info@thangamcapital.com +91 4146 249069
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Vision

“To achieve client outreach of million by expanding in south India by 2035” through empowering women and first...

“To achieve client outreach of million by expanding in south India by 2035” through empowering women and first generation entrepreneurs in the rural and semi urban geography through financial products and services

Mission

To enable access to financial services to the rural entrepreneurs through simple, fast and timely services.

To enable access to financial services to the rural entrepreneurs through simple, fast and timely services.

Objectives

To promote rural business model which shall be replicated across the operational area with “multiplier effect...”

  • To promote rural business model which shall be replicated across the operational area with “multiplier effect”

  • No bankable Women and First generation entrepreneurs left out in the operational Areat

  • Promoting federations and cluster for each business activity in the operational area to have better market access and greater bargaining power

  • Ensuring each enterprises create jobs and address poverty and Hunger

Core Values

Simple and reliable Loan process, Timely Financial services to the needy, Empower women and first generation entrepreneurs...

S- Simple and reliable Loan process.
T- Timely Financial services to the needy.
E- Empower women and first generation entrepreneurs of rural market.
P- People and Process centric approach .

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About us

Thangam Capital was established with the goal of empowering rural women and first-generation entrepreneurs with access to financial services to help them start and grow their enterprises. Our business model will address the bottom of the pyramid segment's working capital and seed capital needs, as well as need-based products for sustainable economic development. Rather than being a market leader in the segment, our focus will be on developing the finest business model. As a result, our strategy for growth is organic.

Services

Financial and non-financial services are provided by Thangam. It provides entrepreneurs in rural and semi-urban areas with timely financial assistance for their capital and seed capital needs as well as need-based products for their long-term economic development. Thangam firmly believes that offering non-financial services, such as skill training in a variety of businesses and generating awareness among the rural and semi-urban people on women empowerment,self-employment, health and hygiene,and quality education will raise the amount of loans and credits given. As a result, it sustainably enhances the impact on financial services

Financial

Thangam will operate under the principle of "Timely and adequate money at the needed hour" to bridge the ...

Non-Financial

Thangam services are not limited to financial services; as a responsible and financially inclusive lender, we promote...

Business Model

Thangam business model is one of the most innovative models in addressing the working capital and seed capital requirement of bottom of the pyramid segment along with other product offerings. The diversified product offerings address the short term and long terms needs of family and have greater impact on society as well.

There are three major innovation in our business:

• Product Inovation
• process inovation
• Inovation in product positioning and promotion


  • Thangam offers financial products and services to the needy people in the rural and semi urban part of the country, and product is designed to suit the local market needs and loan repayment capacity of the client. The product ticket size ranges from INR 50000 to INR 500000 with differential interest rate based on the ticket size, tenor and risk associated with the business activity and client profile.

  • The client selection process is carried out through the local community by involving the Self-Help Group to mitigate the risk by eliminating the high-risk clients and also to understand the prospective client’s informal debt, which is not available in the formal credit history of the client. In addition, the credit committee will have the representation from the federation leaders of Kalvi kendra to assess the credit worthiness of the client as their income is fluctuating and mostly undocumented one.

  • • The product will be promoted through the existing Kalvikendra clients and through mini village orientation program which will be conducted across the potential villages of the Thangam operational areas, brand image of Kalvikendra will be the advantage for Thangam to reach the clients without any promotional cost. At the same time the pamphlets and brochures will be circulated at the mini orientation and SHG meetings about the product features and eligibility criteria and documents required to avail the loan.
    • Our product positioned between the prospective clients of formal financial institutions and Microfinance clients. Moreover, the market potential is enormous and untapped.

Products

Sakthi Entrepreneurship Loan

Sakthi Entrepreneurship Loan

Sakthi Entrepreneurship Loan

Loan to motivate and help women entrepreneurs to successfully run the existing business and supporting interested women to start the small enterprises with our financial assistance. THANGAM will facilitate training and market access in addition to providing the necessary financial assistance. Additionally, in the future, top loans will also be given to entrepreneurs in order to cover their working capital requirements.

Tenor
18-36 months
Rate
21-23%*
Loan amount
INR 75,000 -2,00,000
Security
No collateral but collecting the UDC and PDC as a surety for the loan product.
Eligibility Criteria:
  • Applicants age: 21 to 55yrs
  • Gender: Female
  • Co Applicant Gender: Male
  • Business Locality: Within 15 Kms from her residence
  • Credit score: More than 550
  • Creditworthiness: No loan defaults in the past (Except Few cases)
  • Applicant Contribution: Minimum of 50% capital
Working Capital Loan

Working Capital Loan

Working Capital Loan

Loan to support the existing micro and small entrepreneurs in the rural and semi urban area irrespective for gender and preference will be given to the new generation entrepreneurs with sufficient experience to run the business. After a thorough cash flow analysis, the product was created with the goal of offering hassle-free loans to both registered and unregistered business class segments. Based on the client profile, which often determines the ticket size, loans are divided into two categories: secured and unsecured. The majority of funds are used for growing operations, restocking inventory, and updating or rebuilding existing corporate infrastructure. Will also provide a short-term working capital loan to help the business generate cash flow so that it can pay for monthly expenses like rent, electricity, or the salary of employees.

Tenor
6-24 months
Rate
21-26%*
Loan amount
INR 50,000 - 5,00,000
Security
No collateral but collecting the UDC and PDC as a surety for the loan product
Eligibility Criteria:
  • Applicants age : 21 to 55yrs
  • Work Status : Self employed
  • Business Vintage : More than one year
  • Business Experience : More than one year
  • Credit score : More than 550
  • Creditworthiness : No loan defaults in the past (Except Few cases)
Green Loan

Green Loan

Green Loan

Small farmers can apply for an agriculture loan to cover their farming expenses and for related activities. timely financial support to aid farmers in managing input costs, such as the cost of buying seeds, fertiliser, and other costs associated with preparing the land. Small and marginal farmers who own up to 5 acres of land will receive special attention. Even offer loans to cover farm operating costs like as weeding, fertiliser application, and still marketing the agricultural produce.

Tenor
12-24 months
Rate
19-23%*
Loan amount
INR 50,000 to 3,00,000
Unsecured Loan
Mostly collected either PDC or UDC as collateral for the loan product
Eligibility Criteria:
  • Applicants age : 18 to 55yrs
  • Residence Stability : More than 3 Years
  • Minimum Land : 1 Acre
  • Access to Land : Within 5Kms
  • Credit score : More than 550
  • Creditworthiness : No loan defaults in the past (Except Few cases)
Dairy loan pic

L - F Loan

L - F Loan

It is a Live Stock Farming Loan can be availed for purchase of livestock and allied activities. It can also be used to build the infrastructure needed for the breeding, management, and care of farm animals, as well as for the purchase of cattle, mostly dairy animals, and small coolers for the retail business units. Given that agriculture is the primary source of income for thousands of farmers nationwide, the need for livestock resources is only growing.

Tenor
18-36 months
Rate
19-23%*
Loan amount
INR 35,000 -1,50,000
Security
No collateral but collecting the UDC and PDC as a surety for the loan product.
Eligibility Criteria:
  • Applicants age : 18 to 55yrs
  • Residence Stability : More than 3 Years
  • Exclusive : Only for existing Livestock activities
  • Mandatory : Additional source of Income
  • Credit score : More than 550
  • Creditworthiness : No loan defaults in the past (Except Few cases)
Personal Loan

Personal Loan

Personal Loan

This loan is intended to assist employed rural fraternity members who work for private sector. With the use of this product, salaried people will be able to obtain loans with less notice using their salary certificate. to meet their essential necessities, such as for their schooling, medical bills, unforeseen events, etc.

Tenor
18-36 months
Rate
24%*
Loan amount
INR 50,000 -2,00,000
Security
No collateral but collecting the UDC and PDC as a surety for the loan product.
Eligibility Criteria:
  • Applicants age : 26 to 55yrs
  • Work Status : Employed
  • Working Experience : Minimum of 2 years
  • Salary : From 10k onwards
  • Mandatory : Bank Statement of Salary for 12 Months
  • Credit score : More than 650
  • Creditworthiness : No loan defaults in the past (Except Few cases)
Consumer Durable Loans

Consumer Durable Loans

Consumer Durable Loans

It is an add-on product especially designed for Thangam's current clients. When the current client repays his initial loan on time, he will be qualified for this loan. Customers who are unable to make lump sum payments for the purchase of consumer durable products can benefit financially from this loan for consumer durables. They can fulfil their needs with the aid of this product while incurring less burden.

Tenor
6 – 18 months
Rate
21-25%*
Loan amount
INR 75,000 -1,50,000
Security
No collateral but collecting the UDC and PDC as a surety for the loan product.
Eligibility Criteria:
  • Applicants age : 24 to 55yrs
  • Applicant Gender : Women
  • Co-Applicant Gender : Men
  • Mandatory : Existing Customer of Thangam
  • Credit score : More than 550
  • Creditworthiness : No loan defaults in the past (Except Few cases)

Board of Directors

Dr. S. Chinnappan

Dr. S. Chinnappan

Director

Dr. S. Chinnappan, 69, the Director, is a sociology master's degree holder. He is the Managing Trustee of Kalvi Kendra, which has been working for marginalised people in Tamilnadu State and Pondicherry U.T. - INDIA for over four decades (www.kalvikendra.org). He has extensive experience in the fields of microfinance, self-help groups, and social development. He received Microfinance Management training in Malaysia. He has been to South Africa, Ethiopia, and Malaysia to share his community development ideas through SHGs. He is also the Chief Editor of "Mu-tram" (Meaning Courtyard), a well-known special monthly magazine for women SHGs sponsored by the Tamilnadu State Government.

Mr.Thanga.Sekar

Thanga.Sekar

Chairman

Thanga.Sekar (Age - 65)–Chairman is a person with extensive experience in the finance sector. He has been involved in financial services in and around Villupuram District for the past four decades as the founder of Thangam Finance. He was appointed as Chairman of the Co-operative Urban Bank, Villupuram upon recognition of his experience. The bank received recognition from the Tamilnadu government for lowering the NPA under his administration. His expertise will assist the business in developing needs-based products that will support young entrepreneurs' long-term financial growth.

Thangam Santhosh

S. Thangam Santhosh

Managing Director

S. Thangam Santhosh, 40, is the Managing Director. He holds a Bachelor's degree in Information Technology and also a Bachelor's degree in Law. He has in-depth knowledge of the Indian microcredit sector, as well as extensive field experience and knowledge spanning more than a decade. He is in charge of the company's business team, new business initiatives, and procedural and structural development. He takes the initiative to design new products, do market research, and scale up the business in accordance with the business plan. He's also the Managing Partner of Thangam Finance, a family firm that's been offering financial services in the Villupuram district for over three decades.

Mr. C R M Sandeep

C.R.M Sandeep

Executive Director

C.R.M Sandeep (Age - 30) – Executive Director is a graduated with an M.Com from the esteemed Loyola University. He serves as a financial consultant for Kalvikendra, a well-known NGO that promotes socio economic development for the local populace in and around the Villupuram District. He provides financial literacy training to marginalized entrepreneurs identified by Kalvikendra, enabling them to build sustainable businesses. He additionally educates women SHGs how to keep an accounting of their collective endeavors.

Mr.S.Thangapandian

S. Thangapandian

Director

S. Thangapandian (Age - 29) – Director is a earned his MBA in Finance from Amity University, a prestigious institution. He has been the managing partner of Thangam Finance, a firm that has been offering financial services for the past forty years. His financial sector experience contributes in the development of new products that enable the business to compete in the financial market.

Kasturi

K. P. Kasturi

Board Advisory

K. P. Kasturi, Board Advisory is a former Deputy General Manager from Tamil Nadu's National Bank for Agriculture and Rural Development (NA-BARD). He has more than 38 years of banking expertise, a comprehensive understanding of the Indian microfinance business at a macro level, and vast field experience and knowledge.

Our Happy Entrepreneures

Ponni entrepreneure
Mrs. Ponni
Sustainable economic development through milch animals
Jayapal entrepreneure
Mr. Jayapal
Economic empowerment through paddy plantation machine
Shanthi entrepreneure
Mrs. Shanthi
Self-reliance as a vegetable vendor
Laila entrepreneure
Mrs. Laila
Micro Loans change their livelyhood
Rukmani entrepreneure
Mrs. Rukmani
Inclusive finance for empowerment
Meena entrepreneure
Mrs. Meena
Effectiveness of small loans in enhancing family income
Prema entrepreneure
Mrs. Prema
Working Capital Loan Enables to Enhance their Stock & Lives
Kanchana entrepreneure
Mrs. Kanchana
Lasting Access to Finance for Hotel Enterprise Development
Rajakumarai entrepreneure
Mrs. Rajakumarai
Livelihood Promotion through Mobile Snack Shop
Padmavathi entrepreneure
Mrs. Padmavathi
Sustainable Development through Small Loan Resources & textile Business
Bharathi entrepreneure
Mrs. Bharathi
Fancy Store Enabled Son’s Higher Education
2009

Since

5528

Total Number of Loans

257

.

7
M

Loan Disbursed

437

Village Panchayats

FREQUENTLY ASKED QUESTIONS

  • What are the general functions of the organization?

    Thangam capital mainly functions as an important source of credit to micro & small enterprises and farmers for the development of their livelihood in our area of operations, thus improving financial inclusion

  • Our operations are motivated by the objectives of financial stability, harnessing the domain experience which our board has gained over the years. Asset quality is continuously maintained by intense monitoring. Our aim is to improve and develop skills, expertise and credibility.

  • At present our resources are from individuals. Kalvikendra a reputed NGO in villupuram is our partner who helps us identifying our clients. We look forward to raise from Banks, Impact investors and individuals to increase our Net worth by way of share capital, contribution to debenture and/or long term loan.

  • Finance continuous as a challenge in women empowerment and development of MSMEs by micro & small entrepreneurs, who our perceived as “high risk” with low returns. We propose to utilize the resources generated to meet the credit needs of the unreached / underserved clients. Need based unique products will be introduced in our operations. Credit operations will be carried out by developing skills of staff and utilizing “Fintech”.

  • 1) We have developed a “Risk Framework Policy”.

    2) Our partner NGO will help us identifying potential future customers and help in our operations

    3) We are regulatory complaint and motivated by the objective of financial stability

    4) Harnessing the domain experience of the past 12 years by our present management will continue to contribute to our success

    5) Thus our NBFC will evolve further and emerge successful and meet obligations both financial & regulatory framework

Contact Us

Location:

Thangam Capital Private Limited,
Kalvikendra complex,
No.341, Salaiagaram via Koliyanur,
Villupuram -605103,
Tamilnadu, India.

Call:

+91 4146 249069
+91 4146 290569

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entrepreneure
Mrs. Ponni
Sustainable economic development through milch animals

Mrs. Ponni, a 35-year-old woman who lives in the village of Sornavurmelpathy, comes from a traditional farming family. Her major source of income while going about her daily business was usually two dairy cows. She had a lot of difficulty leading a decent life. She obtained a loan, purchased three more high-breed dairy cows, and took care of them. Her primary source of income is the milk from these cows. Currently, she earns Rs. 1500 per day. With that amount, she can take care of her basic necessities and provide a good education for her kids. She obtained extra financing and purchased two more cows, increasing her assets and values. Her relationship with her customers has improved in numbers as a result, and she now enjoys the standing in society.

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entrepreneure
Mr. Jayapal
Economic empowerment through paddy plantation machine

Mr. Jayapal, who lives in Sorappur, is from a family of struggling farmers. He made the decision to move to the city in search of work because he provides the family's main source of income. But without enough money, he was unable to relocate there. He made the decision to go back to his village and resume farming on his own property, but the revenue was once again insufficient. He planned to purchase a paddy plantation equipment and needed a loan from us to do so in order to provide for his family's fundamental necessities. He drives the equipment and hires it out for paddy cultivation in other farms. He eventually overcomes his difficult circumstances, and right now he plans to purchase another paddy cultivation machine.

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entrepreneure
Mrs. Shanthi
Self-reliance as a vegetable vendor

Mrs. Shanthi, a young woman of 29 who lives in the village of Kondur, was compelled to start her own retail vegetable shop during post pandemic period, having her prior work experience as a salesperson in a large vegetable store. Since her spouse, who was laid off from his job, worked as an auxiliary staff member in a small private company during the pandemic. With her husband's support, she intended to open a modest vegetable shop. They then obtained a loan for their working capital and started her own micro enterprise. Her fresh vegetables and reasonable prices attracted many daily wage workers who've become regular customers. The satisfied customers supported her by bringing in more walk-in customers thanks to their exceptional service. She is currently above the poverty threshold and works hard to become self - reliant and attain social status.

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entrepreneure
Mrs. Laila
Micro Loans change their livelyhood

Mrs. Laila, 52, hailing from the Kongampattu village, which is situated on the Malattaru embankment. This community is prone to flooding. She used to make Rs.300 every day from her tiny tea shop, which she runs. She expanded the tea shop into a grocery store after obtaining a credit of Rs.100000. by managing both the grocery and tea establishments. Her hard work increased her income to Rs.1000 per day. She received a loan of Rs. 200000 for the second time to expand and develop her existing business, and she started selling soft drinks. She joyfully earns Rs. 1300 each day operating tea, food, and soft drink businesses on that, she has purchased a tiny plot of land in her own hamlet to build a house. She is an example for other families in her village in terms of social status as well as economic prosperity.

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entrepreneure
Mrs. Rukmani
Inclusive finance for empowerment

Rukumani, the 44-year-old wife of Murugaiyan, is a native of the village of Chinthamani. Her spouse was the only source of money; he drove a bus. Because of the lack of income, she was unable to finance her daughter's schooling and future marriage. Having her interest in cooking, she intended to start her own hotel business. She had previously obtained a loan from Thangam Capital to cover her housing needs. She obtained a Sakthi Entrepreneur loan from "Thangam Capital" based on her prior history of payments. She then opened a new non-vegetarian hotel and began serving food three times per day, including morning breakfast, lunch, and dinner. With this decent earnings, she could now fund her daughter's schooling as she plans to start a vegetarian hotel shortly.

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entrepreneure
Mrs. Meena
Effectiveness of small loans in enhancing family income

Meena, a 47-year-old wife of Sarangapani who is from Mundiyampakkam, has received a Rs 50,000 credit from Thangam Capital. With the one iron box, she manages a dress ironing centre. She purchased two more iron boxes using the available credit. At the moment, three people are pressing the clothes and making Rs 1200 each day. Because she repaid all of her payments on time, she was able to obtain extra credit, using which she assisted her son in running the two-wheeler business. Typically, her son buys second-hand two-wheelers and sells them to people in need. The family earns extra money through the purchasing and selling of used two-wheelers. The family's income is obvious. The family's financial situation is improving.

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entrepreneure
Mrs. Prema
Working Capital Loan Enables to Enhance their Stock & Lives

Prema wife of santhosh, who lives in Mundiyampakkam, runs a mobile business with her husband assistance. They asked Thangam Capital for working capital so they could increase the stock. Having a credit facility of Rs. 50,000, increasing stock, and being able to meet the minimal demands of the clients in that semi-urban area. She needs extra credit in the second cycle because the mobile business is so active and has so many new technologies. Based on the requirements in that sector and the increased credit, she intends to raise the stock substantially.

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Kanchana entrepreneure
Mrs. Kanchana
Lasting Access to Finance for Hotel Enterprise Development

Balu's 42-year-old wife Kanchana is from the town of Virkavandi. She owns a small hotel in their community where both vegetarian and non-vegetarian food is offered at reasonable prices. The company is growing steadily, but because of the poor infrastructure, they were unable to attract in female customers. Therefore, they obtained working capital loan from "thangan capital" in order to refurbish, purchase new kitchen equipment, and retain a quality chef. Her hotel immediately attracted more male and female guests, as well as women, and so many daily labor began following and eat at the hotel. She eventually opened a fast food restaurant next to their hotel, which she maintains with the help of her husband and generates a very respectable income from. Every day, she becomes more prosperous economically

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Rajakumarai entrepreneure
Mrs. Rajakumarai
Livelihood Promotion through Mobile Snack Shop

Rajakumari 52-year-old wife of Ramachandiran, lives in the village of Chinthamani. She has a daughter and a son. Her son works for a private company and provides all of her family's money because her spouse is too ill to look for employment. She decided to start selling snacks as a result, and to do so, she applied for a Sakthi Entrepreneurship Loan from Thangam Capital. She started selling the snacks on a modest wooden cart with the assistance of her daughter. Many kids in that neighbourhood have grown to love her delicacies as a result of her selling traditional snacks. Her mobile snacks court often serves a large number of schoolchildren. She uses this extra money to support her family and grow her snack business.

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Padmavathi customer
Mrs. Padmavathi
Sustainable Development through Small Loan Resources & textile Business

Thangam Capital provided a working capital loan to Parvathi, the 51-year-old wife of Veeramani from P.S.Palayam. She enlarged her small textile shop, which is a shop exclusively for women, using the credit. She attracted a lot of rural clients by selling high-quality things at a low price. Despite coming from a small town, she took a creative approach to her business; rather than making money off of one item, she was able to accomplish it by selling a variety of goods. She could support her husband's farming efforts with the increased money from the textile business.

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Bharathi customer
Mrs. Bharathi
Fancy Store Enabled Son’s Higher Education

Bharathy, Prakash's 43-year-old wife, is from the village of Vadakuchipalayam. She started a fancy store on NH 45, where the population flow is very substantial, by obtaining a Sakthi entrepreneurship loan from Thangam Capital. Along with her village residents, the travellers pause to make purchases from the store. with the money she makes from her upscale shop. She is helping her daughter receive a respectable education in an English-medium convent school while raising her son to become an engineer. She is providing her kids with a respectable education.