As a weaver, I have been into making sarees for over three decades now. The lockdown and the resulting situation is something that I have never experienced before. The demand has come to a standstill, especially with no marriage functions being held, which used to be a major source of revenue. The supply of raw materials also has been a challenge which has not helped things.

Have been a customer of KGFS for over two years now, and have relied on them for my financial needs. During the lockdown, I was informed by the KGFS staff that I can visit the nearest KGFS branch to withdra Read More

I have been a customer of KGFS for over four years now and have relied on them for my financial needs over the years. With the first loan that I took from them, I started my journey into the dairy business, which I continue to run.The income from dairy, along with what I earn from the little Agri land parcel that we own, I manage our household expenses and take care of my kids' education. I have two daughters, and they are the centre of my universe, and I know that their future is my top priority. I have been married for over eight years now, and my husband is a lorry driver. As with the na Read More

“We have been into agriculture for generations. My father and grandfather were both farmers, and I walked in their footsteps to be one too. We own three acres of land and sow vegetables evenly. There are challenges as with any profession; however, our experience and understanding of the crops has helped us navigate through different periods. As much as we plan and know the business, we can’t do much when a natural calamity strikes, so it becomes very difficult during that period and one has to survive with what one can.

Compared to earlier, automation has helped increase Read More

Kasthuri lives in Risiyur village in the Thiriuvar District of Tamil Nadu. Her husband works overseas as a salesperson so he can earn more and provide for the family.Kasthuri looks after her 2-year-old daughter and runs her own tailoring unit. The pandemic caused severe financial difficulties as her husband was unable to send money back for the family and her tailoring unit did not receive any business during that time due to the lockdown restrictions. Kasthuri said This was an eye-opening experience for my family, and we realized the importance of saving. Such difficult times are part of l Read More

It was a Wealth Manager from KGFS that came as a ray of hope during a very difficult time that I found myself in about five years ago. I don't recollect her name, but had it been not for her, I am not sure what I would have done. I had taken a loan to purchase cattle to earn an income, however, had availed the money from an informal source at a very high rate of interest. The Wealth Manager took the time and effort to understand my financial situation and life goals and had me enrolled with KGFS. She helped me avail a loan from KGFS, using which I had cleared the high-interest loan that I h Read More

Kempalamma works as an agricultural labourer in the village of Jakkahalli. Her husband is a mason and together they have two daughters and a son.

The Covid-19 pandemic has not been kind to Kempalamma and her family. Her husband lost his job and due to constant financial constraints, the family have been unable to complete the construction of their home for the last four years. In the past, the family have taken a small loan from a local finance provider to help complete the construction. However, Kempalamma understands that only by creating the habit of saving will her family b Read More

They say inspiration can come from anywhere, and I found mine in my son's school. I always liked doing make-up; at a fancy dress competition that my son participated in, I got a chance to showcase my skills. The response was overwhelming, and he eventually won the first prize. The teachers at school encouraged me not to confine myself within the corridors of my home and use this interest and skills that I had to set-up my own fancy store. I eventually did, and it's been running for a couple of decades now. I got married just after finishing my 9th grade and have been married for over 35 yea Read More

I’ve borrowed from microfinance companies earlier, but the experience of availing credit through SWARNAJYOTHIE-Registry and Dvara KGFS was a truly unique experience for me. The loan amount was adequate, and the interest rate was affordable for me. Also, the loan was disbursed on time. We are happy with the product as the repayment is at the end of the crop season after we harvest our crop. This repayment schedule helped reduce the financial burden for us substantially.

At the beginning of the season, I had planned not to take up cultivation in the Rabi season. But at the prospe Read More