Nilima Roy is a customer of the Siliguri Branch. Her husband is Uttam Roy. They have one son and a daughter. She lives in Shanti Para, Bhakti Nagar, Siliguri. She has used loans for making Agarbatti – a small business she is running for the past three years. Both Nilima and her husband are involved in this business. Her first VFS loan was of Rs. 20,000. Now she has taken a loan of Rs. 30,000. These two loans have immensely helped her business, which she runs from her house. Her son is in BA final year and her daughter goes to Class VII. Both are very good students. Nilima Roy wants to take more loans from VFS.