Exux Group · Micro Finance
Small Credit, Significant Outcomes — Financing the Backbone of Bharat
Group & individual micro-loans for self-employed and rural enterprises. Doorstep service.
Micro Finance is purpose-built for the millions of Indians whose livelihoods are too small for mainstream banking, yet whose ambition powers the country's informal economy. EXUX Group facilitates collateral-free micro-credit — through Joint Liability Groups, Self-Help Groups and individual loans — alongside financial-literacy support that helps every borrower build a formal credit footprint.
What it covers
Designed for income-generating activities, not consumption
Funding is structured around productive end-use — buying inventory, livestock, sewing machines, small equipment or working capital — so that each cycle of credit translates into a measurable income uplift for the borrower's household.
Key Advantages
Why borrowers choose Exux Group
Fully Collateral-Free
No asset pledge, no guarantor — eligibility based on group standing or income.
Group & Individual Models
Joint Liability Groups, Self-Help Groups or individual loans, depending on profile.
Small-Ticket Sizes
Loans starting from ₹10,000 — sized to actual working-capital needs.
Weekly / Fortnightly EMIs
Repayment cycles aligned with daily-cash informal businesses.
Doorstep Servicing
Loan officer visits for disbursal, collection and renewals — no branch visit needed.
Build Formal Credit
Every cycle reported to credit bureaus, building a track record for larger lending later.
Plan with clarity
EMI calculator & rate benchmarks
EMI Calculator
Estimate your monthly outflow in seconds.
Monthly EMI
₹2,594
₹50,000
₹12,254
₹62,254
Indicative Rate Bands
Interest spreads across lender categories (% p.a.)
Pricing is governed by RBI's Master Direction on Microfinance (2022) — capped on a margin-over-cost basis. Source: indicative market data.
Who is eligible?
Targeted at low-income, self-employed individuals — primarily women — engaged in or planning a productive income-generating activity.
- Age 18 – 60 years
- Annual household income ≤ ₹3 lakh (RBI MFI norms)
- Indian resident with stable address ≥ 1 year
- Member of an active JLG / SHG (where applicable)
- Existing or planned income-generating activity
Borrower KYC
- Aadhaar Card (mandatory)
- PAN Card or Voter ID
- Recent passport-sized photographs
- Address proof: ration card, utility bill or Voter ID
- Bank account passbook or statement
Group / Activity Proof
- JLG / SHG formation letter (where applicable)
- Group savings passbook or meeting register
- Brief description of income-generating activity
- Trade licence or shop registration (if available)
- Reference from village / community leader
Curated Lender Network
Our Banking Partners
We compare offers across India's leading public sector banks, private banks and NBFCs — so you get the best rate, eligibility-fit and disbursal speed in one place.
Small credit. Real change. Dignified delivery.
Connect with an Exux Group micro-finance officer to understand the right structure for your group, your activity and your repayment cycle.