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The Group is being managed by Professionals and is the first Micofinance Institution of Northern India. As mentioned in the prospectus the group is promoted by promoters having 45 years of experience in the field of finance in northern India. The Promoters have also promoter a local area Bank "Capital Local Area Bank Ltd.'' which is the largest local area bank of the country. The company within a period of 3 years has a good track record of growth and profitability. The company provides a good return of investment unto 12.82% with Put option which is a unique feature in this issue. There is no deduction of rate of interest if the investor exercises put option. special features of additional interest to Women, senior citizens and ex-servicemen is provided. I would advise the Investors to invest in the public issue.