Regd. No: COOP/2020/KARAULI/CoS/200011 • Est. 07 Sept 2020

Your Trusted Partner
in Financial Growth

विनायक माइक्रो फाइनेंस सहकारी समिति लिमिटेड — आपकी आर्थिक प्रगति का विश्वसनीय साथी

Empowering local businesses and families in Hindaun City with affordable loans, secure deposits, and transparent financial services — registered under the Rajasthan Co-operative Societies Act, 2001.

5+
Years of Trust
500+
Happy Members
₹2Cr+
Loans Disbursed
100%
Govt Regulated
🛡️
Section 6, Rajasthan
Co-operative Societies Act, 2001
📋
Transparent Rates
No Hidden Charges
🏦
Safe & Secure
Computerised ERP System
Quick Processing
Same-Day Disbursement
📱
Digital Banking
Online Member Portal

Building Financial Strength
for Our Community

🕉️
🏛️
Vinayak Micro Finance
Sahakari Samiti Limited
COOP/2020/KARAULI/CoS/200011

Vinayak Micro Finance Sahakari Samiti Limited was registered on 7th September 2020 under Section 6 of the Rajasthan Co-operative Societies Act, 2001, bearing Registration Number COOP/2020/KARAULI/CoS/200011.

Founded with a clear mission to bring affordable and accessible financial services to the people of Hindaun City and surrounding areas of District Karauli, Rajasthan. We operate with full regulatory compliance and democratic governance.

हम स्थानीय व्यापारियों, किसानों और परिवारों को किफायती ऋण, सुरक्षित जमा योजनाएं और पारदर्शी वित्तीय सेवाएं प्रदान करते हैं। प्रत्येक सदस्य की आवाज़ है, प्रत्येक लेन-देन पारदर्शी है।

🎯

Our Mission

Financial inclusion for every family — credit access where traditional banks hesitate.

🤝

Cooperative Values

Member-owned, democratically governed, committed to community upliftment.

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Safe & Audited

Government-regulated with computerised ERP accounting and regular audits.

Financial Solutions for Every Need

From loans for business growth to safe deposit schemes — products designed for the real needs of our community.

💼

Personal Loan

From 12% p.a.

Quick personal loans for medical emergencies, education, home repairs, and personal needs with minimal documentation.

  • Loan up to ₹2,00,000
  • Flexible EMI: 6 to 36 months
  • No collateral required
  • Same-day disbursement
🏪

Business Loan

From 14% p.a.

Fuel your business growth with affordable working capital. Ideal for shopkeepers, traders, and SMEs in Hindaun.

  • Loan up to ₹5,00,000
  • Tenure up to 48 months
  • Two guarantors required
  • Doorstep EMI collection
🥇

Gold Loan

From 9% p.a.

Unlock the value of your gold jewellery with our lowest-interest loan. Secure vault storage with insurance.

  • Up to 75% of gold value
  • Interest-only EMI option
  • Insured vault storage
  • Instant disbursement
🔐

Fixed Deposit — Monthly Interest

Up to 9% p.a.

Earn monthly interest on your FD — ideal for senior citizens and those who need regular income from their savings.

  • Tenure: 6 months to 5 years
  • Monthly interest payout to bank
  • Senior citizen bonus: +0.5%
  • Loan against FD available
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Fixed Deposit — Yearly / Cumulative

Up to 9.5% p.a.

Maximize returns by compounding annually. Interest accumulates and is paid at maturity along with principal.

  • Higher rate for yearly option
  • Auto-renewal facility
  • Nomination facility
  • TDS as per IT rules
🛡️

Why FD With Us?

Government Regulated

Your deposits are safe with a registered cooperative society. Higher rates than most banks with full transparency.

  • Regd. cooperative society
  • Rates higher than most banks
  • Computerised FD Bond certificates
  • Premature withdrawal allowed
📅

Recurring Deposit (RD)

Up to 8% p.a.

Build your savings with affordable monthly installments. A disciplined way to save for your goals.

  • Start from ₹100/month
  • 12 to 60 month plans
  • Loan eligibility on RD balance
  • Maturity bonus for regular payers
🚪

Daily Deposit (Pigmy)

Doorstep Collection

Our agents collect your daily savings at your doorstep — perfect for shopkeepers, vendors, and daily earners.

  • Start with just ₹50/day
  • Daily doorstep collection by agent
  • Monthly passbook update
  • Withdraw anytime after 3 months
🎯

Benefits of Small Savings

₹50/day = ₹1.5L/year

Small daily deposits add up quickly. Regular savings habit builds financial security for your family's future.

  • No minimum balance penalty
  • Earns interest on balance
  • Builds loan eligibility
  • Safe & transparent
💰

Savings Account

4% p.a.

Every member gets a savings account on joining. Earn interest while keeping your money accessible anytime.

  • Zero minimum balance
  • Passbook with full statement
  • Withdraw anytime at branch
  • Quarterly interest credit
📖

Membership Benefits

Share Capital: ₹200

Become a member by purchasing share capital. All members are part-owners of the cooperative with voting rights.

  • One-time ₹200 share capital
  • ₹10 entrance fee
  • Access to all loan products
  • Dividend on shares (if declared)
📱

Digital Banking

Member Portal LIVE ✓

Access your accounts online through our modern Member Portal. Make payments, transfers, and view complete history from your phone.

  • Online account access via portal
  • Pay EMI / RD via Razorpay UPI
  • Transfer between accounts
  • Computer-generated passbooks

Start Your Application

Fill in the form below and our team will contact you within 24 hours. No commitment — just an enquiry.

Why Apply With Us?

Whether you need a loan, want to open an FD, or start saving daily — we make the process simple, transparent, and quick.

📞 Callback within 24 hours
📋 Minimal documentation
🏠 Doorstep service available
Same-day loan disbursement
🔒 Your data is safe — no spam

📝 Enquiry Form

Your information is safe with us. We will never share your details with third parties.
This is an enquiry form — no commitment or charges.

Member Portal — Ab Apne Phone Se

Our members can now access their accounts, make payments, and transfer funds — anytime, anywhere through our secure online portal.

📊

Account Dashboard

View your Savings, Loan, RD, FD balances and complete transaction history in one place.

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Internal Transfer

Transfer from Savings to Loan EMI, RD installment, or FD — instantly with auto-voucher generation.

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Online Payment

Pay EMI, RD installments via Razorpay — UPI, Net Banking, Debit/Credit Card supported.

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Bank Transfer

Request transfer to any bank account from your Savings — processed securely within 24 hours.

👤 Member Login →

पहली बार? Branch से अपना App Access enable करवाएं। Mobile number से WhatsApp OTP login होगा।

We're Growing Across Karauli

Our network is expanding to bring cooperative banking closer to your neighbourhood.

🏢

Head Office — Hindaun City

Our main office is located in Hindaun City, District Karauli, Rajasthan. Visit us during office hours for all services.

🔜 NEW BRANCHES — COMING SOON

We are planning to open new branches in nearby locations across Karauli district.
Stay tuned for updates on our expansion.

Visit Our Office

Walk in during office hours or call us. We're here for all your financial needs.

📍

Head Office Address

Vinayak Micro Finance Sahakari Samiti Ltd.
Mahwa Road Near Dagur Hospital,
Hindaun City, District Karauli
Rajasthan — 322230

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✉️

🕐 Office Hours

Monday — Saturday: 10:00 AM — 5:00 PM
Sunday: Closed
Public Holidays: As per Rajasthan Government calendar