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Operational Model

Operation Model

Arohan's business operations are focused on low-income households that have limited or no access to formal financial institutions. Our goal is to provide these households with support for their financial needs. Our target customers are women with an annual household income of INR200,000.00 or less in urban areas and INR125,000.00 or less in non-urban areas. We predominantly provide our core financial loans to groups consisting of three to five women. A centre typically has between eight and 30 members in total.

We offer collateral free loans to customers who are willing to borrow in a group and agree to accept joint liability for the group's loans, which we refer to as the joint liability group model ("JLG model"). Our JLG model enables our customers, who typically do not have sufficient collateral, to gain access to formal credit. Our JLG model also provides a community support system for our customers, regardless of their financial circumstances.

Get In Touch


PTI Building, 4th Floor,
DP-9, Sector V, Salt Lake,
Kolkata 700 091

Phone: +91 33 40156000

We would love to get in touch with you and send you exclusive offers, information and newsletters by email, post, SMS, phone and other electronic means. We'll always treat your personal details with the utmost care and will never share them with other companies for marketing purposes.

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