Disha Microfin

 

Product & Services > Non-Credit Products

Following our business credo of facilitating financial, social or human progress at the base of pyramid, DISHA offers value added services to its base of pyramid borrowers in the form of products that positively impact and benefit their social well-being. These value added products on offer from DISHA are carefully screened and selected to ensure that these add value to the customers and empower them in some way be it in improving their day to day lifestyle or through cost savings.

Currently two products are available for our customer base through our distribution network, viz. Environment friendly Solar Lamps from D.Light & Affordable Mobile Connectivity device from Microsoft.

The purchase of the products is voluntary for the customer.

D.light Solar Lamps:


DISHA offers its base of pyramid customers an affordable alternative to costly/unavailable common lighting options like electric lamps, kerosene lanterns etc , in the form of Solar Lamps in partnership with D.light an international solar energy company.

Currently 3 distinct solar lamp models namely S-20,S-300 and S-100 are distributed through our branch network with pricing as below.

D.light Model Cost
S-20 Rs 699
S-300 Rs 1895
S-100 Rs 1299

Process:-

  • D.Light delivers the product as per order from customers directly to DISHA branches.
  • Purchase can be done either through upfront payment or through easy EMIs through loan from FFSPL. Customers place order for purchase at the branches.
  • The products also come with a 2 Year guarantee period from the date of purchase and any defective piece would be replaced with a new D-Light without any additional charges from the borrower.
  • DISHA also supports its customers in raising replacement requests which is routed through the branch.
D.Light S-20 D.Light S-300 D.Light S-100

Mobile Connectivity Device:


DISHA distributes affordable mobile handsets for interested customers, based on an assessment that mobile phones are now a tool for knowledge sharing and empowerment & access to it can further social and economic progress at the base of pyramid. Mobile devices also help in increasing connectivity among borrower groups by bridging and strengthening social networks.

The specific product distributed by DISHA is NOKIA 215 handsets manufactured by Microsoft and distributed in partnership with HCL Infosystems. The pricing is kept very competitive and affordable at Rs. 2250 for DISHA customers.

Process:

  • Trained Centre Managers give demonstration to interested customers by using dummy pieces available with them. Product characteristics & pricing and the process for purchase are explained clearly to the interested customer.
  • Purchase can be done either through upfront payment or through easy EMIs through loan from DISHA. Customers place order for purchase at the branches.
  • Mobile phones in sealed boxes are received at the RO on placement of purchase order with the original invoice in customer name. Scanned invoices are kept at the RO for further reference.
  • DISHA collects amount for purchase from the customer only at the time of delivery of the product.