What we do
Our Offerings.Credit shaped to the life it serves.
Our loan products are crafted to address the financial needs of individuals at the base of the economic pyramid, providing essential working capital. By offering these loans, we help our clients in rural areas gain financial empowerment and enhance their social well-being.
Each pillar answers a different moment in a borrower's life — from a first group loan to a property-backed line for a growing enterprise.
Portfolio & Performance
Key Metrics by Product Offering
JLG Network & Reach
Active Borrowers
77,395
Empowered rural women
Branches
130
Fully staffed branch network
Districts Served
72
Across rural heartland
States Covered
7
Central, East & North India
State-Wise Branch & District Distribution
Branch network breakdown across operating regions
Uttar Pradesh
Bihar
West Bengal
Assam
Madhya Pradesh
Jharkhand
Uttarakhand
Positioning Technology as a Growth Enabler
Our In-House Technology Ecosystem
DJT Microfinance leverages a state-of-the-art digital infrastructure designed to combine grassroots accessibility with institutional risk controls, delivering 100% digital processing and instant credit turnaround.
Digital Loan Origination & Management
End-to-end LOS and LMS driving automated underwriting, workflow routing, and lifecycle tracking.
Digital KYC & Verification
Instant Aadhaar/OVD validation, geo-tagging, and biometrics ensuring authentic customer onboarding.
Credit Risk Assessment Engine
Real-time bureau pulls, algorithmic FOIR validation, and household cash-flow modeling per RBI guidelines.
AI-Powered Fraud Detection
Multi-parameter anomaly detection, duplicate applicant screening, and borrower risk tagging.
CKYC Registry Platform
Seamless centralized KYC identification and regulatory reporting across all retail touchpoints.
Digital Vault & Document Management
Secure cloud-based electronic repository preserving loan agreements, property records, and KYC proofs.
Collections & Recovery Management
Mobile-first field collection application with digital receipts, automated reconciliation, and SMS alerts.
Business Intelligence & Analytics
Comprehensive executive dashboards tracking branch-level productivity, PAR trends, and liquidity.
Strategic Value & Impact
Our Technology Impact
Digital Transformation
- 100% Digital Loan Processing and Document Management
- Real-Time Bureau Verification and KYC Validation
- AI-Driven Fraud Screening & Customer De-duplication
Operational Efficiency
- Reduced manual processing effort by over 70%
- Faster customer onboarding and approval turnaround time (TAT)
- Scalable platform architecture capable of supporting nationwide scale
Compliance & Security
- Integrated KYC, CKYC framework, and secured cloud document vault
- Comprehensive audit trails and immutable activity logging
- Role-based access controls (RBAC) and maker-checker approval workflows