Since then Nagarathnamma has taken 7 group loans and 1 individual livestock loan now. She says Ujjivan has helped her in every of walk of her life since she joined. Her husband is a farmer. She helps him in the farm. They have their own land where she has rose and marigold. Flower prices increase during festivals and come down in off season. She always took loan from Ujjivan during this off season. She always felt proud to support her husband with the loan from Ujjivan when he most needed that financial support. They always had 4 to 5 cows at their farm. With Ujjivan introducing a higher ticket size livestock loan she bought 2 more Holstein Friesian cows. She received Rs. 75,000 from Ujjivan. With milk yield from this additional animal her customer base has increased. Her son has now bought a moped to supply milk to dairy and neighboring houses. She now plans to take a higher ticket size secured business loan to buy additional cattle and milking machine.