IGL Product

SCNL offers its clients income generating loan (IGL) product based on their repayment ability. These loans are given under the Joint Liability Group (JLG) lending model or on an individual lending basis. The loans are used for a variety of economic activities and eventually help increase the income generating capacity of our borrowers. Animal husbandry, production, service and trade are major sub-sectors where income generating loans are deployed. Employment, social welfare and healthy working environment are the key by-products of the business of the company.

S. No. Loan Amount ONE YEAR - Effective from 24th January 2018
Bi-weekly (14 days) Processing fee Insurance fee
1-25 Instal. Last Total Intrest IRR
1 5000 220 90 590 22.50% 60 70
2 6000 260 220 720 22.50% 70 84
3 7000 305 211 836 22.53% 82 98
4 8000 350 200 950 22.50% 94 112
5 9000 390 330 1080 22.50% 106 126
6 10000 435 321 1196 22.52% 118 140
7 11000 480 310 1310 22.50% 130 154
8 12000 520 440 1440 22.50% 142 167
9 13000 565 432 1557 22.53% 154 181
10 14000 610 420 1670 22.50% 166 195
11 15000 650 550 1800 22.50% 178 209


S. No. Loan Amount ONE AND HALF YEAR - Effective from 24th January 2018
Bi-weekly (14 days) Processing fee Insurance fee
1-38  Instal. Last Total Intrest IRR
1 16000 490 261 2881 22.53% 188 339
2 17000 520 300 3060 22.50% 200 360
3 18000 550 350 3250 22.53% 212 381
4 19000 580 390 3430 22.51% 224 402
5 20000 610 440 3620 22.54% 236 424
6 21000 640 485 3805 22.54% 248 445
7 22000 670 530 3990 22.54% 260 466
8 23000 700 575 4175 22.55% 272 487
9 24000 730 615 4355 22.53% 284 508
10 25000 760 660 4540 22.53% 296 529


S. No. Loan Amount TWO YEAR - Effective from 24th January 2018
Bi-weekly (14 days) Processing fee Insurance fee
1-51  Instal. 52 Instal Total Intrest IRR
1 26000 625 490 6365 22.54% 306 724
2 27000 650 440 6590 22.53% 318 752
3 28000 675 400 6825 22.53% 330 780
4 29000 700 360 7060 22.54% 342 808
5 30000 720 640 7360 22.55% 354 835
6 31000 745 595 7590 22.54% 366 863
7 32000 770 550 7820 22.54% 378 891
8 33000 795 510 8055 22.54% 390 919
9 34000 820 460 8280 22.53% 402 947
10 35000 840 735 8575 22.52% 414 975
11 36000 865 700 8815 22.54% 424 1002
12 37000 890 650 9040 22.53% 436 1030
13 38000 915 610 9275 22.53% 448 1058
14 39000 940 570 9510 22.54% 460 1086
15 40000 960 850 9810 22.54% 472 1114
16 41000 985 800 10035 22.53% 484 1142
17 42000 1010 770 10280 22.55% 496 1169
18 43000 1030 1030 10560 22.52% 508 1197
19 44000 1060 660 10720 22.51% 520 1225
20 45000 1080 950 11030 22.53% 532 1253
21 46000 1105 910 11265 22.53% 542 1281
22 47000 1130 870 11500 22.54% 554 1309
23 48000 1150 1150 11800 22.54% 566 1336
24 49000 1180 790 11970 22.55% 578 1364
25 50000 1200 1050 12250 22.52% 590 1392