What We Do

At Kuldhara Investments we provide loans to women organized under Joint Liability Groups which help them build their lives and come out of the barbarous circle of poverty. In unification to these disproportionate segments of the society with financial and banking services while keeping in mind their needs and requirements for their overall upliftment towards themselves and the society at large towards empowering them for better and brighter future, their families and the society. Kuldhara Investments wishes that every woman dreams and achieve them with the right path and financial support provided to them. At Kuldhara Investments we strive to build a better and brighter future for the society.
FINANCIAL UPLIFTMENT
ENGINE OF GROWTH
ENABLING SKILL DEVELOPMENT AND ENTREPRENEUSHIP

Kuldhara promotes economic prosperity for a poor household by providing micro loans to women entrepreneurs

Through micro credit, Kuldhara enables its women stakeholders to strive for and reach to their entrepreneurial dreams

As an integral part of rural, small scale and unbanked sector, Kuldhara addresses diverse financial needs of the nation

How We Do It

Kuldhara follows a rigorous methodology while supporting women stand on their own feet

Formation

Formation of Joint liability group

Training

Two days of compulsory group training

KYC

One day of group recognition test

Counselling

Credit counselling

Disbursement

Loan Disbursement

Collection

Collection

Check

Loan utilization check

What Drive Us

Work for sustainable and inclusive economic growth to become the most preferred financial services provider among Banks, Borrowers and Stakeholders.
Promote financial inclusion & entrepreneurial culture among our employees customers and society at large to serve & support 1 million beneficiaries by 2033.

Company Profile

Business Philosophy

Spreading across all vectors within the domain of work focusing granularly with best-in class service to our customers. Embracing change and financial & technological innovation with upgradation for required growth.

Goals

  • To serve 1 million customers proficiently invest in capability building of team

  • To reduce time and cost involved in delivery and collection mechanism of financial services, leverage latest technologies in all processes and practices

  • To sateguard ecological balance and bring accuracy and efficiency adopt paperless, cashless eco-friendly means & options cost to offer consistent services at competitive educate and involve customers to practise preventive tools to minimize the financial risks and emergencies

  • To ensure financial sustainability of all stakeholders, regularly review products processes, protocols, policies and plans

  • To ensure global business standards, educate and ensure all stakeholders adhere requisite compliances and code of conduct

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Our Partners

Impact Story of

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Sonu Rajawat

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Vijay Lakshmi Pradhan

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Seema Badguzar

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Sanjana Yogi

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Suman Morya

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Suhani Meena

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Laadli Bano

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Manju Pradhan

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Heena

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Supyar Gurjar

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Anandi Swami

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Nandini Shekhawat

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Taramati Nat

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Manju Kanwar Shekhawat

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Manju Gavaria

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Seema Rani

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Kavita Panchal

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Mamta Gavaria

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Seeta Lashkaar

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Suman Gavaria

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Wahida Bano

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Suman Devi Morya

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Rajni Pingoliya Morya

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Grocery Shop

The foundation of her shop – Arth!
32 years old
Kalakaar Colony, Pani Pench, Jaipur

Sonu’s mother-in-law was a member of Arth’s SHG and ran a tea shop in the locality. It wasn’t difficult to convince her of microfinance’s benefits. With three loans in the past 4 years, she has not only populated her grocery store, but she has also bought another house along with her hard-working auto rickshaw driver husband. She intends to sell artificial jewelry also from her shop with the next loan from Arth.

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Garment Retail and Stitching

Poster Woman of Success
32 years old
Sector 4, J P Colony, Naya Kheda, Jaipur

The poster woman of success at Arth, Vijay Lakshmi has a post-graduation in commerce and a B Ed degree. Smart and intelligent, she is called as a representative at Arth office when agencies come for routine or surprise checks, Founders Day and Women’s Day. With a supportive mother-in-law and husband, she has availed of the benefits of microfinance for the past 5-6 years with Arth. Leader of her group - Saroj Naya Khada Group – she encourages other women nearby to use Arth’s services and benefits and asks them to stand on their own feet and do their bit for increasing their household income. She says, “We must keep ourselves engaged in some activity, if not, we will go mad doing nothing in the house.” She does fall, pecco on sarees for various big saree selling shops around, stiches blouses and kurtis, and earns about INR 5-8000 per month. She bought her first sewing machine with the first loan she availed from Arth, and today with her expectant fifth loan, she intends to start a boutique in her area – the first one in her locality.

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Gota artisan

The house dream
30 years old
Sarjoli village, Bassi, Jaipur

Seema’s husband had taught her how to embroider gota lace on dresses, sarees and dupattas. When he left for Jodhpur for better work opportunities, Seema felt very alone and depressed. He advised her to begin working. When she began to work and found financial assistance through Arth, they could immediately construct a new house for themselves. A consolidated amount from Arth gave an immediate push to their house dream and they can now pay in easy instalments!

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Goat rearing

35 years old
Lohamandi, Jaipur

After her marriage, Sanjana learnt how to rear goats. Her in-laws had some enough for their own sustenance. When she got her first loan from Arth 4 years ago, she purchased 5 goats and continues to do it every time. You see, goats are susceptible to diseases and death. She has 15 goats right now and earns INR 15000 per month selling their milk.

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Grocery and cosmetics shopkeeper

33 years old
Khawarani village, Bassi, Jaipur

Seema used to weave carpets and rugs, like other women of her community, in the village. Carpet weaving is an intense job, and she had to quit it, because she was the only woman in the house and had no help. Her parents-in-law had died when her husband was young. Her husband quit his job in Jaipur and put up a grocery shop in the village, to take care of the family. The loan from Arth helped her start a ladies items shop. Her shop is always full of customers. They now earn INR 20000 every month. The couple has ambitions to provide the best education to their three children.

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Garment Retail and Stitching

28 years old
Pratap Nagar, Shastri Nagar, Jaipur

Suhani says, “Women can stop eating food, but they can never stop wearing new and nice sarees. I didn’t have much of a problem during the Covid -19 induced lockdown. Women kept buying sarees from me, since my house and shop are the same. It didn’t pich me much, even though my husband had to change his money changer shop because no foreign tourist came.” With the first loan she bought sarees, a sewing machine with the second loan, in a span of three years. She earns about INR 7-8000 every month and has made her house a pucca one and built more rooms in there. She will get cosmetics in her shop with the next loan she get from Arth.

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Lac bangle maker

The house from Bangles
35 years old
Kacchi Basti, Vijay Nagar, Jaipur

Laadli has lived in the same locality before and after marriage and knew how to make lac bangles ever since. Her husband used to be a taxi driver, but has joined her in the same profession. The couple and their children make bangles every day and save about INR 1500 every day. They have now constructed another floor on their house and have all amenities in there, thanks to the 3 time loan from Arth since 5 years.

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Fancy items and Cosmetics shop

The shop that cares
32 years old
Sector 4, J P Colony, Naya Kheda, Jaipur

Manju Pradhan’s husband did not have a fixed income and there were plenty of stomachs to feed in the family. She bought cosmetics and fancy items with the first loan she availed from Arth, and began selling from her own home. 4 loans and 5 years later, she has her own big shop and earns about INR 10-12000 every month. When her husband or she are not around, other family members take care of the shop.

The Covid-19 induced lockdown was very difficult for her, but she is glad that Arth officers were very kind and helped her sail through difficult times. She intends to make her shop bigger with more loans from Arth.

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Hand crafted horses

Horsing her way through!
45 years old
Kalakaar Colony, Shastri Nagar, Jaipur

Heena has used most of her loan money from Arth to improve her standard of living. She bought a gas stove and paid her electricity bills with the loan money. She says, “I can’t find wood for lighting the chulha. I can’t spend the whole looking for wood. I might also fall ill because of the smoke. How will I take care of my children, if I am unwell? One of my sons has already gone astray in this locality. My husband has not been very supportive, too.”

She earns INR 200-500 per day making horses out of cloth and gota and pays her loan on time. Life is difficult for her, but she horses through every day!

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Buffalo rearing

The business of buffalo!
35 years old
Lohamandi, Jaipur

This is her first time with Arth and she bought a buffalo with the loan money!

Her family income has increased to INR 35000 through selling milk. She is very satisfied that she is busy throughout the day and is also making money. The couple has recently renovated their house too.

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Plastic Waste Collector

The Goldness of Waste
40 years old
Pratap Nagar, Shastri Nagar, Jaipur

Anandi and her husband, with ancestry in Tamil Nadu, buy plastic waste from big companies, sort it out and sell to relevant recyclers. They earn about INR 30-35000 every month. They have used Arth’s loans to buy plastic waste all three times over a period of 3 years. Their children are married and also engage in the same occupation. While they live in a plastic tarpaulin house themselves, they have built pucca houses for their children.

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Beautician and Garment retail

One shop, two shops
32 years old
Luniyawaas, Jaipur

Inspired by her mother-in-law who used to stitch Rajputi dresses and blouses, Nandini knew she can grow as big as she wants to dream. She knew to stitch and was also trained to be a beautician. The financial aid came from Arth.

She used loans from the first two cycles to buy material for the shop. In the third cycle, she began her own beauty parlor. Her personal income is INR 7-8000 per month. She lives her life for her children and wishes to save for their higher education.

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Maid Servant

Arth is the best!
23 years old
Kalakaar Colony, Shastri Nagar, Jaipur

The couple has been living a very perilous life ever since they knew life. To top it all, their house fell down due to desiltation from the nearby nullah. The wife works as a maidservant and the husband has a small cigarette shop on the main road. Their bad times were compounded due to calculation complications with some loans they had taken from other companies.

Based on their experiences with other companies, they emphatically declare, “You guys are the best. Everything is so sorted. Your interest rates are also better. It is so much easier to return your money.”

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Beautician and stitching

Self-made couple
42 years old
Luniyawaas, Jaipur

Manju’s husband works as a tailor in an export house. He taught Manju to stitch to perfection. She is a quick learner and learnt the basics of beautician too. Basic, but perfectionist skills have helped her build her own customer base.

She got her stitching machine with loans from Arth and now has 2 sewing machines and interlocking machine and now earns about INR 3-4000 every month. Both have built their own house from scratch and today have all amenities a typical house should have. She now intends to buy material for stitching clothes for women.

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Moonj Grass sorter

Loans that keep the family together
40 years old
Bassi, Jaipur

Manju says, “Arth’s loans are the best things that have happened to us. My husband doesn’t have to become a day laborer or go to a company to earn a meager INR 200 per day. We are bound by no rules and regulations. I can finish my household chores and then begin sorting moonj. We are at ease and love each other and our work. We don’t save a lot of money, but contentment - we thrive upon.”

One of the few remaining people to continue their traditional occupation of making articles of moonj grass, Manju and her sisters-in-law continue to live and work with moonj together. This is because they can buy raw materials at bulk rates with the help of Arth’s loans.

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Dahi Vada Stall

Dahi Vada – the recipe of success!
42 years old
Pratap Nagar, Shastri Nagar, Jaipur

She makes the curd and kanji water, and fries the vadas, her husband buys all the raw material, he sells Dahi Vada and Kanji Vada on his own stall. She stands rock solid with her husband as they sail through life, and raise their children. Her husband had a CD and DVD shop but had to close down as technology evolved. He then learned to make these items from a relative 8 years ago.

It has been 3 years with Arth, and they have used the loan every time to repair batteries used for running the machine that prepares the batter. How do they understand the difference between pre-Arth and post-Arth times? Her husband explains, “We can now buy ingredients for a month, while earlier we could only buy for a week. We make about INR 20000 a month. We now intend to put another stall for the same products and repair our house. Our ambitions have materialized and we will only grow bigger from here.”

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Fancy items store

When you spread your confidence to others!
31 years old
Bassi, Jaipur

It is a similar story of economic upliftment. Now she has made her own shop and will start the shop with the next loan amount from Arth. What’s remarkable about Kavita is that she has enrolled about 15 women through at least 3 more Self Help Groups and has provided work opportunities to most of them through her linkages. Now that is confidence and prosperity multiplied by 15!

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Women products seller

Loans that gave her children life!
55 years old
Bassi, Jaipur

Moonj grass was their lifeline, but some could not continue. Mamta was one of them. Her husband was unable to take care of the household. She had to find alternate means to feed and educate her children. Microfinance was her only savior. With the help of the first loan from Arth seven years ago, she put up a grocery shop in her own house.

She sent her children to school and ensured that they earned respectable government jobs and married well. Now that she doesn’t have the pressure of running the household, she still can’t sit idle at home. She runs her own cute little open women products shop on the main square in Bassi. You can see the satisfaction in her eyes and feel contentment in her voice.

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Lac Bangle seller

Women can sell easily to other women!
33 years old
Bassi, Jaipur

Seeta says making and selling lac bangles is a woman’s task. And she is sure that she also can do it very efficiently. Her husband buys raw materials for making bangles through loans from Arth. Her sister-in-law makes lac bangles and she sells them in their own shop in the main market. Arth’s loan has assisted them to showcase more bangles thereby increasing her customer base. Her income has increased to INR 18000 per month now.

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Lac Bangle seller

Bulk buying has helped us!
35 years
Bassi, Jaipur

She buys lac bangles in bulk to sell in her shop every time she takes a loan from Arth. The advantage of bulk buying with the loan has helped the family a lot. It has elevated their existing conditions of living, as her shop in the main market earns her INR 18000 every month.

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Semi-precious stones sorter

Husband wife team
33 years old
Sarjoli village, Bassi, Jaipur

A family with 4 children, the couple lived a meager life. With the loan from Arth, in the past 4 years, they bought a semi-precious stones sorter machine. They also have brought two generator-driven lights to use in marriage processions. Wahida is adept at both the activities and interchanges these roles with her husband as and when the time requires. They earn about INR 18000 per month and have rented a shop for the machine too. They will buy another marriage procession light with the next loan. Their hard work has paid off really well for them.

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Grocery Shopkeeper

The parent she called Arth!
30 years old
Khawarani village, Bassi, Jaipur

Suman did not want to weave carpets like other women in her community. She is way more ambitious! She started her own shop 7 years ago in her own home, as her husband suffered from health problems and could not go to the city for work. There was no other shop in the vicinity. She was obviously very successful there. With the first loan from Arth, she bought more goods and made her shop bigger. Over three more loans and a shop on the main road, she bought a new house with three more shops. She wants to put up another shop for ladies products and learn stitching. She wants to become famous as the best tailor in the neighbouring villages and will now learn stitching professionally. She has built a business for her husband, but she thinks she has to create a name for herself. And that she will!

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Carpet Weaver

The loom of success
35 years
Khawarani village, Bassi, Jaipur

Rajni’s husband had to go to the city as carpet weaving wasn’t lucrative enough. Agriculture wasn’t possible due to the lack of water. Her in-laws did have a weaving loom. Her children were still young and were demanding her attention. All of this wasn’t adding up to decent income. When the children had grown up, the first thing she did was to learn how to weave carpets from her husband and in-laws. The first loan from Arth was a timely boon. She set up her own loom. Five years later, the extended family has 3 more looms and all basic amenities in the house. Plus she can be attentive to the children all the time, as she can earn the same amount as wages earned with a company. She is happy that it has all added up well enough to live comfortably!

Our Presence

Kuldhara Investments has a presence of over 114 branches

Rajasthan
Himachal Pradesh
Uttarakhand
Madhya Pradesh
Punjab
Haryana
Gujrat

Important Links

Contact Us

E-55, 1st Floor, Girdhar Marg Sector 12, Malviya Nagar, Jaipur, Rajasthan 302017, Bharat

0141-2988234

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