Our products offer both savings and loan services, with different products for different groups of clients. Saving plans and loan sizes recognize the different degrees of poverty and different needs of the urban and rural poor in South 24 Parganas. We also offer an insurance service.

With respect to micro-credit there are two different lending mechanisms:

1.Micro-loans (group-based, for women only):
Group-based small loans are particularly designed for the lower-end poor to assist them to undertake income-generating activities

2. Micro-enterprise loans (individual loans for both men and women):
Micro-enterprise loans are available for small entrepreneurs to expand their businesses and capital base. These small entrepreneurs neither fall into the micro-finance target group nor do they have the access to loans through formal financial institutions.

Our micro-credit program aims to generate income and create new employment in the rural and semi urban areas.

Following are the seven-in-one facilities for the women groups:

Accidental Death Benefit

Covers a maximum of 5 members of the whole family, including parents

Can be availed by any one of the registered 5 members within the age group of 5 - 60 years

Time limit: Within the period of maturity.

Maximum amount is Rs. 5000, which includes 100% of the client's deposit amount with interest and the rest    will be borne by VSSU.

Accidental Medical Help

Covers a maximum of 5 members of the whole family, including parents.

Can be availed by any one of the registered 5 members within the age group of 5 - 60 years

Time limit: 1 year from the date of registration

The patient has to undergo treatment in any of the Govt. or private hospital for 72 hours

Maximum Rs. 1000 will be borne by VSSU.

Group Travel facility

50% of one way conveyance cost for 200 km. A maximum of Rs. 2000 will be borne by VSSU for one group.

Training Facility

50% (maximum amount Rs. 2000) for any capacity building training will be borne by VSSU for one group member.

Child Education (crèche) facility for group members

50% of the payable amount for the teacher's salary will be borne by VSSU.

Interest Free Sanitation loan

Maximum loan amount is Rs. 3000, payable in two installments.

Best Group Award

Best group for the year will be selected according to VSSU Group Assessment norms and the best group will be awarded in order to recognize their good performance.