Empowering Communities with Citizen Cooperative Services

Mr. SUBODH KUMAR

Mr. SUBODH KUMAR

(DIRECTOR)

Mr. Subodh Kumar worked with NBFC & has over 20 years. of experience in the administration of the financial Sector.

Email: subodh.kumar@citizencooperative.in

Smt MEERA SINHA

Smt. MEERA SINHA

Smt. MEERA SINHA

(CEO)

Smt. Meera Sinha is a financial consultant with over 25 years. of experience. She holds a master’s in Sociology from Patna University. Her interest & work area have been social work & spiritual wellbeing.

Email: ceo@citizencooperative.in

Sri R.N.SINGH

Sri R.N. SINGH

(CHAIRMAN)

Sri Ram Naresh Singh is a retired engineer with more than 45 years. of experience in projects & implementation in various govt. dept.

Email: chairman@citizencooperative.in

Mr. SANTOSH KR. SRIVASTAVA

Mr. SANTOSH KR. SRIVASTAVA

(SECRETARY)

Mr. Santosh Srivastav is a leading investment consultant with over 35 years. of financial service experience & has impeccable social standing in society.

Email: secretary@citizencooperative.in

Social Works:

Food Distribution: Providing meals to the homeless or low-income families.
Clothing Drives: Collecting and distributing clothes to those in need.
Mental Health Awareness Programs: Providing counseling or conducting awareness campaigns.

Smt. SUSHMA KUMARI

Smt. SUSHMA KUMARI

(CHAIRMAN)

Smt Sushma Kumari is a housewife with interest in women empowerment.

Email: shushma.kumari@citizencooperative.in

Smt. SARITA PRASAD

Sarita Prasad

Smt. SARITA PRASAD

(DIRECTOR)

Sarita Prasad is a social worker.

Email: sarita.prasad@citizencooperative.in

Mr. SANJAY KUMAR MISHRA

Mr. SANJAY KUMAR MISHRA

(Director)

He is also the Director of Bihar State Co-operative Federation Ltd. He has more than 25 Years in the Share Broking & Financial Sector & Corporate Sector.

Email: sanjay.mishra@citizencooperative.in

Mr. SUDARSAN SINGH

Mr. SUDARSAN SINGH (Director)

Mr. Sudarshan Singh worked with NBFC & has over 30 years of experience in the administration of financial offices.

Equal and Even Participation

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.

Co-operative Solutions

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.

Disposal of Surplus

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.

Democratic

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.

Open and Voluntary Membership

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.

INSURANCE POLICY

Secure Your Future with Our Trusted Insurance Schemes

Life is full of uncertainties, but your financial future doesn’t have to be. Our Insurance Schemes are designed to provide you and your loved ones with peace of mind, financial security, and support when it’s needed the most. Whether it’s safeguarding your health, life, or valuable assets—insurance is not just a plan, it’s a promise of protection.

Why Insurance is Essential

Unexpected events like illness, accidents, or financial loss can have a serious impact on your life and savings. Insurance acts as a protective shield, helping you handle these challenges without draining your finances. From covering medical expenses to offering financial aid in emergencies or loss of income, insurance is a smart step toward long-term stability.

Our insurance offerings are tailored to meet your individual needs, no matter your age, profession, or stage of life.

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SAVING-ACCOUNT

Secure Your Future with a Smart Saving Account

A Savings Account is more than just a place to park your money—it’s the first step towards building a financially secure future. Whether you’re saving for unexpected expenses, a big purchase, or simply cultivating a habit of disciplined saving, a well-structured saving account is your financial safety net.

Designed for simplicity, accessibility, and long-term growth, our savings account options are tailored to meet the everyday banking needs of individuals, families, and small businesses across all income levels. Backed by a reliable system and user-friendly interface, opening and managing your savings has never been this easy.

SAVING ACCOUNTS – 6 % Yearly (Simple INTEREST)

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DEPOSIT SCHEMES

When it comes to building a secure financial future, smart saving is key. Our Deposit Schemes are crafted to help you grow your money steadily and securely while offering complete flexibility and peace of mind.
Whether you’re planning for short-term needs or long-term goals like children’s education, a new home, or retirement, we have the right deposit solution tailored to your lifestyle and earning pattern.

The daily deposit scheme, also popularly called as pigmy deposit facilities collection of deposit at door step through authorized collectors of the organization on a daily basis. Minimum amount 10.00 Rs. or multiple of 10.00 Rs.

Daily deposit tenure is available in 12 months, 24 months, 36 months giving returns of 4.0%, 5.0%, 6.0% per annum respectively.

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RECURRING DEPOSIT

Looking for a disciplined and reliable way to save money every month? Our Recurring Deposit (RD) is the perfect solution for individuals who want to grow their savings steadily without financial strain. Whether you’re saving for your child’s education, a family vacation, or just building a safety net, RD helps turn small monthly savings into a sizable corpus over time.

Recurring Deposit is a product where you have to deposit money every month to get a cumulative return at the end of the tenure.

RD products are available for tenures ranging from 12 months to 60 months, offering returns of 7.5%, 8.0%, 9.0%, 9.25%, and 9.50% per Year, respectively.

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EDUCATION LOAN

Invest in a Brighter Future with Our Education Loan

Quality education opens the door to limitless opportunities, but rising academic costs often create barriers. Our Education Loan is designed to bridge that gap, helping students pursue their dreams without financial stress. Whether it’s higher studies in India or abroad, this loan supports tuition fees, living expenses, books, and more.

We believe that no dream should be left behind due to a lack of funds.

Why Choose an Education Loan?

Education is one of the most rewarding investments in life. However, costs like course fees, accommodation, travel, and supplies can add up quickly. An education loan gives you the financial freedom to focus on learning, not worrying about expenses.

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HOUSING ADVISORY

Expert Housing Advisory for Your Dream Home

Buying a home is more than just a financial decision—it’s a milestone in your life. Whether you’re a first-time buyer, a family looking to upgrade, or someone planning a retirement haven, our Housing Advisory Services are here to guide you every step of the way.

From choosing the right property to understanding legal procedures and financing options, our team provides personalized support to help you make informed and confident decisions.

What is Housing Advisory?

A housing advisory service acts as your personal guide in the home-buying or renting journey. We assist you in evaluating properties, understanding market trends, checking legal compliance, and ensuring your housing decision matches both your financial goals and lifestyle needs.

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Our mission

Open and voluntary

Open and Voluntary

Democratic

Democratic

Disposal of surplus

Disposal of Surplus

Co-operative

Co-operative

Equal and even participation

Equal and Even Participation

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