Joyita India Micro Services Foundation

Jayita India Micro Service Foundation

It is an MCA-registered not-for-profit organization dedicated to advancing financial inclusion, livelihood development, and women's empowerment through sustainable microfinance and community programs across India.

Jayita India Micro Service Foundation

About Us

MCA-registered non-profit driving financial inclusion and women's empowerment across India.

Change From Better To Best

Company Overview

Jayita India Micro Service Foundation (CIN: U86909WB2023NPL261467) is a registered not-for-profit organisation under the Companies Act, 2013. Founded in 2023 and headquartered in West Bengal, India, the Foundation is dedicated to promoting financial inclusion, livelihood enhancement, and community development across underserved and marginalised sections of society.

Operating with a service-oriented approach and guided by strong ethical values, Jayita India Micro Service Foundation aims to deliver sustainable socio-economic empowerment through accessible microfinance services, capacity-building programs, and holistic community engagement initiatives.

Our Focus

We design and implement development programs that enable individuals and small enterprises to improve their economic well-being, expand livelihood opportunities, and build long-term resilience. Our interventions are tailored to local needs, with an emphasis on microcredit support, entrepreneurship development, financial literacy, and women's empowerment.

The company's Vision, Mission & Values

Our Vision is a forward-looking, aspirational statement that defines the long-term desired future state of our company.

Our Vision

Our vision is to help every Indian resolve their economic problems and to take our country forward through a better lifestyle.

Our Mission

Our mission is to make the underprivileged communities self-sufficient through the improvement of their economic status to obtain social respect. We provide better economic services to every family to save them from the oppression of moneylenders.

Our Values

The values of Jayita India are encompassed in the word "CREATE".

C - Commitment

R - Responsibility

E - Ethics

A - Accountability

T - Transparency

E - Empathy

Our Services

Our organisation is committed to providing reliable and customer-focused microfinance services to support sustainable growth.

Savings Account

This Savings Account helps low-income individuals save small amounts weekly. It supports savings habits, self-employment, and economic empowerment for the poor.

RD / DRD

A Recurring Deposit is a savings scheme where you deposit a fixed amount every month for a set period, and A Daily Recurring Deposit is similar, but you deposit a small amount daily.

Fixed Deposit

An FD is a savings scheme where you deposit a lump sum amount with a bank for a fixed period (1 year to 5 years) at a fixed interest rate.

Monthly Income Scheme

A MIS is a savings and investment plan that gives you a regular monthly income from your deposited amount, and The Principal is returned at the end of the term.

JLG Loan

There are two types of JLG loan schemes named Briddhi and Shree Briddhi. Briddhi, ranging from ₹5,000 to ₹24,000 with a 50-week tenure, and Shree Briddhi, ranging from ₹25,000 to ₹1,00,000 with a 75-week tenure.

DRD Weekly Loan

The DRD Weekly Loan is an individual customer loan ranging from ₹5,000 to ₹1,00,000 with a 50-week tenure, designed to support personal business financial needs.

Daily Collection Loan

The Daily Collection Loan is a very short-term, individual customer loan ranging from ₹5,000 to ₹25,000 with a 100-day tenure, designed to support short-term financial and business needs.

Bikash Loan

The Bikash Loan, ranging from ₹5,000 to ₹1,00,000 with a 30-week tenure, is available for both individual customers and Joint Liability Groups (JLGs) to support various financial and business needs.

Customer Awareness

We assist all our customers in gaining easy and accurate access to financial bank-related information.

Enhancing Financial Literacy through Customer Awareness Training at Jayita Microfinance

Jayita Microfinance has launched a Customer Awareness Training (CAT) program to promote financial literacy among its clients, many of whom come from underserved and economically challenged backgrounds. The program equips them with essential knowledge and skills to make informed financial decisions, improving personal financial health and economic stability.

The Impact:

The CAT program has empowered clients—especially women—to take control of their finances, make better decisions, increase savings, and contribute to their communities economic well-being.

The Importance of Customer Awareness Training.

Understanding Microfinance Products: Educating clients on loan types, terms, and repayment schedules.
Budgeting & Saving: Teaching practical skills for managing income, setting goals, and saving regularly.
Debt Management: Promoting responsible borrowing and timely repayments to avoid over-indebtedness.
Entrepreneurship & Investment: Guiding aspiring entrepreneurs on business planning and evaluating investment opportunities.