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VARLAKSHMI MICRO SERVICES FEDERATION was incorporated under Section 8 of the Companies Act, 2013 (18 of 2013) the company is limited by shares.


Currently, We operate in rural, semi urban & most backward districts of four states: Punjab, Haryana, U.P & Bihar, and are working on expanding our services across the country. Since the beginning, we have realized that illiteracy, illness & inaccesibility to financial services are major impediments in breaking inter-generational poverty. Therefore, VARLAKSHMI MICRO SERVICES FEDERATION has a holistic approach in achieving the mission & vision by providing different nature of services.

Our Mission

Varlakshmi’s mission is to build the field of community development finance in India, to help its members and associate institutions to better serve the low income households, particularly women, in both rural and urban India in their quest for establishing stable livelihoods and improving the quality of life.

Our Vision

The vision of Varlakshmi’s is to see that through microfinance interventions, path to prosperity is paved by creating opportunities for self reliance of Women and men in rural and semi urban India, living below the poverty line so that they are able to face the realities of life with pride and confidence.

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Joint Liability Group Loan 
  Mahila Pragati Loan 

This is designed to extend loan facilities to women, with the objective of helping them meet their financial needs. A primary reason for this loan is to make women self-reliant by encouraging them.

Small Start-up Assistance For Entrepreneurs

With these loans, people are equipped with the abilities to make something for their future and to improve their standard of living. Also it bestows upon them the responsibility of making their own decisions and controlling their fate.

Personal loan

These loans help people to meet their current financial needs, for any purpose and encompass solutions that are designed to cater the varying needs of personal segments.

Top up Loan

Top up loan is a loan that allows you to borrow a certain amount of money over and above your original loan. It is a simple way to borrow more in a time of need.

Emergency Loan

Emergency Loan is a loan that helps you with cash in emergency situations. People typically need these loans right away to cover unexpected payments or events that could put continuity of life or business at risk

Seasonal Loan
(Agriculture & Education)

Seasonal loan refers to financing that can be repaid according to a agriculture's peak season and cash flow, when you're earning a return on your harvest.


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Technical Partners

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Digital Partners

Credit Bureau

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Banking Partner





I feel Varlakshmi is my extended family as they blessed me with an opportunity by providing me loan for setting up a vegetable shop. I feel I have come a long way from where I started. Thanks a lot Varlakshmi.

Image by Atharva Tulsi


I have always faced a financial crunch due to my husband’s limited income.  I took inspiration from a few working women in the neighborhood and started basket business with the help of Varlakshmi, which helped shape my family's future.

Frequently asked questions

What are R&D Tax Credits?

R&D Tax Credits are one of the largest tax reliefs available to UK companies, allowing them to reclaim up to 33% of all costs spent on research and development projects.

How many companies use the R&D Tax Scheme?

Staggeringly – 90% of all UK companies that are eligible under the R&D tax scheme, aren’t currently making a claim. Claim Capital are here to change that.

How do I know if my company is eligible?

If your company has spent capital developing a new product, process or service – you are most likely eligible to make an R&D tax claim. Get in touch today and one of our R&D tax specialists can confirm your eligibility.

How long does it take to make a claim?

Upon receiving the required documentation, Claim Capital will complete and submit your R&D tax claim within 3-5 working days. HMRC typically takes between 4-6 weeks to process and approve the claim.

Can I make an R&D Tax Claim even if my company is loss-making?

Yes. Companies which are loss-making and have undertaken R&D projects can claim up to 33% of all eligible costs.

Why Claim Capital?

Claim Capital was founded on the belief that current R&D providers were overcharging and taking far too long to complete the claims. We’ve changed the R&D game to ensure our clients receive an efficient, cost-effective and flexible service to suit their business needs.

What is Claim Capital’s success record?

We operate 100% success record across all sectors, with claim sizes currently varying between £10,000 and £1.2m.



For any inquiries, please call or email us:
Enquiry Form

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Registered & Corporate Office


367, M S Enclave, Near Shiv Mandir,

Dhakauli, SAS Nagar, 

Punjab, India, 140603

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