Empowering Micro Enterprises with Comprehensive Financial Solutions
Micro Units Development and Refinance Agency Ltd. [Dhani] is an NBFC supporting development of micro enterprise sector in the country. Dhani provides refinance support to Banks / MFIs / NBFCs for lending to micro units having loan requirement upto 20 lakh.
Dhani provides refinance support to micro business under the Scheme of Pradhan Mantri Dhani Yojana. The other products are for development support to the sector.
For early-stage startups and micro-enterprises
For established businesses seeking expansion
For well-established businesses with track record
For scaling successful enterprises to next level
With an objective to promote entrepreneurship among the new generation aspiring youth, more focus is given to Shishu Category Units followed by Kishore, Tarun and Tarun Plus categories.
Micro Credit Scheme is offered mainly through Micro Finance Institutions (MFIs), who deliver the credit up to 1 lakh, for various micro enterprise / small business activities. Although the model of delivery may be through SHGs/JLGs/ Individuals, the loans are given by the MFIs to individual entrepreneurs for specific income generating micro enterprise/ small business activities.
Finance through Micro Finance Institutions (MFIs)
Different banks like Commercial Banks, Regional Rural Banks, Small Finance Banks, Urban Co-operative Banks and NBFCs are eligible to avail refinance support from Dhani for financing micro enterprise activities. The refinance is available for term loan and working capital loan up to an amount of 20 lakh per unit.
Loans up to ₹20 Lakh per unit
For Vendors, Traders, Shopkeepers and other Service Sector activities
Working capital loan through Dhani Cards
Equipment Finance for Micro Units
Transport Vehicle loans for commercial use only
Loans for agri-allied non-farm income generating activities
Tractors, tillers as well as two wheelers used for commercial purposes only
Purchase of transport vehicles for transportation of goods and passengers such as auto rickshaws, small goods transport vehicles, 3 wheelers, e-rickshaws, taxis, etc. Tractors/Tractor Trolleys/Power Tillers used only for commercial purposes are also eligible.
Salons, beauty parlours, gymnasium, boutiques, tailoring shops, dry cleaning, cycle and motorcycle repair shops, DTP and Photocopying Facilities, Medicine Shops, Courier Agents, etc.
Activities such as papad making, achaar making, jam/jelly making, agricultural produce preservation at rural level, sweet shops, small service food stalls and day to day catering / canteen services, cold chain vehicles, cold storages, ice making units, ice cream making units, biscuit, bread and bun making, etc.
Handloom, powerloom, khadi activity, chikan work, zari and zardozi work, traditional embroidery and hand work, traditional dyeing and printing, apparel design, knitting, cotton ginning, computerized embroidery, stitching and other textile non garment products.
Financial support for on lending to individuals for running their shops / trading & business activities / service enterprises and non-farm income generating activities with beneficiary loan size of up to 10 lakh per enterprise / borrower.
Setting up micro enterprises by purchasing necessary machinery / equipments with per beneficiary loan size of upto 20 lakh.
'Activities allied to agriculture', e.g. pisciculture, bee keeping, poultry, livestock-rearing, grading, sorting, aggregation agro industries, diary, fishery, agri-clinics and agribusiness centres, food & agro-processing, etc.