BSS Shakti is an Android application designed to facilitate micro-finance services aimed at alleviating poverty among women and their families. The app offers micro loans ranging from ₹8,000 to ₹80,000, with annual interest rates varying between 18% and 25%. It provides flexible repayment plans that span from 6 months to 2 years, allowing users to choose between fortnightly or monthly repayment frequencies. Additionally, there are no pre-closure charges or security deposits required, making it accessible for those at the bottom of the economic pyramid.

The application operates in collaboration with Kotak Mahindra Bank Limited, ensuring that the loans are regulated and secure. For instance, a loan of ₹80,000 at a 25% APR over 24 months entails a processing fee of ₹800 plus GST, resulting in a total repayment amount of ₹1,01,391. This structure not only supports financial independence but also promotes better money management and improved quality of life for its users.