Housing is one of the basic needs of an individual and not all of them do have shelter for their survival. Adhikar addresses the housing finance need of the poor and underprivileged customers in rural and tribal areas of Odisha. We provide low cost housing loan/house improvement loan with an easy repayment provision to help our existing customer see their dream come true.  Collateral free loan up to Rs. 40000 is offered primarily for repair or renovation of existing house, converting the house into a pucca house and construction of new house with individual contribution.

Loan type Cycle Tenure Amount Rate of interest LPF Insurance charges
House Improvement Loan 2nd cycle onwards 24 months 30000-40000 23.00% Reducing 1.0%+GST (18%) 1.85% for 24 month