NKS Points
Naari Kalyan Samity Points
📌 What is NKS POINTS?
NKS POINTS stands for Naari Kalyan Samity Points under KDA Microfinance. It acts as a loan service point (LSP) or authorized loan agent operating in rural areas. Their core purpose is:
- To process loans for rural small traders, daily wage earners, handicraft workers, cottage industry workers, and women’s self-help groups.
- To verify borrower eligibility, process loan applications, and recover loan installments.
- To function as an authorized debt recovery agent for KDA Microfinance.
The goal is to promote financial self-reliance among rural populations by giving them access to small, manageable loans with local verification and collection agents.
📌 Work & Responsibilities of NKS POINTS
NKS POINTS duties include:
- Processing and verifying loan applications (documents, credit score, business/income proof).
- Conducting video and on-ground verifications.
- Collecting loan installments as per schedule (daily, weekly, monthly).
- Ensuring no loans are processed for ineligible individuals (underage, blacklisted, low credit score, etc.).
- Recovering overdue installments and facing penalties if defaults occur.
- Participating in compulsory training and monthly meetings.
- Maintaining proper documentation, avoiding illegal activities, and upholding company policies.
There are 3 types of NKS POINTS:
- NKS 101 — Business & personal loans (daily & weekly collection)
- NKS 102 — Business, personal, & group loans (daily, weekly & monthly collection)
- NKS 103 — Group/JLG loans (weekly collection)
📌 Earnings & Commission Structure
NKS POINTS agents earn commission on loan recovery, not disbursement. Commission slabs are:
| Monthly Collection Amount (₹) | Commission % |
|---|---|
| 100 – 999 | 3% |
| 1,000 – 1,999 | 3.5% |
| 2,000 – 14,999 | 4% |
| 15,000 – 34,999 | 4.5% |
| 35,000 – 69,999 | 5% |
| 70,000 – 1,24,999 | 5.5% |
| 1,25,000 – 1,49,999 | 5.7% |
| 1,50,000 – 5,00,000 | 6% |
📌 Future of NKS POINTS
The agreement outlines potential growth and continuity benefits:
- Renewal required yearly.
- Promotion & upgrading options within NKS POINTS types.
- Work tenure benefits — those completing 20 years get a lifetime allowance (₹1000–2500/month).
- Restrictions on overlapping work with other financial companies.
- Future adjustments in commission rates and operational policies.
- Mandatory compliance with KDA Microfinance guidelines, RBI regulations, and data protection norms.
The program is designed for long-term engagement, offering career continuity, local employment opportunities, and community-focused financial services.
Join Naari Kalyan Samity (NKS)
Empowering Women to Build Independent Futures
Joining NKS as a LSP (Loan Service Point) Partner opens the door to financial freedom and social respect. Here's everything you need to get started:
✅ Eligibility Criteria
To qualify as an NKS Partner, you must meet the following requirements:
✅ Female Applicant (Women Only)
✅ Age: 21 to 45 years
✅ Credit Score: Minimum 650
✅ Own a Shop/Permanent Setup
✅ Bike or Scooty (for mobility)
✅ Android Smartphone
✅ 6x4 ft Banner Display Space
✅ Seating for at least 2 Customers
✅ Parking Area & Complaint Box
✅ Shop Timings: Open by 10:00 AM
✅ UPI Application Active
📄 Documents Required
Ensure you have the following documents ready:
Photo ID Proof (Aadhaar/Passport/Voter ID)
Address Proof (Utility Bill, Aadhaar, etc.)
PAN Card
PCC (Police Clearance Certificate - Current)
PDC (Post-Dated Cheques) – 3 copies
Recent Passport Size Photo
Credit Score Report (Min. 650)
🔄 Joining Process
Follow these 8 simple steps to join the NKS Network:
- Document Submission
- Identity Verification via Video
- Approval of Application
- Payment of Registration Fees
- On-Site Shop Inspection by Branch Manager
- Signing of Agreement
- Two-Day Training Session
- Certificate & Activation of LSP
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