Mariammal lives in Thittacherry and was initially dependent on her husband’s income. After joining the Valar Nelmani Joint Liability Group under Valar Aditi Social Finance Limited, she began her livelihood journey. Her first loan of ₹25,000 helped her start a small fruit stall. With a ₹40,000 loan, she rented a shop and continued her fruit business, and later, with a ₹60,000 loan, she built a shop adjacent to her house, allowing her to run the stall full‑time.

As her confidence and income grew, Mariammal availed a ₹1,00,000 loan, which she used to diversify her business by purchasing additional items, including a xerox machine. The steady profit from her fruit stall enabled her to meet her children’s educational needs and manage her household expenses comfortably. Her hard work and responsible repayment strengthened her eligibility for further support.

Through her improved income, Mariammal achieved a major milestone—she purchased 2 acres of farmland and began cultivating agriculture. She proudly says that Valar Aditi has given her confidence and motivation to grow further. She is committed to supporting other women in her group, repaying her dues on time, and expanding her fruit stall even more. She expresses her heartfelt thanks to VASFPL for empowering her journey.

P. Saritha lives in Karakathikottai village of Pudukkottai district with her husband and children. During a period of financial struggle, her neighbours introduced her to VASFPL, encouraging her to join a Joint Liability Group. She received her first loan of ₹10,000, which she used to start a petty shop, marking the beginning of her livelihood journey.

With disciplined repayment and growing confidence, Saritha accessed a ₹40,000 loan, followed by a ₹1,00,000 loan, which enabled her to establish a grocery store. The income from the shop helped her meet her children’s educational expenses and manage her family’s needs comfortably. Her consistent progress and responsible repayment strengthened her eligibility for further support.

Recently, Saritha received a ₹2,00,000 loan, which she used to expand her grocery store, increasing both stock and customer reach. Today, she lives happily and securely, free from the financial difficulties she once faced. She expresses her heartfelt gratitude to VASFPL for supporting her growth and helping her build a stable livelihood.

R. Ponnazhagu from Thandalai village lives with her husband and two children. During a period of financial difficulty, she joined the Valar Sivan Joint Liability Group under the Avudayarkoil branch of Valar Aditi Social Finance Limited. Her journey began with a ₹20,000 loan, which she used to purchase a milch cow and start a small milk business, helping her support her family while repaying her dues responsibly.

With growing confidence, she accessed a ₹40,000 second loan and established a tea shop. The income from the shop enabled her to manage her children’s educational expenses and continue her repayments on time. Later, she received a ₹80,000 third loan, which she used to expand her tea stall, further strengthening her livelihood and improving her family’s stability.

Recently, Ponnazhagu availed a ₹2,00,000 personal loan, allowing her to establish a flour mill alongside her tea stall. This additional income source has significantly improved her lifestyle and financial security. She expresses her heartfelt gratitude to Valar Aditi Social Finance Limited for supporting her steady progress and empowering her family’s future.

Malliga lives in Nerpugapatti village in Karaikudi, Sivagangai district. She has been a member of Valar Aditi Social Finance Private Limited for the past four years. During this period, she received her first loan of ₹40,000 and her second loan of ₹60,000, both of which she repaid with full responsibility and discipline.

Last month, Malliga received a personal loan of ₹1,00,000, which marked a turning point in her livelihood journey. With this support, she established a grocery store and also purchased a tailoring machine. She placed the sewing machine inside her shop so she could stitch clothes during her free time. By running two income‑generating activities in a single shop, she has created a strong and sustainable livelihood model.

Her husband also supports her by working in the shop. The shop rent is ₹1,500 per month, and Malliga now earns ₹1,000 per day through the grocery store and ₹500 per day through tailoring. Together, she earns approximately ₹45,000 per month, significantly improving her family’s quality of life.

Today, Malliga enjoys a stable and dignified living. Her success has also helped spread the good name of Valar Aditi Social Finance Private Limited throughout her village.

Lakshmi from Thidakottai became a member of the Valar Shubham Joint Liability Group in 2022. As part of a six‑member group, she accessed a collective loan of ₹2,40,000, which the group repaid with full commitment and financial discipline. This initial support strengthened her confidence and encouraged her to continue her livelihood journey.

As her business needs grew, Lakshmi availed her third loan — a Business Loan of ₹1,00,000 from Valar Aditi Social Finance Limited. With this financial assistance, she expanded her small shop, improved its stock, and enhanced its operations. The growth of her shop has resulted in steady and increased profits, enabling her to support her family more comfortably.

Today, Lakshmi leads a stable and secure life. She expresses her heartfelt gratitude to Valar Aditi Social Finance Limited for empowering her livelihood and supporting her family’s well‑being.

Rethinam lives in Kayampatti village with her husband, son and daughter. She completed her education up to the 12th standard and aspired to improve her family’s economic condition. With financial support ranging from ₹20,000 to ₹2,00,000, she initially managed a small grocery shop to support her household.

With further assistance, Rethinam invested in an autorickshaw for her husband, which significantly increased the family’s income. This additional livelihood enabled her to provide quality education for her children and meet all household needs with confidence.

Today, Rethinam and her family lead a stable and secure life, strengthened by sustained livelihood support and her commitment to her children’s future.

Chitra lives in Avanam village and is a mother of two sons. She completed her education up to the 10th standard and was determined to build a stable livelihood for her family. With financial support ranging from ₹25,000 to ₹2,00,000, she began her journey by establishing a small grocery shop.

Through consistent effort and progressive support, Chitra gradually expanded her business into a larger grocery store. Today, the shop provides her with a steady and sufficient income, enabling her to meet her family’s needs and ensure her sons’ education.

Chitra and her family now lead a happy and secure life, made possible through sustained livelihood support and her own determination.

Hema from Makaliyenthal village in Avudayarkoil Taluk, Pudukkottai district, was a founding member of the first 20‑member Joint Liability Group in her village. Through this group, women were sensitised and educated on the importance of savings and financial discipline. Hema’s journey began with a loan of ₹25,000, which she used to purchase five goats. Over time, her livestock grew to 75 goats, significantly strengthening her family’s income.

With continued support, Hema diversified her livelihood by purchasing a milch cow, a cart bullock, and later a tractor, each investment further increasing her earnings. When she received her first loan, she lived in a hut. Six months ago, she built and moved into a concrete house, marking a major milestone in her life.

Today, Hema lives comfortably with a stable income. She gratefully acknowledges Valar Aditi Social Finance Private Limited for supporting her journey toward financial security and dignity.

J. Arockia Mary from Thirupunavasal village in Avudayarkoil Taluk, Pudukkottai district, lives with her husband and two children. She has been an active member of the Valar Annai Theresa Joint Liability Group for over a decade. Her journey toward economic stability began with a loan of ₹15,000, which she used to purchase a milch cow and support her family through dairy income.

With consistent repayment and growing confidence, Arockia Mary accessed successive loans to expand her livelihood. She invested in additional milch cows, established a petty shop, and later opened a cool drinks shop and milk outlet. With further support, she set up and expanded a grocery store, which now serves as her primary source of income.

Today, Arockia Mary leads a stable and dignified life. Her children are pursuing college education, and her family meets all its needs independently. She expresses her sincere gratitude to Valar Aditi Social Finance Private Limited for supporting her sustained growth and self‑reliance.

J. Barkath Nisha from Muthukuda village in Avudayarkoil Taluk, Pudukkottai district, is a widow who faced severe financial hardship while caring for her infant child. Seeking a way forward, she joined a 10-member Joint Liability Group and received her first loan of ₹15,000, which she used to purchase a milch cow. The income from dairy farming helped her sustain her family and educate her child.

Over the years, Barkath Nisha accessed further financial support to strengthen her livelihood. She supported her son’s college education, helped him secure employment abroad, and built a concrete house for her family. With a final loan of ₹1,00,000, she established a fancy store, which now provides her with a stable income.

Today, Barkath Nisha lives a secure and self-reliant life. She expresses her heartfelt gratitude to Valar Aditi Social Finance Limited for supporting her journey toward sustainable development.