Suvidha Shakti Loan

Get IDFC First Bank’s Suvidha Shakti Loan for basic social infrastructure and housing needs.

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Borrow with zero collateral
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Wide coverage of loan purpose (Renovation/ Repair/ Extension of house, water and sanitation facility)
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Simple documentation, quick process
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Doorstep installment collection

Type of Loans under Suvidha Shakti program

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Water Connection Loan

Under this, micro loans can be availed for:

  • Building household water connections.
  • Protecting wells and boreholes/bore-well.
  • Investing in hand pumps, rain water harvesting systems, and water storage tanks/water purifier system.
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Sanitation Loan

Loans for building and maintaining –

  • Toilet or latrine construction.
  • Septic tank installation.
  • Sewerage network connection/underground drainage.
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Renovation/Repair/Extension

  • Kaccha-to-pucca conversion such as the construction of a wall, roof etc.
  • Extension of house such as construction of room/kitchen/walls etc.
  • Renovation/repair of house such as flooring, roofing, plastering, brick works, wood works within windows, doors, grilling, etc.
  • Construction of productive housing where a separate unit is attached to the house for commercial activities such as:
    • Tiny/ cottage industry or service
    • Artisan activities
    • Shop
    • Agricultural and allied activities
    • Any other productive activity
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Additional Features

  • Loan tenure – 1 - 3 years
  • Faster loan processing
  • Loan applicable only for existing Sakhi Shakti Customers

Loan Amount

  • Water credit: ₹10,000 - ₹50,000
  • Sanitation: ₹15,000 - ₹50,000
  • Water and sanitation(combined): ₹25,000 - ₹1,00,000
  • Renovation, repair, extension, productive housing: ₹25,000 - ₹1,00,000
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Get In Touch


You may email us at sampark@idfcfirstbank.com or call us at 1860-500-9900 to avail Suvidha Shakti Loan
To track your loan application please click here


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Frequently Asked Questions

Who can apply for this loan?

All existing Sakhi Shakti (JLG) members are eligible to avail this loan.

Can I avail this loan to repair defunct toilet in my home?

Yes, you can avail Micro Housing Loan for repairing the toilet of your home.

My Sakhi Shakti Loan just ended last month? Can I avail the Suvidha Shakti Loan?

No, you need to be an active JLG Client to avail this loan.

What all documents need to be given to avail this loan?

We will need the documents from you:

  • Identity proof of applicant and co-applicant is needed.
  • Property ownership proof such as electricity bills/ registered sale deed/latest property tax receipts/linked documents like city survey utara, 7/12 extract, panchayat certificate, Patta or any other document to established the ownership from any local authority as per market practice.

Do we need to mortgage any property to avail this loan?

No, this is a mortgage-free loan. You need not keep anything as security to avail this loan.

Is End Use Check mandatory for this loan?

Yes, End Use Check of the constructed asset (water connection/ toilet/ renovation/ extension) is mandatory. It is mandatory to use the loan money for the purpose for which it was availed.

What all purpose are covered under Micro Housing Loan?

Water connection Loan:

  • Household water connections
  • Protected wells and boreholes/bore-well.
  • Hand pumps, rain water harvesting systems, and water storage tanks/Water Purifier System.

Sanitation:

  • Toilet or latrine construction.
  • Septic tank installation.
  • Sewerage network connection/underground drainage.

Renovation/Repair/Extension:

  • Kaccha-to-Pucca Conversion such as the construction of a wall, roof etc.
  • Extension of house such as construction of room/kitchen/walls etc
  • Construction of productive housing where a separate unit is attached to the house for commercial activities such as:
    • Tiny/ cottage industry or service
    • Artisan activities
    • Shop
    • Agricultural and allied activities
    • Any other Productive activity
  • Renovation/repair of house such as flooring, roofing, plastering, brick works, wood works within windows, doors, grilling, etc.

I stay in a rented flat. I need basic water connection in this home? Can I avail Suvidha Shakti Loan?

No, you need to have a property of your own for availing MHL.

What is the maximum loan amount and loan tenor that will be given under MHL?

Loan Purpose Loan Amount(In Lakh) Loan Tenor(In Year)
Min Max Min Max
Water inclusive of storage structure/ motor pump along with borehole 0.10 0.50 1 3
Sanitation 0.15 0.50 1 3
Water & Sanitation (combined) 0.25 1 1 3
Renovation/Repair 0.25 1 1 3
Extension/ Productive housing.

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Contact us

REGISTERED office:

IDFC FIRST Bank Ltd

KRM Tower, 7th Floor, No. 1,
Harrington Road, Chetpet,
Chennai - 600031, Tamil Nadu,
India

Corporate office:

IDFC FIRST Bank Ltd

Naman Chambers,
C-32, G-Block,
Bandra-Kurla Complex,
Bandra East, Mumbai - 400051,
India

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