Portfolio surpassed Rs.42 Crore || Twenty-sixth Branch of BJS at Kuchilibari in Cooch behar district || We have reached at our sixth district at Darjeeling || The Official Logo changed || More than 36,000 active members. || Sixteen Financial Partners. || Nine Public Sector Banks as Financial Partners. || CoCA Grade “M4C2” || Rating Grade “MFI 3+”

Our Philosophy

Our Vision

To build a happy and prosperous society through the overall development of people especially women and children with their active participation and full strength.

Our Mission

To ensure economic empowerment of under privileged women through providing microfinance services including credit, education and health.

Values We Treasure - POLITE

P - Privacy of Client Information

O - Outstanding Quality of Service

L - Loyal in Fair Practice

I - Integrating Social Values into Operations

T - Transparency

E - Effective Feedback Mechanism

Our Objectives

Client Objectives:

  • To empower poor women socially and financially through community participation
  • To promote gender sensitivity and eliminate gender discrimination

Organizational Objectives:

  • To establish a sustainable organization this will continue to promote a healthy social development sector.
  • To reduce exploitation through direct and indirect advocacy strategies.


  • To conduct research cum study on different socio-economic issues of the society.
  • To organize training on leadership and skill development, planning, monitoring and evaluation issues.
  • To organize health camp, health check-up for community people
  • To create opportunities for the people to become self employed which help them to overcome the poor economical problem and they become self-reliant.
  • To organize microcredit programme for poor women, through self-help groups.

News Update

Our Achievements

As on 30th November 2018
No. of Branches : 26
No. of Districts : 6
No. of Blocks : 47
Total Staff Strength : 150
No. of Frontline Staff : 91
No. of Active Groups : 2,266
No. of Active Members : 31,691
No. of Active Borrowers : 26,321
Cummulative Loan Disbursed (in Lakhs) : 31,690.76
Loan Portfolio (in Lakhs) : 4,110.04
Average Loan Size on outstanding : 15,615
On time Repayment Rate : 99.92%
Amt. of Loans Outstanding per Credit Officer : 43.72

Where We Work