Empowering Rural Families

Rural Direct Benefit Family Account

A secure family-linked account designed to receive government benefits directly, support rural livelihoods, and ensure financial inclusion for every household.

  • Direct Assistance of Government Schemes & Subsidies
  • One Account for the Entire Family’s Financial Needs
Rural Family Banking Support

Endorsing & Empaneled with 80+ Companies

Nagrik Loans

Fast • Secure • Transparent

Apply for Loan

Step 1 of 3
₹ 2,00,000
Agriculture / Family
36 Months
🔒 RBI-guided | Secure Application

Loan Details

Simple, transparent loans designed for rural families

Our loan solutions are created to support families, farmers, and small entrepreneurs with easy access to credit, minimal documentation, and clear repayment terms.

Whether it’s for agriculture, education, healthcare, housing, or livelihood needs, we help you choose the right loan with complete transparency and guidance.

Low Interest & Flexible Repayment

Minimal Documentation Process

Loans for Family, Farming & Business

Our Services

Essential financial & welfare services for rural families

We connect families with government schemes, affordable finance, and secure benefit systems designed to improve housing, energy access, income stability, and financial inclusion.

Nagrik Awas Yojna

Support for affordable rural housing with assistance in scheme enrollment, subsidy access, and loan facilitation for eligible families.

Nagrik Saur Ujwaal Yojna

Solar energy solutions for rural homes, enabling lower electricity costs, clean energy adoption, and access to government solar benefits.

Group Loans for Rural Families

Community-based group loans designed for women, farmers, and families, offering low interest rates and flexible repayment options.

Rural Family Direct Benefit Account

A unified family-linked account to receive government benefits, subsidies, insurance support, and welfare payments directly.

EMI Calculator

Loan Amount ₹ 45,00,000
₹ 1,00,000 ₹ 10,00,00,000
Loan Tenure 25
1 year 50 years
Interest Rate 8.75%
0.5% PA 15% PA

Your Monthly EMI will be

₹ 36,996

  • Amount Payable₹ 1,10,98,939
  • Interest Amount₹ 65,98,939
  • Principal Amount₹ 45,00,000

Watch Our Story

See how rural families build secure savings, protection, and a better future

Trusted Savings with National Institutions

Learn how families save securely through plans associated with LIC and SBI General Insurance, ensuring safety, transparency, and long-term growth.

Protection for Every Stage of Life

From family protection to retirement planning, see how insurance-linked savings help rural households stay financially strong during life’s uncertainties.

Simple, Guided & Family-Focused

Watch how Nagrik simplifies enrollment, contributions, and benefit access so families can save confidently without complexity or confusion.

Our Partnered Banks

Collaboration with 180+ Banks & Financial Institutions

Insurance Plans

Secure Your Future with LIC & SBI Life Saving and Term Plans

01

LIC Jeevan Anand

LIC Jeevan Anand

A popular saving-cum-life insurance plan offering lifelong protection with maturity benefits.

  • Lifetime Risk Cover
  • Maturity + Death Benefit
  • Loan Facility Available

02

LIC Term Insurance

LIC Term Insurance Plan

Pure protection plan providing high life cover at affordable premiums.

  • High Sum Assured
  • Low Premium
  • Tax Benefits under 80C & 10(10D)

03

SBI Life Savings Plan

SBI Life Savings Plan

A flexible savings insurance plan to build wealth while ensuring life protection.

  • Guaranteed Returns Options
  • Wealth Creation
  • Flexible Premium Payment

04

SBI Life Term Plan

SBI Life Term Insurance

Comprehensive term insurance plan ensuring financial security for your family.

  • High Coverage at Low Cost
  • Multiple Rider Options
  • Easy Claim Settlement

Our Account Types

Inclusive financial security plans for individuals, farmers & rural families

Nagrik Citizen Card

500 /Month
  • ₹3 Lakh Accidental Insurance
  • Loan Facilitation Support
  • Access to Savings Plans
  • CSR Scheme Eligibility
Get Your Card

Nagrik Kisaan Samriddhi Card

1000 /Month
  • ₹10 Lakh Accidental Cover
  • ₹30,000 Medical Support
  • Tele Crop Advisory
  • Marketplace Access
Get Your Card

Nagrik Kisaan Pension Account

1500 /Month
  • Farmer Pension Support
  • ₹10 Lakh Accidental Cover
  • ₹30,000 Medical Support
  • Financial Guidance
Open Your Account

Nagrik Rural Family Direct Benefit Account

2000 /Month
  • ₹5+₹5 Lakh Adult Cover
  • ₹1 Lakh Medical Support (4 Members of the family.
  • Family Benefit Access
  • DBT Facilitation
Open Your Account

Nagrik Shram Yogi Account

3500 /Month
  • ₹10 Lakh Accidental Cover
  • ₹30,000 Medical Support
  • Unorganized Worker Pension Support
  • Financial Guidance
Open Your Account

Nagrik Vyapaar Plus Account

5000 /Month
  • Business Loan Support
  • 2 lakh Shop Insurance
  • Udyaam & Registration Aid
  • Working Capital Access
Get it Now
  • Transparent & affordable plans
  • No hidden charges
  • Support across loans, insurance & welfare
Nagrik360 App Nagrik360 Logo

Now get our Nagrik360 App

Access Exclusive Marketplace and Digital solutions easily from your mobile. Download the Nagrik360 app today and empower your village digitally.

Get it on Play Store

Frequently Asked Questions

Clear answers to help you understand Nagrik360 better

Nagrik360 is a citizen-focused facilitation platform designed to help individuals, farmers, and rural families access financial services, insurance benefits, loans, savings plans, and government welfare schemes through verified partner institutions.

No. Nagrik360 is not a bank, NBFC, or insurance company. We act only as a facilitation and support platform. All banking, loan, and insurance services are provided by RBI- and IRDAI-regulated banks, NBFCs, and insurance companies.

Based on the selected account type, members may receive access to personal accidental insurance cover, community medical support, group loans, loan facilitation, savings plans, CSR-linked benefits, and assistance with government welfare schemes.

Any Indian citizen including individuals, farmers, self-help group members, and rural families can open a Nagrik360 account by completing basic KYC requirements and selecting the appropriate account type.

Insurance coverage and loan facilities are provided through partnered insurance companies, banks, NBFCs, and financial institutions. Nagrik360 assists members with application submission, documentation, and facilitation, subject to partner eligibility and approval.

25K+

Empowering Citizens & Rural Families Across India

Citizen Voices – Karnataka

Real stories from citizens across Karnataka empowered by Nagrik360

“Nagrik360 guided me for insurance and group loan access. This support helped me manage my farming expenses smoothly.”

Ramesh Gowda

Farmer, Mandya District, Karnataka

“Through Nagrik360, I secured accident insurance and community medical support for my family.”

Lakshmi Devi

Homemaker, Tumakuru, Karnataka

“Nagrik360 helped our self-help group with savings plans and loan guidance. Very useful for our village.”

Shivanna

SHG Member, Chitradurga, Karnataka

Latest Insights

Practical knowledge on insurance, loans, and welfare for rural India

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How Rural Families Can Manage Income Uncertainty and Emergencies

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Planning Early for Children’s Education and Future Goals

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The Role of Women in Strengthening Household Savings

The Role of Women in Strengthening Household Savings

Women play a central role in managing household finances and building long-term savings.

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