Navodit has adopted a unique Joint Liability Group (JLG) lending model which enables a group of individuals to take loans for the purpose of income generation and income growth by forming a group, wherein each group member is equally liable for repayment through a formal agreement. Usually, beneficiaries of this product engage in a similar type of activity in agriculture/allied/non-farm sector. Since its inception in 2016, this loan product has been one of NAVODIT’s main offerings. Through the model, the company aims to add a social touch to credit offering by integrating modern technology into Indian Micro Finance Sector. This essentially meets the credit needs of the poor by combining the informal credit system’s flexibility, sensitivity, and responsiveness with the strength of formal credit institutions’ technical and administrative capabilities and financial resources.