Credit Society & Nidhi Softwareसहकार सारथी
Complete finance software for credit societies & Nidhi companies.
From member onboarding to loan closure — automate lending, deposits, collections and compliance with an affordable, scalable platform.
Why Sahakar Sarthi
Members, loans, deposits, collections and compliance reports for credit societies, Nidhi companies and MFIs.
- Optimised for rural & urban workflows
- Custom branding & flexible deployment
- 24×7 support & compliance updates
- Scalable, reliable architecture
Who it's for
- Urban & rural credit societies
- Nidhi companies
- Microfinance institutions
- Multi-state cooperatives
Watch · 36 sec
Sahakar Sarthi – your patsanstha, fully digital
From ledgers and month-end panic to KYC onboarding in minutes, EMI reminders with UPI repayments, and loans, deposits and PAR reports in one place.
Our clientele
Trusted by 12+ credit societies and fintechs
Sahakar Sarthi – credit societies & fintech
Girnar Urban Credit Co-op Society, Nagpur
Sawata Sahakari Pratyay Sanstha, Nagpur
Jivanjyot Mahila Urban Credit Co-op Society, Mauda
Bhagatsing Nagari Sahakari Pat-Purvatha Sanstha, Umred
Mauli Navnirman Multistate Urban Credit Co-op Society, Saoner
Om Shree Ganesh Urban Credit Co-op Society, Nagpur
Morshi Urban Credit Co-op Society, Morshi
The Ramtek Mahila Urban Credit Co-op Society, Ramtek
Rajalaxmi Multistate Credit Co-op Society, Yavatmal
Aditya Anagha Multistate Co-op Credit Society- Shivam Nagari Sahakari PatsansthaNiharwani
- Swarup Fintech
Modules
Everything included
Loan management
- Individual, group, MSME & other loans
- Custom loan products
- Application → approval → disbursement
- Pre-closure and write-off
Member management
- KYC & credit assessment
- Group lending / joint liability
- Borrower history tracking
Collections & repayments
- Auto-debit, UPI & gateway
- Cash, cheque & digital
- EMI reminders & penalties
Finance & accounting
- Real-time financial tracking
- Auto P&L statements
- PAR analysis, audit-ready reports
Security & compliance
- Role-based access
- Encryption & secure transactions
- Bureau-based risk assessment
Integrations
- Credit bureau, PAN & Aadhaar
- SMS gateway
- Banking & mobile
How it works
From first click to clean books.
Step 1: Onboard member
eKYC, share capital and nominee captured in minutes.
Step 2: Sanction loan
Configurable products, bureau check and approval matrix.
Step 3: Collect EMIs
Field app, UPI, NACH or counter — auto-reconciled.
Step 4: Report & audit
Day-end, PAR, P&L and regulatory reports on demand.
FAQ
Sahakar Sarthi questions
Can we migrate from our existing software or Excel?
Yes. We migrate members, accounts, loans and opening balances, then run a parallel period before go-live.
Is there a member / agent mobile app?
Members can view balances and statements; field agents can collect EMIs with instant receipts.
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See your temple or society running on VilaSoft — in a 30-minute live demo.
We'll walk through your exact workflow, show sample reports, and share a migration plan and quote within 48 hours.