Nagpur, Maharashtra
Our Services

Consultancy & Advisory forCredit Co-operative Societies

Eight service areas covering the full life of a co-operative credit institution — registration and bye-laws, statutory compliance and audit, NPA recovery, fund planning, digitisation, training and award support.

Full Scope of Work

Pick one area, or hand us the whole picture

Societies come to us with a single pressing problem — an audit objection, a recovery backlog, a software decision. Most stay for the wider work once the first one is closed. Every service below can be taken on its own or as part of a continuing retainer.

01

Society Formation & Registration

पतसंस्था नोंदणी

Complete hand-holding to bring a new credit co-operative society into legal existence — correctly structured from day one.

What this includes

  • Feasibility guidance and area-of-operation planning
  • Name reservation and Registrar application filing
  • Bye-law drafting, amendment and approval
  • Share capital and membership structuring
  • Multi-State Co-operative Society (MSCS) registration
  • Branch and extension counter approvals
02

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.

What this includes

  • Annual returns and Registrar filings
  • AGM, SGM and board meeting documentation
  • Statutory registers and record maintenance
  • Election process and board constitution support
  • Audit rectification report (दोष दुरुस्ती अहवाल)
  • Registrar / RCS correspondence and representation
03

Audit, Accounts & Internal Control

लेखापरीक्षण व लेखा

Books that stand up to scrutiny, and internal controls that catch problems before the auditor does.

What this includes

  • Accounts finalisation, Balance Sheet and P&L
  • Internal and concurrent audit systems
  • Statutory audit coordination and query resolution
  • Audit classification improvement towards 'A' grade
  • Income recognition and provisioning norms
  • Internal control and process documentation
04

NPA Management & Recovery

थकबाकी वसुली

A disciplined recovery machinery — classification, follow-up, settlement and legal action working together rather than in isolation.

What this includes

  • NPA identification, classification and provisioning
  • Recovery policy and follow-up systems
  • Section 101 recovery certificate proceedings
  • One-time settlement (OTS) policy framing
  • Legal and arbitration coordination
  • Recovery staff training and target monitoring
05

Fund & Financial Planning

आर्थिक नियोजन

Balance-sheet decisions taken on numbers rather than habit — liquidity, pricing, products and profitability.

What this includes

  • CD ratio, liquidity and cash management planning
  • Investment policy and fund deployment
  • Deposit and loan product design
  • Interest rate structuring and margin analysis
  • Profitability and cost-of-funds improvement
  • Budgeting and business projections
06

Software, MIS & Digitisation

संगणकीकरण

Move the society from registers to reliable software — chosen well, migrated safely and actually used by the staff.

What this includes

  • Society / core banking software selection
  • Implementation planning and data migration
  • MIS and management reporting formats
  • Digital ledgers, passbooks and SMS alerts
  • Data backup, access control and security practice
  • Staff hand-holding through the transition
07

Training & Capacity Building

प्रशिक्षण

Boards that understand their duties and staff who know the process — the cheapest compliance investment a society can make.

What this includes

  • Director and board-of-management training
  • Statutory duties and governance workshops
  • Branch and counter staff process training
  • Member financial literacy programmes
  • Recovery and credit appraisal skills
  • Customised in-house sessions at your premises
08

Awards & Recognition Support

सहकार भूषण पुरस्कार

Documentation and presentation support for societies pursuing Government co-operative awards, including Sahakar Bhushan.

What this includes

  • Eligibility review and gap assessment
  • Performance data compilation and validation
  • Application dossier preparation
  • Presentation design and rehearsal
  • Committee interaction preparation
  • Post-award positioning and communication

Not sure where to start?

Tell us the problem and we'll tell you which service fits.

Send an Enquiry
प्रत्यक्ष कामकाजातील मदत

Where the work actually lands, week to week

विकासात्मक प्रगती

Developmental progress

  • जोखीम विश्लेषण, लेखापरीक्षण बुद्धिमत्ताRisk analysis and audit intelligence
  • कर्जदारासंबंधी माहिती सामायीक करणेSharing borrower information across the system
  • व्यक्ती एक – कर्ज अनेक शोधन, अनियमित कर्जदाराची ओळखDetecting one-borrower-many-loans cases and identifying irregular borrowers
  • कर्ज वसुली तणाव व एन.पी.ए. बाबत जलद व्यवस्थापनRapid handling of recovery stress and NPAs
  • सहमती आधारित सुरक्षित डाटा शेअरिंगConsent-based, secure data sharing

स्वच्छ ऑडिट व सक्षम प्रशासन

Clean audit & capable administration

  • अंतर्गत आणि वैधानिक ऑडिटसाठी मदतSupport for internal and statutory audit
  • मासिक व वार्षिक सभेकरिता कामकाजात मदतAssistance with monthly and annual general meeting proceedings
  • मंजूर उपविधीनुसार संस्थेचे धोरण निश्चितीSetting society policy in line with the approved by-laws
  • थकित कर्जाचे वेळीच विश्लेषण आणि फसवणूक रोखण्यास मदत — कमीत कमी व्यावसायिक जोखीमTimely analysis of overdue loans and fraud prevention — minimum business risk
  • प्रशिक्षित कर्मचारी निवडण्यास मदत व त्यांची पदोन्नती व प्रामाणिकता ठरविण्यात मदतHelp selecting trained staff and assessing their promotion and integrity
  • कार्यरत कर्मचाऱ्यांना विशेष प्रशिक्षण देऊन कार्यक्षमता वाढविण्यात मदतSpecialised training to raise the effectiveness of serving staff

परिणाम : योग्य पदासाठी योग्य व्यक्ती, नियमांचे पालन व कमीत कमी व्यावसायिक जोखीम.Result: the right person in the right post, rules followed, and business risk kept to a minimum.

Consultancy चे नियोजन

How the retainer works

This is not advice delivered by email. The engagement is built around being physically present at your society each month.

  1. 1दर माह पत संस्थेला भेट देऊन संचालक मंडळ व कर्मचारी यांच्यात समन्वय साधून पत संस्थेचे धोरण निश्चित केले जाईल.A monthly visit to the society, coordinating between the board and the staff to settle the society's policy.
  2. 2संस्थेच्या व्यवसायाचा व्याप पाहता दर माह १ किंवा २ दिवस पूर्ण वेळ संस्थेला प्रत्यक्ष भेट देऊन मार्गदर्शन करण्यात येईल.Depending on the scale of the business, one or two full days of on-site guidance every month.
  3. 3अत्यल्प मासिक शुल्कात ही सुविधा आपणास पुरविण्यात येईल.Provided to you at a modest monthly retainer.

The monthly retainer is set against the size of your society — ask us for the current figure.

आमचा संकल्प

Our resolve

Three commitments we hold to on every engagement, whatever the size of the society.

नियोजनबद्ध लेखापरीक्षण आणि अचूक हिशेब तपासणीPlanned audit and accurate verification of accounts
व्यावसायिक धोरणांची प्रभावी अंमलबजावणीEffective implementation of business policy
वित्तीय शिस्त आणि संख्यात्मक व गुणात्मक वाढीसाठी तज्ञ मार्गदर्शनExpert guidance for financial discipline and both quantitative and qualitative growth
See our ideal financial benchmarks

Free First Discussion

Schedule a meeting with us

Pick a date and time that suits your board. We will confirm by phone, and come prepared with the questions we need answered to assess your society's position.

Everything you share is treated as confidential.

Meeting request

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