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0% Application Fee

Save from day one — no hidden costs.

No Hidden Charges

Complete transparency. What we promise is what you get.

Fast Approval

Approval within 48 hours — money directly in your bank account.

Friendly EMIs

Repayments designed around your Business’s cash flow.
Our Presence

We are spread across the country with strong reach and impact.

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HOW ITS WORKS

Get Your WASH Loan Offer in just 2 Minutes

01.
KYC Verification
We securely verify your PAN, Aadhaar, and basic business details as per government rules to keep your loan process smooth and safe.
02.
Bank Statement
Upload your last 6 months’ bank statement or fetch it instantly via OTP for faster processing.
03.
Loan Eligibility
Your loan eligibility is calculated using your banking and business performance to offer you the best possible loan amount.
Our Feature

We understand the Real Problems of a WASH Loan

Common Problems People Face How Vedika Finance Helps
No clean drinking water at home Easy loan for water purifier or safe water setup
Poor toilet or sanitation facility Loan support for toilet construction or repair
High medical risk due to unsafe hygiene Helps improve hygiene and family health
No proper bathroom facility Finance for bathroom construction or improvement
Shortage of funds for sanitation work Small-ticket loan with easy repayment options
Get Loan

How to Get Started?

Loan Features

  • 0% processing fee — no hidden charges.
  • Loan approval within 48 hours.
  • Easy EMI options based on your milk income.
  • No collateral or guarantor required.
  • Funds credited directly to your bank account.
  • Finance available for cattle purchase and dairy setup.

Eligibility

  • Age: 18–60 years
  • Applicant Type: Existing or new eligible customer
  • Purpose: Toilet, bathroom, water connection, water purifier or sanitation improvement
  • Income Source: Regular income or income-generating activity
  • Residence: Own house or stable residence
  • Repayment Capacity: Ability to pay easy EMIs on time
  • Documents: Aadhaar Card, PAN Card, address proof and recent photograph

How to Apply

OR

Fill out the form online. Fast. Simple.

Client testimonial and real success stories read

★★★★★
★★★★★

The Wash Loan from Vedika Finance helped me build a proper bathroom and toilet for my family. It has greatly improved our comfort, hygiene, and overall quality of life.

Atul Sharma

Bihar
★★★★★
★★★★★

With the support of Vedika Finance, I was able to construct a sanitation facility at my home. The loan process was simple, and now my family has access to a safe and clean bathroom.

Pankaj Tiwari

Jharkhand
★★★★★
★★★★★

I used the Wash Loan to improve sanitation facilities in my house. The timely financial assistance helped me complete the construction without delay, and my family now enjoys a cleaner and healthier living environment.

Nandani Kumari

Gorakhpur

FAQs

A loan for improving water, sanitation, and hygiene facilities at home.

For toilets, bathrooms, water tanks, water connections, and water purifiers.

Eligible individuals aged 18–60 years with a regular source of income.

No, collateral is generally not required.

Aadhaar Card, PAN Card, address proof, and photograph.

The loan amount depends on your eligibility and repayment capacity.

After approval, the loan is disbursed as per the applicable timeline.

Yes, the loan can be repaid through easy monthly EMIs.

Vedika Credit Capital Ltd is a Non-Deposit taking, Non-Banking Finance Company (NBFC-MFI). The Company was originally registered as a Private Limited Company but was later converted into a Public Limited Company in November, 1995.

Location

Registered Office Address:
C/O Mr. Subir Dhara, Village – Choto Khataliya, P.O.- Shiuli Telini Para, Dist. – 24 North Parganas, P.S.- Titagar, West Bengal – 700121, India

Head Office Address:
404, Shrilok Complex, 4th Floor, H. B. Road, Ranchi, Jharkhand- 834001, India

Corporate Office Address:
Kokar Industrial Area, Prabhat Khabar Lane, Opp. Sadhu Maidan, Kokar, Ranchi, Jharkhand 834001, India

Contact us

+919431710000

 customer.service@teamvedika.com

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GST No. : 20AAACV8957E1ZD
CIN No. : U67120WB1995PLC069424

Vedika Credit Capital Ltd is a Non-Deposit Taking NBFC-MFI registered with the Reserve Bank of India (RBI Registration No.
B-05.00844). All loans are sanctioned and administered in compliance with applicable RBI regulations and Indian laws.

© 2026, Vedika Credit Capital Ltd. All rights reserved