SMBG (Sahayog Mahila Bachat Gat) empowers rural women to save regularly, access microloans, and gain financial independence through collective financial practices. It promotes group accountability, economic resilience, and self-reliance.

You can join an SMBG through a registered Swayam Sevika in your village or by visiting the nearest Sahayog branch to start your group account.

Sahayog offers up to 8% interest on recurring deposit (RD) accounts linked to SMBG, depending on the deposit tenure and product type.

The Daily Deposit Scheme (DDS) can be started with as little as ₹ 50 per day, collected at your doorstep by a Sahayog agent or Sevika.

You can open a savings account by visiting your nearest Sahayog branch or registering through a field officer or Swayam Sevika. Standard KYC documents such as Aadhaar, Voter ID, or PAN are required.

Yes, Sahayog Multistate is a registered cooperative society under the Ministry of Cooperation, Government of India, and follows transparent, regulated financial practices.

A Joint Liability Loan (JLL) is a group-based microloan where 7 to 10 women borrow together and collectively support each other in repayments. This model encourages financial discipline and social support among members.

Under the Sahayog Women Entrepreneur Empowerment Scheme (SWEES), loans and training are offered to women-led businesses such as tailoring, grocery stores, farming, dairy activities, beauty parlours, and other micro-enterprises.

Swayam Sevika: Women who are 10th or 12th pass, respected in their communities, and committed to social upliftment. BDO: Candidates with a graduate degree and strong communication skills are preferred.

Yes, while Sahayog prioritizes women's financial empowerment, men can also open savings and fixed deposit accounts and access loan services through standard cooperative financial procedures.

Yes. Sahayog Multistate Credit Co-operative Society Ltd. is a legally registered Multi-State Co-operative Society under the provisions of the Multi-State Co-operative Societies Act, 2002, and operates in accordance with the rules and regulations framed under the Act. The Society is governed by the office of the Central Registrar of Co-operative Societies (CRCS), Government of India, and follows all applicable statutory and regulatory requirements.

A Multi-State Credit Co-operative Society is a member-owned financial cooperative, whereas a bank is a banking institution regulated under banking laws.

Key Differences

• Ownership: A co-operative society is owned by its members, while banks are owned by shareholders or the government.
• Objective: Co-operatives focus on member welfare, financial inclusion, and community development, whereas banks primarily operate as commercial financial institutions.
• Regulation: Multi-State Credit Co-operative Societies are registered under the Multi-State Co-operative Societies Act, 2002 and regulated by the Central Registrar of Co-operative Societies (CRCS). Banks are regulated by the Reserve Bank of India (RBI) under banking laws.
• Services: Credit co-operatives provide savings, deposits, loans, and other member-centric financial services in accordance with applicable laws and their bye-laws.

To open an account with Sahayog Multistate, you will generally need the following documents:

• A duly filled Account Opening Form.
• Proof of Identity (KYC): Aadhaar Card, PAN Card, Passport, Voter ID, or Driving Licence.
• Proof of Address: Aadhaar Card, Passport, Driving Licence, Utility Bill, or any other valid address proof.
• PAN Card (or Form 60, wherever applicable).
• Recent passport-size photographs.
• Mobile number and email address (if available).
• Any additional documents required based on the type of account or as per applicable regulatory guidelines.

Note: Documentation requirements may vary depending on the type of account and prevailing regulatory norms. Please visit your nearest Sahayog Multistate branch or contact our customer support for the latest requirements.