Sector Focus
We work only with co-operative credit institutions, so the advice fits the Act, the Registrar and the ground reality.
SN Co-Operative Consultancy & Advisory
Ideology for Growth of Credit Society
Who We Are
Consultancy built around the credit co-operative society
चला घडवूया पतसंस्थेची आर्थिक साक्षरता…
SN Co-Operative Consultancy & Advisory, a unit of Pat-Sanchay Solution and Services Pvt. Ltd., advises credit co-operative societies (पतसंस्था), multi-state credit societies and urban co-operative credit institutions across Maharashtra.
Our work spans the full life of a society — formation and registration, bye-laws, statutory compliance and audit support, NPA control and recovery, fund and investment planning, software and MIS, and training for directors, staff and members.
The approach is deliberately practical. We sit with your board, read your books, and put in place systems your team can actually run — so governance improves, audit classification improves, and members keep their confidence in the institution.
Society RegistrationBye-law Drafting & AmendmentAudit & Rectification SupportNPA & Recovery AdvisoryFund & Investment PlanningSoftware, MIS & Digitisation
Compliance First
Bye-laws, statutory records, audit rectification and Registrar correspondence handled with discipline.
Financial Discipline
NPA control, recovery systems, fund planning and product structuring that protect member confidence.
Capacity Building
Board and staff training plus member financial literacy — so improvement outlasts the engagement.
सहकारी संस्थांसमोरील आव्हाने
The pressures every credit society is feeling
Most boards recognise several of these at once. Left alone they compound — which is precisely why they are worth naming before they reach the audit report.
आव्हाने
The challenges
- सहकारी नियम आणि कायदेशीर पुर्ततेचा वाढता तापMounting pressure of co-operative rules and statutory compliance
- कामाच्या जुन्या व पारंपारिक पद्धतीOld and traditional ways of working
- कर्ज वितरणापुर्वी सभासदांची पुरेशी माहिती उपलब्ध नसणेInadequate member information before a loan is disbursed
- माहितीच्या अभावामुळे वाढते थकित कर्जाचे प्रमाणRising overdue loans caused by that information gap
- प्रशिक्षित कर्मचारी मिळविणे व ते टिकवण्यात येणाऱ्या अडचणीDifficulty in recruiting and retaining trained staff
- ऑडिट आणि रिपोर्टिंगच्या कामकाजाचा व्यवस्थापनावर येणारा अतिरिक्त भारExtra burden that audit and reporting work places on management
- विविध सहकारी स्पर्धेत सहभागी न होण्याचा कमीपणाMissing out by not participating in co-operative sector competitions
परिणाम : त्यामुळे संस्थेची स्थैर्यता, पारदर्शकता व व्यवसाय कमी होऊन जोखीम वाढते.Result: stability, transparency and business all decline — while risk rises.
क्षेत्रातील सखोल अनुभवातून प्रत्यक्ष मदत
Hands-on legal and technical help
- तंत्रज्ञानाचे सक्षमीकरणEmpowerment through technology
- ऑडिट आणि प्रशासन विभागाची कायदेशीर पुर्तताStatutory compliance for the audit and administration functions
- संस्थेतील कर्मचाऱ्यांना प्रशिक्षित करणे — जलद निर्णय प्रक्रिया, सुरक्षित व पारदर्शक आर्थिक व्यवहारTraining society staff — faster decisions, secure and transparent financial dealings
परिणाम : सभासदांचा वाढता विश्वास व संस्थेची जलद आर्थिक प्रगती.Result: growing member confidence and rapid financial progress for the society.
संस्थेला मिळणारे फायदे
What the society gains
What We Do
Everything a credit society needs, from one desk
Eight service areas that cover the full life of a co-operative credit institution — set it up correctly, keep it compliant, keep it financially sound, and build the people who run it.
Society Formation & Registration
पतसंस्था नोंदणी
Complete hand-holding to bring a new credit co-operative society into legal existence — correctly structured from day one.
- Feasibility guidance and area-of-operation planning
- Name reservation and Registrar application filing
- Bye-law drafting, amendment and approval
Statutory Compliance & Secretarial
वैधानिक अनुपालन
Keep the society statutorily clean under the Maharashtra Co-operative Societies Act and the MSCS Act — with nothing left to the last date.
- Annual returns and Registrar filings
- AGM, SGM and board meeting documentation
- Statutory registers and record maintenance
Audit, Accounts & Internal Control
लेखापरीक्षण व लेखा
Books that stand up to scrutiny, and internal controls that catch problems before the auditor does.
- Accounts finalisation, Balance Sheet and P&L
- Internal and concurrent audit systems
- Statutory audit coordination and query resolution
NPA Management & Recovery
थकबाकी वसुली
A disciplined recovery machinery — classification, follow-up, settlement and legal action working together rather than in isolation.
- NPA identification, classification and provisioning
- Recovery policy and follow-up systems
- Section 101 recovery certificate proceedings
Fund & Financial Planning
आर्थिक नियोजन
Balance-sheet decisions taken on numbers rather than habit — liquidity, pricing, products and profitability.
- CD ratio, liquidity and cash management planning
- Investment policy and fund deployment
- Deposit and loan product design
Software, MIS & Digitisation
संगणकीकरण
Move the society from registers to reliable software — chosen well, migrated safely and actually used by the staff.
- Society / core banking software selection
- Implementation planning and data migration
- MIS and management reporting formats
Training & Capacity Building
प्रशिक्षण
Boards that understand their duties and staff who know the process — the cheapest compliance investment a society can make.
- Director and board-of-management training
- Statutory duties and governance workshops
- Branch and counter staff process training
Awards & Recognition Support
सहकार भूषण पुरस्कार
Documentation and presentation support for societies pursuing Government co-operative awards, including Sahakar Bhushan.
- Eligibility review and gap assessment
- Performance data compilation and validation
- Application dossier preparation
संगणकीकरण · Technology
Software and a website, specified for a co-operative
Four systems every society eventually needs. We write the requirement and advise the board; our technology partner Automechano Technologies builds, deploys and supports them.
Technology delivery partner
Credit Society Software
पतसंस्था संगणक प्रणाली
Choosing core software is a decision a society lives with for a decade. We write the requirement, our partner builds against it, and we stay through migration and staff training.
- Members, deposits, loans, recovery and accounts
- Reports in the Registrar's prescribed format
- Reconciled migration from registers or old software
- Go-live support through the first audit
Member Mobile App
सभासद मोबाईल ॲप
Balances, statements and certificates in the member's hand — plus a collection app so agents can capture pigmy deposits at the doorstep, even without a network.
- Account balances, mini statement and passbook
- Loan and deposit requests raised from the phone
- Interest certificates and TDS downloads
- Offline-capable agent collection with receipts
Loan Request & Processing
कर्ज मागणी व प्रक्रिया
A structured loan journey that closes the two gaps our brochure names — incomplete borrower information, and one member quietly holding several loans.
- Guided application with document capture
- Automatic duplicate-borrower detection
- Appraisal worksheet and committee workflow
- Sanction, disbursement and NPA follow-up
Website Development
संस्थेचे संकेतस्थळ
Members compare societies on a phone before they place a deposit. A Marathi-first site puts your board, schemes, rates and notices where they are looking.
- Marathi-first and mobile-first by design
- Interest rates and schemes your staff can update
- AGM notices and downloadable forms
- Domain, hosting, SSL and Google listing handled
Why Societies Choose Us
Advice that ends in action, not a report on a shelf
We take on a limited number of societies at a time so each board gets real attention — from the first diagnostic visit through to the audit that proves the change worked.
Single-Sector Specialists
Co-operative credit is not a side practice for us. Every recommendation is framed within the Co-operative Societies Act, Registrar practice and audit norms.
Compliance You Can Defend
Records, registers, returns and rectification handled so that an audit or Registrar inspection holds no surprises for your board.
Measurable Financial Gains
Work is targeted at outcomes a board can see — lower NPAs, better audit class, healthier CD ratio and improved margins.
Board-Level Engagement
We sit with directors and the chief executive, not just the accountant, so decisions get taken and implemented, not deferred.
Practical, Not Theoretical
Systems are designed for the staff you actually have — simple formats, clear responsibility and a review rhythm that survives.
Confidentiality by Default
Member data, loan records and board matters are handled with the discretion a financial institution is entitled to expect.
On-Ground in Vidarbha
Based in Nagpur with working familiarity across Maharashtra — on-site visits, not advice delivered only over email.
Recognition Support
Sahakar Bhushan Award
Successful presentation experience for working societies pursuing the Government's co-operative award.
How We Engage
Four steps from first meeting to measurable change
No long proposals before we understand your society. The first discussion costs nothing and usually tells a board more than a month of internal debate.
Discussion
A no-obligation conversation with the chairman, board or chief executive to understand where the society stands and what is hurting.
Diagnostic Review
We examine bye-laws, statutory records, the last audit report, NPA position and financials to establish the real gaps.
Action Plan
A written, prioritised plan with owners and dates — separating what must be fixed before the next audit from what can follow.
Implementation & Review
We work alongside your staff to put the systems in, then review at agreed intervals so the improvement actually holds.
सहकार विचार · Knowledge Posts
Short reads for boards and staff
Practical notes from the co-operative sector — the kind of thing worth reading out at the start of a board meeting.
“
ज्ञान व प्रशिक्षण
संस्थेची तिजोरी भरायची असेल… तर आधी ज्ञानाची तिजोरी भरा!
Fill the treasury of knowledge before the treasury of cash — a society is built by what its people know.
- 1तिजोरीतील पैसा फक्त व्यवहार चालवतो, पण कर्मचाऱ्यांचे ज्ञान पतसंस्थेचे ‘साम्राज्य’ उभे करते.
- 2नुसते पैशांचे ढीग मोजून संस्था मोठी होत नाही, तर पुस्तकांची पाने उलटून बुद्धी वाढवावी लागते.
- 3‘पासबुक’ आणि ‘कॅश’ अपडेट ठेवण्यासोबतच, रोज वाचन करून स्वतःचे ज्ञान अपडेट ठेवणे गरजेचे आहे.
- 4संकट आल्यावर नियम शोधण्यापेक्षा, रोज १५ मिनिटे वाचून स्वतःला आधीच सक्षम बनवणे हेच खरे शहाणपण!
- 5मोबाईलमधील रील्स पाहणे थांबवा आणि पुस्तके वाचा; कारण बँक नियमाने चालते आणि माणूस ज्ञानाने!
मंअतिथी लेख
Training & capacity buildingश्री मंगेश देहेडकर
सहकार प्रशिक्षक, कन्सल्टंट व लेखक
“
वसुली व एन.पी.ए.
थकबाकी एका दिवसात वाढत नाही — ती दुर्लक्षाच्या सवयीने वाढते!
Overdues never appear overnight. They grow out of a habit of postponement — and the cure is a follow-up routine, not a rescue plan.
- 1कर्ज मंजुरीच्या दिवशीच वसुलीची सुरुवात होते; सभासदाची पूर्ण माहिती तेव्हाच घ्या.
- 2‘व्यक्ती एक – कर्ज अनेक’ ही बाब वेळीच ओळखली नाही, तर ती संस्थेची जोखीम बनते.
- 3हप्ता चुकल्यावर पहिला संपर्क तिसऱ्या महिन्यात नको, तो तिसऱ्या दिवशी व्हायला हवा.
- 4वसुलीचा पाठपुरावा लक्षात ठेवून नव्हे, नोंदवहीत लिहून करा — तीच खरी शिस्त.
- 5कलम १०१ ही शेवटची पायरी आहे, पहिली नाही; त्याआधीचे टप्पे कधीच वगळू नका.
शे
NPA management & recoveryशेखर निमजे
सहकार सल्लागार व आर्थिक नियोजक
“
आर्थिक नियोजन
आदर्श प्रमाण म्हणजे केवळ आकडे नाहीत — ती संस्थेची शिस्त आहे!
Benchmark ratios are not arithmetic for the auditor. They are the discipline that keeps a society solvent.
- 1ठेवीवरील व्याज ५५% आणि व्यवस्थापन खर्च ३०% — हे प्रमाण ओलांडले की नफा आपोआप आटतो.
- 2ताळेबंद वर्षाच्या शेवटी नव्हे, दर महिन्याला आदर्श प्रमाणाशी ताडून पाहा.
- 3कर्ज व अग्रीम ६६% च्या वर गेले की तरलता धोक्यात येते — वाढ चांगली, पण मर्यादेत.
- 4SLR व निधी गुंतवणूक ३०% राखणे ही सुरक्षितता आहे, अडचण नाही.
- 5आकडे सांगतात संस्था कुठे आहे; निर्णय ठरवतो ती कुठे जाणार आहे.
शे
Check your ratiosशेखर निमजे
सहकार सल्लागार व आर्थिक नियोजक
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Let's Get Started
Start the Conversation
Bring us your society's toughest problem
A pending audit objection, a rising NPA figure, a bye-law that no longer fits, or a board that wants the society to grow without losing control. Tell us where it hurts — the first discussion is free and entirely confidential.