Trinket seller loan

Traders of trinkets, jewellery items and souvenirs

4% P.A. for loan amount 1 lakh

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    Features and Benefit of Loan

    Here is an exhaustive list of all the fees and charges to be paid for the trinket loan.

    Attractive loan amount

    Max loan amount of Rs. 1 Lakh for trinkets, jewellery and souniers sellers.

    Easy Loan Repayment

    Maximum tenure up to 6 months for Rs. 1 Lakh Loan size.

    100% Transparency

    The process of loan sanction is strictly based on the requirements and eligibility of the customers.

    Quick and easy disbursal

    Loan application process is  simple and require minimum KYC documents.

    Preclosure and Prepayment

    Flexible for prepayment and preclosure of the loan account.

    Attractive rate of interest

    The rate of interest is 4% for the amount of Rs. 1 Lakh during the tenure of 6 months.


    For meeting capital needs of Tibetan Markets engaged in trinket selling business. Trinket loan is part of TRLSP program and this loan provided to only Tibetan engaged in small business with very low income. It aims to improve the livelihood of people.

    Eligibility Criteria

    • Updated Green Book and Registration Certificate
    • The age of the applicant should be within 18 – 55 years old.
    • applicant should be a registered member of TRTA
    • Borrower shouldn’t have defaulted to any Financial institution for loan availed earlier

    Documentes needs

    • Loan application form duly signed and approved by the Tibetan settlement officers
    • Updated Registration Certificate (optional)
    • Updated Green Book (GB)
    • One passport sized photograph
    • Pan Card (optional)


    Here is an exhaustive list of all the fees and charges to be paid for the Trinket loan.

    1 Lakh

    Loan size

    4% pa

    Rate of interest

    6 Months

    Loan tenure

    • Description of Charges
      Trinket Loan
    • Loan Processing Charges*
    • Pre-payment charges*
    • No Due Certificate
    • Solvency Certificate
    • Penalty Interest on delayed / overdue EMI
      Rs.50 per day for one month



    3000 + Tibetan families are benefited from TRLSP scheme under different loan scheme.

    “This loan program is most admirable. The kashag’s support programme is excellent. We have been running small road-side businesses, such as selling tea and potato snacks, for decades without much support. This programme is run without  any collateral and security. It helps immensely in sustaining our livelihood. I thank you for this.”

    Tashi Dorjee, Sweater Seller Dharamsala

    “TRLSP has a huge participation by Tibetan women. It shows the equality of gender in Tibetan Society. Tibetan women have proved that they are very skilled at sales. In fact, all our stalls are managed by them; Women have huge role in the success of winter sweater seller business ”

    Tenzin Lekshey, TRTA Representative Dharamsala

    “I must thank the Department of Finance for it’s support. As for me, my conditions do not encourage me to take loans from banks nor can i face up to seeking help from neighbours. Moreover they come with tough conditions and require higher interest. The present support makes it very easy and allows me to have funds to purchase goods from markets like Delhi. It has greatly helped me  and provided great relief for running my family”.

    Tsering Dolma, Trinket Seller Dharamsala

    Frequently ask questions.

    These are the frequently asked questions and doubts about different loan products under TRLSP support scheme.

    reach us if not clear

    You can borrow upto 2 Lakh but depends our funds.

    Yes, you can pay off as early as possible.

    The availability of funds and application process will be notify via settlement office and our website. So please be informed with this.

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