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On a Mission to Empower Rural Communities

At Supra Pacific, we are committed to fostering sustainable growth and development in rural communities. Our range of microfinance services including group lending is specifically designed to empower communities and groups of individuals in these areas to achieve their full potential.

Group financing, also known as group lending, is a type of microfinance service that involves lending money to a group of individuals or small businesses, rather than to individual borrowers. In this model, the group members are collectively responsible for repaying the loan, and the group as a whole provides mutual support and accountability.

By providing access to affordable loans, financial education, and other support services, we aim to help build strong, vibrant communities that can continue to grow and thrive for generations to come. This is particularly important for those who are not served by traditional banking systems, and for women who are often excluded from financial services due to cultural barriers and gender discrimination.

Growth Story

Our Microfinance Growth Story

1986-Started our first branches in Kerala

2005-Opened 10 branches in Tamil Nadu and Kerala

2013-Introduced group lending schemes for more categories

2020-Started digital loan repayment portals




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Yes, Supra Pacific does offer microfinance services. Their microfinance loans are specifically designed for female clients who want to start or expand their income-generating activities. These loans are based on the principle of joint liability, where a group of 5 to 25 women is organized into a center and each member takes responsibility for the repayments of the others in the group. The loans can be used for a variety of purposes, such as business expansion, working capital needs, purchasing raw materials, buying animals, paying for education or marriage expenses, or consolidating debt. The loans are repayable in equal installments over a fixed period of time.

Supra Pacific microfinance services have certain restrictions on the categories of individuals or groups who are eligible for a loan. These restrictions are designed to ensure the safety and stability of the loan program. The following categories of individuals or groups are not eligible for a loan from Supra Pacific microfinance services:

  • Political leaders
  • Big landlords
  • People with large amounts of debt from banks and financial institutions
  • Wine and liquor shop owners
  • Police officers, lawyers, and their immediate family members
  • People running finance and chit fund businesses
  • People involved in real estate business
  • People with bad credit history
  • Migrants
  • Government employees
  • Temporarily rehabilitated people
  • Families with members in the Gulf or abroad (spouse and children)
  • Staff and their immediate family members, including mothers, sisters, or wives of the staff working at Supra Pacific.

This list is not exhaustive and Supra Pacific reserves the right to make final determinations on loan eligibility based on their own criteria and policies.

A relationship officer in a microfinance business plays an important role in establishing and maintaining strong connections with clients. They are responsible for overseeing the loan repayment process and ensuring that clients are able to repay their loans on time. The relationship officer is typically the primary point of contact between the microfinance company and the clients. During weekly, fortnightly, or monthly meetings, the relationship officer collects loan repayments and provides clients with any support or information they may need. This regular interaction helps to build trust and establish a positive relationship between the microfinance company and its clients.

A Comprehensive Group Training (CGT) is a one-day training program designed to develop group responsibility and joint liability among members of a microfinance group. The training is conducted by the Relationship Officer (RO) and covers a variety of topics related to the loan process, including information about the loan terms and conditions, the importance of discipline in meetings, and the eligibility criteria for loan applicants. The goal of the training is to ensure that all members of the microfinance group are fully informed about the loan process and the responsibilities that come with it. This includes verifying that the group has been formed by the clients themselves and that all members know each other and belong to the same locality. 

  • Applicant age - Minimum age of the applicant is 18 years while the maximum age should be 55 years. The health, income stability, economic activity records, and stability and support from family members will be taken into consideration while issuing loans to applicants over the age of 50 years.
  • Co-applicant age - Minimum age of the co-applicant is 18 years while the maximum age is restricted to 63 during the time of loan entry.
  • Regular Income - The applicant should be economically active and must have a regular source of income. The business should be verifiable at the time of house verification.
  • Residence Stability - It is preferred that the applicant has stayed in the current residence for at least 3 years. In the case of newly married clients, the applicant should have recorded a stay of 6 months minimum in the new house while the spouse should have stayed there for at least 3 years.
  • Standard of Living - The standard of living of the applicant will be assessed in order to determine eligibility.
  • The assessment will be based on the type of house they are living in and The kind of assets owned by them

  • Each centre should have 5 - 20 members who are economically active and have regular income streams.
  • The group meeting place should not be more than 750 metres from each member’s residence.
  • At least 75 % of the members in the centre must have their own house. Members staying on rent should be less than 25%.
  • Only one member from one household is allowed. 
  • Only two kin relations are not allowed in the same centre.
  • All members should know each other and must belong to the same locality.


At Supra, we are committed to providing excellent customer service and support. If you have any questions or concerns, please do not hesitate to reach out to us. Just drop in your contact details and our team will reach out to you ASAP!