Mon-Fri : 10.00 - 5.30
Sat : 10.00 - 3.30
A Traders Loan is a business-friendly loan made for shop owners, wholesalers, and small traders. It helps you manage cash flow, buy stock, or grow your trade — all without any collateral. Approval is based on your business turnover, making it fast and flexible.
| Eligibility Criteria | Required Documents |
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Age: 21 years and above
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Aadhar or other valid ID proof
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Monthly income: ₹15,000 or more
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Bank statement (last 3–6 months)
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Salaried or self-employed with stable income
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Salary slip or business proof
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Good repayment history
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Passport size photo
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Jeevan Jyoti is built on the belief that financial support should be accessible, simple, and honest. As a multistate credit co-operative society, our aim is to encourage savings and extend reliable credit to people from all walks of life — especially small traders, self-employed individuals, and working families.
We operate with a strong sense of responsibility, offering transparent services across states to help our members grow, invest, and meet life’s goals without unnecessary financial stress. Whether it's a personal loan, a daily investment plan, or business funding, we strive to make banking feel personal, not complicated.
Anyone running a trading business—like a shop, wholesale unit, or small-scale distribution—can apply. You must have a valid business and basic turnover proof.
No. Traders Loan is typically collateral-free. Your business performance and bank statements play a major role in approval.
You’ll need basic KYC documents, business proof (like GST or trade license), recent bank statements, and address proof.
The amount depends on your business turnover and repayment capacity. Higher the turnover, higher the eligible loan amount.
You can choose a flexible repayment plan — usually up to 36 months — depending on the loan amount and your cash flow.
Once your documents are verified, the loan can be approved and disbursed within 2 to 5 working days.
Yes, a healthy credit score improves your chances of getting approved. But don’t worry—even if you’re new to credit, we evaluate your profile holistically.
Yes, early repayment is allowed. Some plans may have a nominal foreclosure charge, but we always provide the flexibility if you’re ready to close the loan early.
Yes, early repayment is allowed. Some pre-closure conditions may apply, which will be explained at the time of agreement.
While we do consider repayment history, small traders with no formal credit score can also be eligible, based on business health.
