About Composite Loan

Businesses sometimes are faced with requirement to expand business on multiple front i.e. plant development, buying new equipment refinancing old loan or increase stock etc. Such requirement will be catered with Composite loan where the loan will consist of multiple components. The amount required and the approval procedure will be based upon the each of the product specific requirements.

The application procedures and requirement pertaining to composite loan application should be thoroughly checked before applying.

Composite Loan Products

Achieve all your goals and aspirations; with the right kind of help, exactly when you need it.

MSME Purpose

Customer can avail composite loan in meeting their working capital and other small business.

Refinance Purpose

You can avail this composite loan to refinance your financial needs.

Entrepreneur purpose

Get the loan to meet the requirement to establish the business.

Personal Business purpose

In order to meet the daily requirements, you can avail this composite loan.

Features of Composite Loan

All loans are not created equal, debt consolidation loan has become a great option for people to use.

Attractive loan amount

This is a loan with ticket size up to 20 lacs, given for period of up to 36 months. The repayment of these loans will be on monthly basis.

Flexible repayment & No processing Fees

Interest calculation will be at monthly rest and no processing charges.

20% Funding on Loan

The total financing will be up to 20% of the total projected turnover of the business.

Flexible Pre-closure and the pre-payment

Pre-closure and the pre-payment of such loans are all allowed at no additional cost or penal charges. Late Repayment fees of INR 50/day will be charged

Composite Loan - Eligibility

Borrower must submit all documents pertaining to the existing loan with details including loan sanction letter, current loan outstanding and total amount to be paid for fore closure of the loan.


Applicant must be above 18 years of age.

Proof of Established Business

Applicant should have a registered Business/Legally permitted business/activities.

Proof of Tibetan

The member should be Green Book Holder

Frequently Ask Questions

If you have a question that deals with clients, customers or the public in general, there is bound to be a need for the FAQ page.

Unlike Tibetan Refugee Livelihood Support Program (TRLSP), the Commercial Loan Program will not bind by any period for application submission unless specifically specified while scheme launch.

Any Tibetan entrepreneurs through the settlement office.

Currently, our policy allows one loan scheme for a family at a given time. Hence, if the applicant is an active client of GDF, He/she must wait until the existing loan tenure is finished or close the existing loan account before availing any other loan scheme.

Allowing any such changes will be based on the specific case, although such changes will require the applicant to notify partner organization, revise the document and submit it again through partner organization.

Currently, there is no option for the borrower to avail any moratorium period on loans sanctioned by GDF except under circumstances as may be notified by the Reserve Bank of India

GDF from time to time will collaborate with various institutions/ organizations to provide financial access to the targeted clients. Such collaboration will help GDF to leverage these partner organization’s experience and knowledge of the potential customer and result in more efficient underwriting process.

Currently for general public, Tibetan Settlement Offices will be the point of contact through and through they can apply for credit facility from GDF.
While in future, GDF might explore many such partnerships which will bring synergy between GDF and such community based institutions. Ultimately, resulting in better effectiveness and efficiency.

Any such schemes will be announced through official website of Central Tibetan Administration (http://bod.asia/) and through GDF’s Official website (https://gangjongdevelopmentfinance.com/).

Yes. GDF’s products are specifically designed to meet the need of their potential clients. Hence, in such aforementioned events, the loan products will always be available for general public.

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