Products and Service


Product Term Loan Size (INR) Interest Rate
Micro Enterprise livelihood initiatives 50 Weeks 10,000,15,000 18,000 & 21,000 24% Diminishing
Micro Enterprise livelihood initiatives(Upgrading) 100 Weeks 20,000 – 25,000 24% Diminishing
Micro Enterprise livelihood intiatives(Upgrading) 50 Weeks 27,000 & 29,000 24% Diminishing
Micro Enterprise livelihood initiatives(Upgrading) 75 weeks 30,000 24% Diminishing
Additional Working Capital 25 Weeks 8,000 24% Diminishing
Additional Working Capital 50 Weeks 10,000 24% Diminishing
Additional Working Capital 50 Weeks 15,000 24% Diminishing
Livestock program(NABKISAN) 50 Weeks 24,000 20.75 % Diminishing
Repair and Renovation 12 Months 15,000 14.5% Diminishing
Toilet Construction 12 Months 15,000 14.5% Diminishing
Maternity Loan 20 Weeks 5,000 0% interest
Micro Business Loan 36 months 36,000 21% Diminishing
Micro Business Loan 100 weeks 50,000 24% Diminishing
Semam Family Health Insurance Scheme 30weeks 300 0% Interest
Semam Family Health Insurance Scheme 45weeks 450 0% Interest
Festival/Functional/Emergency Loan 7-10 Days 10,000,15,000,20,000 1% Interest No Processing Charges

Livelihood Generation Program

Mahasemam has trained its members to marketed products like semam soap‚ semam shampoo‚ semam oil‚ semam coffee powder‚ semam match box and other products to the community. Mahasemam procures these quality products from manufacturers‚ who produce it as per the given specification‚ adhering to highest quality standards‚ which is then market under the brand name “Semam”. The members earn a decent profit from the sale of these products

Upcoming Projects

Biogas & Bio diesel generation

Mahasemam is the first MFI in India to start with Bio diesel and Bio gas projects for generation of clean eco friendly energy and well as employment generation. Members will get an additional source of income by cultivation of Jatropha plant, which would give the basic raw material for the bio diesel. Mahasemam has a buy back arrangement with the members, which will ascertain a steady income for the cultivators.

The cultivation of Jatropha is well suited to the climatic and soil conditions prevalent in Southern Tamilnadu, which has arid weather and low fertility soil . The Jatropha seeds have 40% oil content . The oil content is 25-30% in the seed and 50-60% in the kernel. Jatropha saplings starts yielding the in the first year after plantation .After the first five years, the typical annual yield of Jatropha tree is 3.5 kgs of Beans. The tree is productive for 30-40 years. 4 kgs of seed is required to produce one litre of Bio Diesel. As per realistic estimates, one hectare of Jatropha plantation can yield up to 2.2 -2.7 tons of oil . The pressed seed cake which is the by-product left after the oil is pressed out from the seed, is very rich in nitrogen and thus very good manure for agricultural fields. The remaining oil is used to make skin friendly soap.

Thus Jatropha not only meets the rural energy needs but also protects the environment and generates gainful employment.

There will be four business opportunities for involvement of the interested stakeholders

  • Plantation of Jatropha.
  • Collection of oil bearing seeds
  • Processing of seeds to produce oil and seed cake, processing of cake to get Bio Gas and Bio Fertilizer.
  • Manufacturing of Bio-diesel