CM Micro Finance Pvt Ltd began in 2021 with a single branch in Dharmapuri and a simple premise: rural and semi-urban borrowers don't lack repayment discipline, they lack access. Today, we operate over 100 branches across Tamil Nadu, serving self-help groups, women entrepreneurs, farmers, and small traders who mainstream banks often overlook.
Every branch is staffed by officers who speak the local dialect, understand the local crop or trade cycle, and visit customers where they work — not the other way around. That proximity is why our repayment rates remain among the strongest in the sector, and why 50,000+ customers keep returning to us for their next loan.
A Tamil Nadu where no self-help group, farmer or small trader is priced out of formal credit — where financial access is a starting point, not a privilege.
To deliver fast, transparent, doorstep micro-credit and financial guidance that helps every borrower build a durable, growing livelihood — not just meet an emergency.
Integrity in every disclosure, respect for the borrower's time, and accountability to the groups and communities that have trusted us for 5 years.
Our field-first model and published fee schedule are what set us apart from both informal lenders and distant institutional banks.
Talk to a Branch Officer →Credit decisions in 48 hours for most retail loan categories.
Rates from 11% p.a., reviewed quarterly against market benchmarks.
A single sanction letter lists every fee — no surprise deductions.
ID, address and group endorsement suffice for most applications.
5 years of operating history and audited annual disclosures.
Encrypted digital repayments alongside receipted cash collection.
Flexible daily, weekly, or monthly doorstep EMI collections.
Tamil and English support desks at every branch, six days a week.
Over 400 field and branch staff make the daily visits that keep our default rates among the lowest in the sector.
