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Arvind Kumar Goswami

Arvind Kumar Goswami, originally Varanasi operates his garment trading business from a rented shop in East Delhi. He had never taken a loan and recently opened his first bank account under Prime Minister’s Jan Dhan Yojana. Arvind always had a dream to own his house where he can have the pleasure of watching his children grow. He had made some savings over the years, but they were not enough to purchase a new house. He tried with various financial institutions to get a housing loan but because of the informal income associated with his business and no credit history, he was finding it difficult to get a loan until he met Ummeed’s team. Ummeed’s team not only helped him in smooth processing of his loan application but also helped him in finding the property within his budget.

Ummeed’s team understood my business and personal profile well and customized their loan offering to suit my needs. Thanks to Ummeed, I can now focus on expanding my business and providing a better life and future to my children

Baljinder Singh

Baljinder Singh lives in a joint family along with his brother in the peripheries of Chandigarh. The brothers own some agriculture land, where they grow Sugarcane & wheat. Baljinder is also employed as a maintenance supervisor in a private hospital. With a large family and growing children they always look out at opportunities to enhance their income. Recently they started a dairy business with 5-6 cows and wanted to grow the business by adding more cattle’s and renovate the farm shed. Ummeed team came in contact with them to assess their requirements and then visited their business premises to assess multiple sources of informal income and approved Loan against their home. Today Baljinder is proud owners of 3 Jersey cows, which has increased his dairy sales considerably.