Income Generating Loans:
Meant for small business people having daily cash flows with a loan size of between Rs.5, 000 and Rs. 20,000. Gram Tarang adopted Joint Liability Group (JLG) model, for its operations. For IGL, Gram Tarang charges flat 12% interest rate without taking any collateral for a tenure of 50 weeks.IGL is a group based loan where in a group of 5 members, one serves as guarantor for the other four. After doing a stringent appraisal on various aspects of client like the household income, expenditure, and the branch staff sanctions a loan amount that will be in proportion to the disposable income of the family. Repayment is done on weekly basis and the weekly meeting day, meeting location and meeting time will be decided with at the discretion of all the group members only.

Supplementary Loans:
Meant for small business people having daily cash flows with a loan size of between Rs. 2,000 and Rs. 6,000. These are the special loans that will be given to the selected members out of the existing clients of IGL, who crosses 25 weeks of repayment and exhibits good discipline and prompt repayment. Members need to repay this loan along with the IGL in 50 weeks only.

Education Loans:
Meant for students pursuing ITI and the loan size stands at Rs. 10,000 to Rs. 20,000. GTFS is funding up to 50% of the course fees to the youth from SC, ST, OBC and minority communities at low interest rates enabling them to successfully complete job guaranteed 1 year certified training programme. The repayment period is on monthly basis and the parents of the students should repay the entire loan during the course of the 1 year training period.