Our cooperative society follows the principle of open and voluntary membership, welcoming individuals from all walks of life who are willing to accept the responsibilities of membership. There are no social, political, religious, gender, or economic restrictions—everyone is free to join and participate. Membership is not imposed; it is a choice made freely by each individual based on mutual respect and shared values. This inclusivity ensures diversity and equal opportunity for all, creating a stronger and more unified community. Whether you are from a rural or urban background, our doors are always open to those who want to benefit from our services and contribute to the collective growth.

A democratic system is built on the principle of equal participation, where power lies with the people. In a democratic setup, every individual has the right to vote, express opinions, and contribute to decision-making processes that shape their society. It ensures transparency, accountability, and freedom of speech, fostering a culture of inclusivity and fairness. Whether in governance, organizations, or cooperative societies, democracy empowers individuals to have a voice and be heard. It promotes collective responsibility, encourages dialogue, and respects diverse viewpoints—laying the foundation for a balanced and just environment.

Disposal of Surplus refers to the distribution of excess funds or profits remaining after all expenses, provisions, and reserves have been met within a cooperative society or financial institution. These surpluses are typically allocated in accordance with the society’s by-laws and government regulations. A portion may be transferred to reserve funds for future use, while the remaining amount can be distributed among members as dividends, rebates, or patronage refunds. Proper disposal ensures transparency, financial health, and fair benefit to all stakeholders. It also supports long-term sustainability and the reinvestment of earnings into the development of the society or community projects.

A co-operative is a community-focused financial institution formed by a group of people with shared economic goals. Unlike traditional banks, co-operatives are owned and operated by their members, ensuring profits and benefits go directly back to the community. They offer essential financial services like savings, loans, fixed deposits, and insurance, especially in rural and underserved areas. Our co-operative solutions are designed to support collective growth, transparency, and member empowerment. Whether you’re a farmer, small business owner, or daily wage earner, co-operatives help build financial stability through trust, accessibility, and low-cost services. Experience banking that puts people first.

Equal and Even Participation ensures that every individual, regardless of background, gender, or ability, has a fair opportunity to contribute, express, and engage. It promotes inclusivity by valuing diverse perspectives and fostering an environment where all voices are heard and respected. Whether in a classroom, workplace, or community setting, equal participation encourages collaboration, boosts confidence, and enhances group outcomes. It’s not just about being present—it’s about being involved meaningfully. Creating space for balanced involvement leads to shared ownership, mutual respect, and a stronger, more united group dynamic.