to financial inclusion and community empowerment
Navachetana Livelihoods Private Limited (NLPL) was founded with a vision to empower underserved communities through sustainable microfinance solutions. Our commitment to financial inclusion drives us to reach those who need it most.
We believe in building lasting relationships with our clients, understanding their unique needs, and providing financial services that help them grow their businesses, improve their livelihoods, and secure their families' futures.
Focused on supporting women-led enterprises and self-help groups
Dedicated to serving rural and semi-urban communities
Competitive interest rates with transparent terms
Comprehensive microfinance products tailored to your needs
Group loans for women entrepreneurs and self-help groups. Members support each other for successful repayment.
Personalized loans for existing businesses looking to expand, purchase inventory, or improve operations.
Specialized loans for farmers covering crop production, equipment purchase, and livestock acquisition.
Free training workshops on savings, budgeting, and financial planning for community members.
Get your loan in 4 easy steps
Visit our office or contact our field officer in your area. We'll explain our loan products and help you choose the right one.
Provide basic KYC documents like Aadhaar, PAN, photos, and address proof. For groups, complete group formation process.
Our team verifies your application and documents. Most applications are approved within 3-5 working days.
Once approved, loan amount is disbursed directly to your bank account. Start using funds for your business!
Contact us today to learn more about our loan products and eligibility criteria.
Apply for a LoanReal stories from real people whose lives we've touched
"Thanks to Navachetana, I was able to expand my tailoring business. The loan process was simple and the staff was very supportive throughout."
"Our women's self-help group received funding that helped 10 families start their own small businesses. We are grateful for the trust they placed in us."
"The agricultural loan helped me buy better seeds and equipment. My yield has increased by 40% this season. Thank you Navachetana!"
Find answers to common questions about our services
Basic documents required include: Aadhaar Card, PAN Card (if available), 2 passport-size photographs, address proof, and bank account details. For business loans, additional documents like business proof may be required.
Our interest rates are competitive and vary based on the loan type and tenure. We follow RBI guidelines and ensure complete transparency in all charges. Contact us for specific rates applicable to your loan requirement.
Most loan applications are processed within 3-5 working days after document submission. For group loans, additional time may be required for group training and formation process.
No! Our microfinance loans do not require any collateral or security. For group loans, the joint liability of group members serves as social collateral. Individual loans are based on your income and repayment capacity.
We offer flexible repayment options including weekly, fortnightly, and monthly installments. For agricultural loans, we also offer seasonal/bullet repayment options aligned with harvest cycles.
Yes! Once you successfully repay your first loan, you become eligible for a higher loan amount in the next cycle. Our repeat borrowers often qualify for better terms and faster processing.
Have questions? We're here to help!
Haveri, Karnataka - 581110
+91 63645 76559
Mon - Sat: 9:00 AM - 6:00 PM
grievance@navachetanagroup.com
Monday - Saturday
9:00 AM - 6:00 PM
Transparent information on how we handle your data
Welcome to Navachetana Livelihoods Private Limited . We are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our microfinance services.
We may collect personal information that you voluntarily provide to us when you apply for a loan, contact us, or participate in our programs. This information may include:
We use the information we collect for the following purposes:
We do not sell your personal information. We may share your information with:
We implement appropriate technical and organizational measures to protect your personal information from unauthorized access, loss, misuse, or alteration. We regularly review our security practices to ensure your data remains safe.
You have the right to access, correct, or update your personal information held by us. If you wish to exercise these rights or have any concerns about your data, please contact our Grievance Officer.
Guidelines for using our services
Welcome to Navachetana Livelihoods Private Limited. These Terms and Conditions govern your access to and use of our website and microfinance services. By accessing or using our services, you agree to be bound by these terms.
To avail of our microfinance services, you must meet our eligibility criteria, which may include:
Submission of a loan application does not guarantee approval. We reserve the right to approve or reject any application based on our internal assessment and credit policies. We verify all information provided by you.
Interest rates are determined based on the loan product and market conditions, in accordance with applicable regulations. You agree to repay the loan amount along with the applicable interest within the specified tenure.
You agree to use the loan amount solely for the purpose stated in your application (e.g., business expansion, agriculture, etc.). Misuse of loan funds may result in immediate recall of the loan.
You agree to provide accurate, current, and complete information during the application process. You are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account.
These Terms shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law provisions.