VSSU's micro finance services & mechanisms consist of the provision of individual and group lending. 70-75% of loans from VSSU are guaranteed by the depositors. Daily door-step services to the clients earned a good reputation and faith on its microfinance activities. At present, VSSU is operational in 61 Gram Panchayats (local administration bodies) in 9 blocks among 29 blocks. However, VSSU's main strategy is to target market centers and village women forming self-dependent group, with the result that its outreach is concentrated in 401 such centers scattered across its working area. It has organized women forming groups in as many as 380 villages and individual members in 42 market places.

Our Individual lending Mechanism consists of the following method:

No collateral is required

Security deposit is collected weekly

30% of the loan is required as a security deposit for taking loan

One can get loan after one/two months from the date of loan application form submission

Individual loan is in between Rs. 1000 to Rs. 20,000

Rate of interest is 24% reducing, which is to be paid within 46 months

Utilization of loan should be in accordance with the loan application

Loan will be provided only to bring the poor in the income generating process

Our Group Lending mechanism consists of the following methods:

One group comprises 5 to 30 members and 3-6 groups form a centre

No collateral is required for group lending

20% of the loan is required to be deposited as security money and one will be able to take loan after 4    weeks of membership fulfilling the loan assessment procedures

First loan will be provided between Rs. 1000 to Rs.5000

15% flat rate of interest on loan amount is to be paid within 46 weeks

Utilization of loan should be in accordance with the loan application