Our Vision
Developing and implementing efficient, effective financial policies, plans and reporting systems that assure the long-term fiscal health of every member we serve.
Est. 2024 Regd. under the Companies Act, 2013
Money that works
Money that works
as hard as you do.
“Secure your capital, multiply your returns.”
Aagraha Investments & Financing Pvt. Ltd. brings dependable money management to Erode and beyond — fixed investments, daily and monthly saving schemes, gold loans and micro-credit for street vendors, women entrepreneurs and Self Help Groups.
MCA Supervised
Up to 15% p.a. Returns
SHG & Women Focused
Erode, Tamil Nadu
12% – 15%
Fixed Investment p.a.
₹100
Start Saving Daily
0%Max Interest Return p.a.
0%Guaranteed on Savings
0%Funded on New Gold
0Financial Products
MCA, Govt. of IndiaUnder supervision
Companies Act, 2013Private Limited Company
U64990TZ2024PTC033049Corporate Identity No.
28 November 2024Date of Incorporation
Erode, Tamil NaduRegistered Office
01 — About Us
A company built to lift
A company built to lift
livelihoods, not just ledgers.
Aagraha Investments & Financing Pvt. Ltd. [Aagraha] is a closely held private limited company registered under the Companies Act, 2013, and automatically comes under the supervision of the Ministry of Corporate Affairs (MCA), Government of India.
The aim of the company is to promote the economy of street vendors and to further develop their businesses — providing loans and encouraging them in various ways. Aagraha also provides financial support to women in both urban and rural areas, to enhance their financial livelihoods and help them start new businesses.
Aagraha is engaged in providing micro-loans under the Individual / SHG model along with credit-linked insurance, delivered at our members' doorstep on behalf of our lending partners.
The company was promoted by its Directors — all hailing from one Aagraha family. The promoters are also founder directors of the Welfare Organization for Multipurpose mass Awareness Network (WOMAN), an Erode-based welfare trust with a social outlook for women's welfare and empowerment.
Our Mission
To promote the economy of street vendors and empower women in urban and rural areas with the credit, savings discipline and confidence to build their own businesses.
Our Goal
To meet each individual's financial needs in a timely manner — with the right product, at the right time, on terms they fully understand.
Insurance Partner
Credit-linked insurance is offered alongside our micro-loans so a member's family stays protected through the life of the loan.
02 — Services We Provide
Everything you need, under one roof
From a monthly savings deposit to a bill payment or a travel booking — one branch, one team, one relationship you can walk back into.
Financial Services
Secure fund transfers, account opening support and micro-ATM cash services — handled at our Erode branch or at your doorstep.
Learn MoreLending & Insurance
Personal, business, gold and vehicle loans with flexible repayment options, alongside credit-linked insurance through our partner.
Learn MoreTravel & Exchange
Book your tickets, exchange currency and plan your travel with ease — without a second trip to a second counter.
Learn MoreUtility & Other Services
EB bill payments, PAN card services and reliable courier options — the everyday errands, finished in a single visit.
Learn MoreCredit Card Advance
Get an instant cash advance against your credit card whenever an urgent need comes up, on terms explained to you up front.
Learn More
03 — Our Products
Seven ways to grow and borrow
Whether you want your savings to earn a guaranteed return or you need working capital by this evening, there is an Aagraha product built for it.
Fixed Investment
Place a fixed sum with Aagraha and earn assured interest of 12.00% to 15.00% per annum. Choose to draw your interest monthly, quarterly, half-yearly or yearly, with the principal returned in full on maturity.
Saving Scheme
A low-risk financial tool that helps you save a fixed amount every day, week or month while earning a guaranteed 10% interest. It works like a monthly savings plan with the fixed-return benefit of a Fixed Investment.
Business Loan
An unsecured business loan sanctioned on the strength of the borrower's credit history, without any collateral — so a good repayment record is all the security you need to expand your trade.
Gold Loan
Raise funds instantly against your household gold. Choose a repayment structure that suits your cash flow — monthly interest, bullet repayment, or regular EMIs. Because the loan is secured by physical gold, your credit score is not a barrier.
New Gold Purchase Loan
Buying new gold? Aagraha funds 70% of the value while you pay the remaining 30% directly at the jewellery shop of your choice. Repay comfortably through weekly, bi-weekly or monthly instalments.
Self Help Group (SHG)
A credit facility for a group of 10 to 20 individuals — most often women — designed to encourage savings, promote internal lending, and fund livelihood or income-generating activities within the community.
Personal Loan
An unsecured loan that can be used to meet any type of financial requirement — a wedding, medical need, education or emergency. Available to salaried individuals.
Not sure which fits?
Tell us how much you need and how you'd like to repay. Our team will match you to the right product and explain every charge before you sign anything.
Talk to an advisor
04 — Schemes & Returns
Every rupee, accounted for
Full, published tables — no hidden slabs, no fine print you have to ask for. Use the calculator to see exactly what your investment returns.
Daily Savings
365 Days₹100 / day→₹40,150
₹200 / day→₹80,300
₹300 / day→₹1,20,450
₹500 / day→₹2,00,750
Maturity value after 365 days of saving.
Weekly Savings
52 Weeks₹100 / week→₹5,720
₹200 / week→₹11,440
₹300 / week→₹17,160
₹500 / week→₹28,600
Maturity value after 52 weekly deposits.
Monthly Savings
12 Months₹500 / month→₹6,600
₹1,000 / month→₹13,200
₹2,000 / month→₹26,400
₹5,000 / month→₹66,000
Maturity value after 12 monthly deposits.
Guaranteed 10% interest is applied on the total amount saved across the scheme term.
Premature withdrawal is permitted, typically subject to a 1% penalty on the applicable interest
rate for the period held. In the event of a depositor's death, payment is made to the legal heir
or nominee before maturity without any penalty.
| S. No | Investment | Interest Rate | No. of Years | Interest Returns | Yearly Interest | Maturity Amount | ||
|---|---|---|---|---|---|---|---|---|
| Monthly | Quarterly | Half-Yearly | ||||||
| 1 | ₹ 1,00,000 | 12.00% | 1 | ₹ 1,000 | ₹ 3,000 | ₹ 6,000 | ₹ 12,000 | ₹ 1,12,000 |
| 2 | ₹ 1,00,000 | 12.00% | 3 | ₹ 1,000 | ₹ 3,000 | ₹ 6,000 | ₹ 12,000 | ₹ 1,36,000 |
| 3 | ₹ 2,00,000 | 12.00% | 3 | ₹ 2,000 | ₹ 6,000 | ₹ 12,000 | ₹ 24,000 | ₹ 2,72,000 |
| 4 | ₹ 3,00,000 | 12.00% | 3 | ₹ 3,000 | ₹ 9,000 | ₹ 18,000 | ₹ 36,000 | ₹ 4,08,000 |
| 5 | ₹ 5,00,000 | 12.00% | 3 | ₹ 5,000 | ₹ 15,000 | ₹ 30,000 | ₹ 60,000 | ₹ 6,80,000 |
| 6 | ₹ 7,00,000 | 15.00% | 5 | ₹ 8,750 | ₹ 26,250 | ₹ 52,500 | ₹ 1,05,000 | ₹ 12,25,000 |
| 7 | ₹ 10,00,000 | 15.00% | 7 | ₹ 12,500 | ₹ 37,500 | ₹ 75,000 | ₹ 1,50,000 | ₹ 20,50,000 |
← Swipe to see all columns →
How to read this table. Interest is calculated on the invested amount at the stated rate
and can be drawn monthly, quarterly, half-yearly or yearly — the choice is yours at the time of
investment. The Maturity Amount shown assumes interest is accumulated and paid together with
the principal at the end of the term.
Investment Term3 Years
Interest PayoutMonthly
Applicable Rate12.00% p.a.
As per the published scheme table: 12.00% p.a. for terms up to 3 years, 15.00% p.a. for terms of 5 years and above.
Maturity Amount
₹ 1,36,000
₹1,00,000 invested for 3 years at 12.00% p.a.
Interest paid monthly₹ 1,000
Interest per year₹ 12,000
Total interest earned₹ 36,000
Principal returned₹ 1,00,000
Indicative figures only. Actual returns, payout dates and applicable terms are confirmed in your investment receipt at the time of deposit. This calculator follows the company's published Fixed Investment scheme table and is not an offer or a guarantee.
Start This Investment
Self Help Groups
Credit that stays in the community
05 — Social Impact
Finance is the tool.
Finance is the tool.
Dignity is the outcome.
In collaboration with the Makkal Yuva Kendra non-governmental organisation, Aagraha provides social services across many districts — feeding the homeless and running training programmes for the improvement of women's livelihoods.
POSH & Safety Awareness Camps
We conduct POSH training and safety awareness camps for women in schools, factories, hospitals and many other institutions.
Vocational Education for BPL Families
Vocational education covering everything below-poverty-line families need for their daily lives, paired with financial assistance for individual development.
Foundation of Employment
Financial assistance that builds a foundation for employment — raising people's ability to manage their finances and encouraging everyone's entrepreneurial spirit.
Women's Welfare & Empowerment
Our promoters are founder directors of WOMAN — the Welfare Organization for Multipurpose mass Awareness Network, an Erode-based welfare trust.
06 — Gallery
Moments from the field
Members, meetings and milestones from across our service area.
07 — Loan Enquiry
Tell us what you need. We'll call you back.
Share a few details and our team will get in touch to explain your options, eligibility and the exact charges — before you commit to anything.
08 — Rules & Policies
Our commitments, in writing
The code we hold ourselves to on sourcing, verification, pricing and data — plus the terms that govern every product we offer.
Sourcing & Customer Verification. These rules apply to every employee and representative of the company, on every visit and every call.
Employees of the Company shall always remain professional during conversations and visits, use respectful language, and maintain modesty. They shall always identify themselves — and the Company — at the beginning of every conversation with customers.
Customers shall not be discriminated against on grounds of religion, caste, marital status, or sexual orientation.
Direct contact with the customer shall be established, so as to avoid corrupt intermediaries or ring leaders.
The Company shall obtain valid KYC documents — as per the requirements of the Principal and the RBI — before processing any loan request.
The Company shall take reasonable steps to ensure that credit is extended only where borrowers have demonstrated adequate ability to repay, and that such loans will not put the borrower at significant risk of over-indebtedness.
Similarly, adequate care shall be taken to ensure that non-credit financial products (such as insurance) extended to low-income customers are appropriate, and that all necessary details are disclosed.
A valid credit information report shall be checked in association with the Principal before the sanction of a loan, to confirm existing indebtedness and the no-default status of the customer.
Customers shall be educated to ensure that they fully understand the product, the process, and the terms of the contract before entering into it.
Pricing, terms and conditions of financial products — including interest charges, insurance premium and all fees — shall be transparent and adequately disclosed in a manner and language understandable to the customer.
The Sanction Letter and Loan Agreement shall contain the key information of the customer and the relevant details of the loan.
Customers shall not be forced to buy any third-party product as a pre-condition to accessing micro-credit.
Aagraha Investments and Financing Private Limited is an active private company incorporated on 28 November 2024 and registered in Erode, Tamil Nadu. It primarily engages in financial service activities, including providing micro-loans and investment schemes such as recurring and fixed investments. Based on the company's official business profile and standard regulatory practices for financial entities, the following terms apply.
Loans are primarily intended to promote the economy of street vendors and to support women in urban and rural areas to enhance their livelihoods or start new businesses.
Funds are typically disbursed directly to the borrower or the seller after all formalities are met, including the submission of the necessary contribution proofs.
- Applicable interest is levied across the entire tenure of the loan.
- Processing fees and applicable GST are generally deducted at source.
- Borrowers must adhere to the repayment schedule. Penal interest may be charged for defaults in repayment, in accordance with regulatory guidelines.
- The loan must be used strictly for the sanctioned purpose, and not for any illegal or speculative activity.
The Company operates under the supervision of the Ministry of Corporate Affairs (MCA) and is governed by the Companies Act, 2013.
These Terms shall be governed by and construed in accordance with the laws of India. Any disputes arising out of these Terms shall be subject to the exclusive jurisdiction of the courts located in Erode, Tamil Nadu.
Corporate Information
- CIN
- U64990TZ2024PTC033049
- Registered Address
- Door No.108/3, AS Complex, Near Golden Mahal, Solar, Erode – 638002, Tamil Nadu
- Official Email
- info@aagraha.in
- Contact Number
- 9790944233
- Board of Directors
- Varadharajan Naresh Kumar, Ramya Varadarajan, and Kumaran Sathyapriya
- Date of Incorporation
- 28 November 2024
For specific loan agreements or detailed investment policy documents, please
contact the company directly or visit our registered office in Erode.
Aagraha Investments and Financing Private Limited is governed by the Information Technology Act, 2000 and the Digital Personal Data Protection Act, 2023 of India. Based on our business activities as a provider of micro-loans, recurring deposits and investment schemes, the following privacy principles apply to our operations.
The Company collects personally identifiable information (PII) to facilitate financial services and comply with Know Your Customer (KYC) regulations.
- Information collected: name, father's name, age, residential address, email, phone number, and identity proof such as Aadhaar or PAN.
- Purpose of collection: to verify identities, perform credit assessments, manage deposit accounts, and facilitate loan disbursements.
- Financial details: the Company may collect bank account details (including passbook copies or cancelled cheques) to verify ownership for investment purposes.
Aagraha Investments operates under strict regulatory supervision from the Ministry of Corporate Affairs (MCA).
- Third-party sharing: information may be shared with regulatory agencies, credit bureaus, or financial partners solely for executing transactions or for legal compliance.
- Legal requirements: personal data may be disclosed to government, judicial bodies or law enforcement if required by law, or to prevent fraud.
- Consent: the Company does not sell or lease personal information to third parties for independent marketing without explicit consent.
- Storage: personal data is stored and processed within India.
- Retention period: data is retained only as long as necessary to provide services or as required by law, which can be up to five years after an account is deactivated.
- Security measures: the Company is obligated to use reasonable electronic and managerial procedures to prevent unauthorised access or loss.
For specific requests regarding data correction, deletion, or to view the full internal privacy statement, please contact our registered office:
- Registered office: Door No.108/3, AS Complex, Near Golden Mahal, Solar, Erode – 638002, Tamil Nadu.
- Official email: info@aagraha.in
As a financial services company, Aagraha follows standard Indian regulatory frameworks for cancellations (loan foreclosures) and returns (deposit withdrawals). While specific internal percentages may vary by product, our operations align with the following standards.
“Cancellation” in a credit context refers to the early closure or foreclosure of a loan.
- Foreclosure process: borrowers must submit a written request for a Foreclosure Letter. Aagraha typically processes these within 7 to 20 days of receiving the prescribed fee and documentation.
- Lock-in period: many microfinance and business loans have a mandatory lock-in period (often 6 to 24 months) during which foreclosure is not permitted.
- Foreclosure charges: for non-individual borrowers or specific business loans, charges typically range from 1% to 5% of the outstanding principal.
- Cooling-off period: for digital or micro-loans, a cooling-off or look-up period is provided, allowing the borrower to cancel the loan by paying only the principal and pro-rata interest, without additional penalty.
“Returns” refers to the withdrawal of funds from investment schemes such as Fixed Investments (FI) or Daily Savings (DS).
- Premature withdrawal: members may withdraw deposits before maturity, typically subject to a 1% penalty on the applicable interest rate for the duration held.
- Refunds on excess payments: duplicate or excess payments made through a payment gateway are generally refunded electronically within 2 to 4 weeks after valid verification.
- Death of depositor: payments are made to the legal heir or nominee before maturity, without any penalty.
Key Terms at a Glance
| Service | Action | Typical Terms |
|---|---|---|
| Micro-Loans | Prepayment | No penalty for early repayment in many SHG / JLG models. |
| Business Loans | Foreclosure | Standard charges of 2% to 4% plus GST on outstanding principal. |
| Recurring Deposits | Withdrawal | Penalty of 1% on interest; no penalty if held for long tenures (e.g. > 12 months). |
| Payment Errors | Refund | Must notify within 3 days; refund processed within 30 days. |
← Swipe to see all columns →
For a formal statement or to initiate a request, contact our Erode office at
0424 - 2244233 or email info@aagraha.in.
09 — Contact Us
Get in touch with us
Walk in, call, or drop us a line. We are on Solar Road, right near Golden Mahal.
Registered Office
Door No.108/3, AS Complex,
Near Golden Mahal, Solar,
Erode – 638002, Tamil Nadu.
Business Hours
Monday – Saturday
9:30 AM – 6:30 PM
Sunday: Closed