Housing Loan
Your property, your power — finance for buying, building or improving your home.
- Home purchase loan
- Plot & construction loan
- Home improvement
Government-recognised micro finance company
Small instalments.
Big support.
A better tomorrow.
Vidhai Uzhavan Micro Finance Solutions Pvt Ltd helps families and small entrepreneurs across Tamil Nadu with housing, gold, property, business, vehicle and consumer loans — plus life and medical protection for what matters most.
உங்கள் கனவுகள்... எங்கள் பொறுப்பு... உங்கள் முன்னேற்றம் எங்கள் இலக்கு!
Low interest
Minimum documents
Flexible repayment
Quick approval
Quick approvalMinimal paperwork
At a glance
Loan products8 categories
Insurance supportLife & Medical
DocumentationMinimum
RepaymentFlexible tenure
Head officeTiruvarur, TN
Explore all products
Trusted & transparentServing since 2026
0Loan categories
0Insurance categories
0Transparent pricing
2026Serving members since
Our loan & insurance solutions
One place for every financial need
All loans are issued as per prevailing Government norms, with clear terms explained to you before you sign.
Mortgage / Property Loan
Unlock the value locked in your immovable property without selling it.
- Loan against property
- Immovable property loan
- Residential & commercial
Gold Loan
Unlock the value of your gold ornaments with safe custody and fast release.
- High value per gram
- Insured, sealed storage
- Part-payment allowed
Personal Loan
Quick help when you need it — for education, marriage, medical or family needs.
- Easy process
- Flexible tenure
- No end-use restriction
Business / MSME Loan
Fuel your business, shape your future — working capital and expansion finance.
- Small & medium enterprises
- Working capital support
- Higher funding limits
Vehicle Loan
Drive your dream today — new and used cars plus commercial vehicles.
- New / used car loan
- Commercial vehicle loan
- Quick approval
Group / SHG Loan
குழு கடன் — joint-liability and self-help group finance that builds thrift habits together.
- Self-help group loan
- Joint liability group
- Doorstep collection
Consumer Loan
நுகர்வோர் கடன் — finance household appliances, electronics and daily-life essentials.
- Home appliances
- Electronics & furniture
- Short, easy tenures
Life & Medical Insurance
Secure today, secure tomorrow — protection for your family and your health.
- Life cover & financial security
- Wide medical coverage
- Cashless treatment network
Why choose us
Finance that treats you like a member, not a number
We were founded to promote thrift habits and financial discipline in the communities we serve. That means honest pricing, plain-language terms and a team you can actually reach.
சிறிய தவணை... பெரிய உதவி... சிறந்த எதிர்காலம்!
Quick approval
Straightforward appraisal so a genuine application does not wait for weeks.
Low interest rate
Competitive rates set as per Government norms, disclosed to you up front.
Minimum documentation
A short, clearly listed document set — no unnecessary running around.
Flexible repayment
Weekly, fortnightly or monthly instalments matched to how your income arrives.
Trusted & transparent service
Every charge is written down. No hidden fees, no surprise deductions.
How it works
Four simple steps to your loan
1
Enquire
Apply online, call us or walk into the branch. Tell us what you need and why.
2
Submit documents
Share the short KYC and income document set. We tell you exactly what applies to you.
3
Verification & sanction
Our team appraises the file, confirms eligibility and issues a written sanction.
4
Disbursal
Funds are credited to your account and your repayment schedule is handed to you.
Plan before you borrow
EMI calculator
Move the sliders to see what a loan would cost you every month.
₹5,00,000
₹10,000₹1 Cr
12.00% p.a.
6%26%
5 yr
6 months20 years
Monthly EMI
₹0
Principal₹0
Total interest₹0
Total payable₹0
Instalments0 months
Indicative only. Your actual rate, fees and eligibility are confirmed at sanction as per Government norms.
Apply with these figures
What we stand for
Empowering communities with accessible, transparent and inclusive financial solutions
Trust
We are built on relationships that last longer than a single loan. Our field officers know the families they serve, and we keep the promises we make at the counter.
Transparency
Interest, processing fees and every other charge are explained in writing before you sign. You will always know your outstanding balance and your next due date.
Mutual benefit
Promoting thrift habits and financial discipline is central to our vision. When our members prosper, so does the institution that stands behind them.
Common questions
Before you apply
Who can apply for a loan with Vidhai Uzhavan?
Any Indian resident aged 21 or above with a valid KYC document set and a demonstrable repayment capacity can apply. Specific eligibility differs by product — a gold loan needs the ornaments, a housing loan needs clear property title, and a group loan needs an active self-help or joint-liability group.
What documents do I need to keep ready?
At minimum: Aadhaar and PAN, a recent photograph, address proof and proof of income or business. Property and vehicle loans additionally need the relevant title or registration documents. Our team confirms the exact list for your case before you travel to the branch.
How long does approval take?
Gold loans are typically the fastest because valuation happens at the counter. Personal, consumer and group loans move quickly once documents are complete. Housing, property and vehicle loans take longer because title and asset verification are involved.
Do you charge anything before sanction?
No. We never ask for advance cash payments, OTPs or passwords over phone, e-mail or WhatsApp. Any applicable processing fee is disclosed in your sanction letter and collected only through official channels. Please report any other demand to us immediately.
Let us help you grow & protect what matters most
Tell us what you need. A member of our team will call you back, explain your options in plain language and help you choose the right product.