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JLG Onboarding

Joint Liability Group Onboarding

Every group’s file checked member by member, so loans disburse the day after GRT, not a week later.

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5specialist agents
5kinds of input
Soonfilm in production
The problem

Why it matters

Field officers carry paper KYC, household forms and CGT attendance for every group; missing papers and failed bureau checks surface only at the branch, delaying disbursal by days.

What it does

How the solution handles it

Agents read every member’s KYC and household form, test the ₹3 lakh income ceiling and bureau results, confirm CGT attendance and the GRT record, then assemble one group file. The branch manager holds the GRT and approves the group.

How it works

How a group moves

Five agents read KYC, check income and bureau limits, verify CGT and GRT, and build the group file; a branch manager approves each group.

What comes in
Group in4 records · KYC, household forms, CGT, bureau
Agents at work
KYC readerevery member
Then
Eligibility checkerincome ≤ ₹3 lakh
Bureau checkerlenders, overdues
Then
CGT and GRT verifierattendance, test
Then
Group file builderready for sanction
A person decides
Branch managerholds GRT, approves
What comes out
Sanctioned group
Disbursal pack
Audit trail
In and out

What it reads, and what it hands back.

What goes in

  • Member KYC (Aadhaar, voter ID)
  • Household income forms
  • CGT attendance and GRT record
  • Bureau reports (CRIF, Equifax)
  • Group photo and guarantee forms

What comes out

  • Group file ready for sanction
  • Member-level eligibility flags
  • GRT checklist
  • Disbursal pack

Who uses it

FCField credit officerBMBranch managerCOCredit operationsAMArea manager
What it changes

The difference, in numbers.

Every figure is labelled: a target the solution is built to, an estimate, a typical published result, or a proven one.

target
1day
from GRT to a disbursal-ready group file
By hand5–7 days
With agents≈ 1 day
target
100%
of members checked for KYC, income and bureau before GRT
All members checked
group of 4–10
estimated
2×
the groups each field officer can bring to disbursal
TodayWith agents

Sources: RBI Microfinance Directions, 2022 (household income ≤ ₹3 lakh) · RBI/NABARD JLG norms (4–10 members) · “Target” = design goal, measured in the live solution · “Estimated” = our estimate · agents = the live solution’s configuration

Built on the engine

5 specialist agents. One person decides.

KYC readerAadhaar, voter ID, photos
Eligibility checkerhousehold and age rules
Bureau checkereach member’s bureau file
CGT and GRT verifiertraining done, group ready
Group file builderone file per group
Branch managerholds GRT, approves
Microfinance

More in this division.

All 6 solutions →
Household Income

Every household’s income assessed and its repayments tested against the 50% cap before a loan is made.

Over-Indebtedness

Every household’s loans counted across all lenders before one more is added.

Field Officer Assistant

Every field question answered in seconds, in the officer’s language, citing the policy page.

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