Head office: Sunday to Friday, 9:00 am to 5:00 pm
Savings and credit run by the people of Kavre, for the people of Kavre. Member-owned since 1999, with 9 offices across Panauti, Banepa and Bethanchok.
Source: The cooperative’s published financial disclosure (unaudited), issued under Department of Cooperatives directive no. 8. Amounts in Nepali rupees.
ज्योति मिर्मिरे सामुहिकEstablished 11 July 1999 (2056 BS)
27
years with Kavre
Jyoti Mirmire Samuhik Saving and Credit Co-operative Society Ltd. was established on 11 July 1999 and registered under the Co-operative Act 2048 BS. On 3 January 2013 it amalgamated with four other SACCOS to form the cooperative you see today.
A member is a shareholder who is entitled to voice and vote in the decision-making process, regardless of the amount of their deposits and shares. The cooperative was set up for people on low incomes, to make daily life easier and better by helping them earn a living and by lending to them at low interest in a fair and orderly way. Working through community microfinance groups, we serve Panauti, Banepa, Dhulikhel and Panchkhal municipalities and Bethanchok rural municipality.
A sustainable and excellent financial cooperative.
Enhancing technology-based financial access through promoting corporate governance, participation of new generations, member satisfaction and confidence in cooperatives.
20 saving products and 20 loan products for every stage of life.
20 saving products
Twenty saving schemes for every stage of life. Interest is calculated half-yearly and capitalised into your account.
See all 20 saving productsAlso available
Interest rates are set by the board and can change. Confirm the current rate at your service center before opening an account. Since 2082 Magh 1, no cash transaction can be above Rs 5 lakh at one time: for larger amounts, use a cheque or a digital channel through a bank or financial institution.
Interest rate notice, effective from 2083 Bhadra 11Mobile banking, remittance and insurance for members.
Check balances, view statements and keep track of savings and loan repayments from your phone.
Ask your service center to activate mobile banking, then sign in with your mobile number.
Get it on Google PlayDownload on the App Store
Never share your MoFin password or one-time code with anyone. Staff will never ask for it.
Members can receive remittances through these money transfer companies.
Life and non-life, health and accidental insurance.
Jyoti Mirmire Samuhik SACCOS has always played a vital role in the social and economic development of its members. It works to develop the lifestyle, economy, social life and whole personality of its members, who live a rural way of life.
Jyoti Mirmire Samuhik SACCOS is an excellent cooperative that depends on the community. It always works for the better economic, social and cultural development of its members.
15 directors elected by members for 2081-85, and the 4 senior managers who run the cooperative day to day.
BoardUddab Sapkota
Chairman
ManagementGopal Dahal
Chief Executive Officer
BoardKanchi Maya Thapa
Deputy Chairman
BoardBuddha Singh Thapa
Secretary
BoardPurna Ram Tuladhar
Treasurer
BoardManila KC
Coordinator
BoardLokendra Kumar Sapkota
Member
BoardSurya Kumari Tamang
Member
BoardRam Prasad Timalsina
Member
BoardShova Hada
Member
BoardPabitra Sapkota Timalsina
Member
BoardSarita Giri
Member
BoardUma Thapa
Member
BoardShivaraj Shrestha
Member
BoardSabita Bajracharya
Member
BoardBhim Prasad Banjara
Member
ManagementGangadevi Shrestha
Internal Control and Account Department Head
ManagementPurushottam Dahal
Member Service Department Head
ManagementPrakash Timalsina
Information Technology and Microfinance Department Head
Photographs from general assemblies, training days, health camps and service center openings.
What members and staff have been doing together.
Still have a question?
Ask Prakash Timalsina, our information officer.
9851143653prakashjmssaccos31@gmail.com
Contact a service centerAny Nepali citizen aged 16 or over who lives permanently in our working area can become a share member by buying at least one share. The working area is Panauti, Banepa, Dhulikhel and Panchkhal municipalities and Bethanchok rural municipality of Kavrepalanchok district. Children under 16 can join as Bal Khutruke members with a guardian who is a share member. There is no discrimination by gender, religion, language or caste. Every member has an equal voice and vote regardless of the amount they hold in shares or savings.
Visit any of our nine offices with the member application form, copies of your citizenship certificate and national identity card, 4 recent photos and proof that you live in our working area. The opening amounts come to Rs 800, including one share of Rs 100. Membership is granted after the board meeting, and a saving account then opens at once, with no fee. Each saving scheme’s page gives its interest rate and its minimum saving on the rate sheet of 2083 Bhadra 11.
The head office is open Sunday to Friday, 9:00 am to 5:00 pm. To check a service center’s hours, call the center; every number is on the Branches and service centers page. Daily Saving collection continues at members’ doors through our representatives.
Yes. Members can check balances and transaction history in the MoFin app for Android and iOS. Ask your service center to activate mobile banking on your account.
Loans under Rs 3 lakh are processed at once. The Emergency Loan, up to Rs 15,000 for up to three months, is for situations such as accidents, childbirth, snake bite, fire and natural disasters. It charges no interest for the first 45 days. After that, interest is charged from the disbursement date at the Kharkhancho Loan rate, 12% a year since 2083 Bhadra 11.
Visit any of our 9 offices in Kavre and staff will guide you through share membership and account opening.
Bring the member application form, copies of your citizenship certificate and national identity card, 4 recent photos and proof that you live in our working area, such as a migration certificate or voter ID card.
Pay the opening amounts, Rs 800 in all, which include one share of Rs 100. There is no membership fee.
Your membership is granted after the board meeting.
Choose your saving scheme and open the account with its application form, a copy of your passbook or member ID card and a specimen signature card. It opens at once, with no fee.
