The process of Loan Disbursement and Repayment in JLG model of microfinance, which was primarily entirely cash based has currently undergone a transformation, due to the mobile and digital technology. Whereas in the traditional model loans were disbursed in Cash at the local MFI branch and in some cases at the JLG Center, now the same is getting credited directly to the bank account of the customers primarily through NEFT/IMPS (thanks to the PMJDY scheme under which majority of these customers have opened their bank accounts).