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Trusted Since Inception

Building Financial Security
for Every Indian Family

Bharosa Foundation brings affordable savings plans, recurring deposits, and responsible loan programs to communities across India.

Start Saving Today Apply for Loan
Women Empowerment

Stronger Together —
Savings Groups that Work

Join thousands of women-led self-help groups practicing collective savings, transparent record-keeping, and community responsibility.

Join a Savings Group Learn More
Recurring Deposit

Grow Your Money
with Daily Savings & RD

Our structured recurring deposit and daily savings programs offer competitive interest rates and a disciplined path to financial growth.

Explore RD Plans Try RD Calculator
Financial Inclusion

Reaching the
Last Mile — Every Corner

We bring structured financial services to rural and semi-urban communities where they are needed most, with dignity and respect.

Find Your Centre How It Works
Business Loans

Capital for Your Business.
Confidence for Your Future.

Flexible business loan programs designed to help micro-entrepreneurs grow, expand, and sustain their ventures across India.

Apply for Business Loan Talk to an Advisor
Women's savings group meeting
Field officer visiting community Woman entrepreneur at her shop
Trusted & Transparent
Our Foundation

A Community Built on
Trust, Savings & Dignity

Bharosa Foundation was established with one clear purpose: to make structured financial services accessible to every Indian family, regardless of where they live or how much they earn.

We operate through community-based centres, trained field officers, and transparent group processes that place the member at the centre of every decision. From daily savings collections to group loan disbursements, every programme is designed around accountability, dignity, and measurable community impact.

Our Vision

A financially empowered India where every household has access to safe savings and responsible credit.

Our Mission

To deliver transparent, affordable financial products through community networks, especially to women and underserved families.

How We Work Meet Our Team

Transparency

Every rupee collected and disbursed is documented and shared with members openly.

Inclusivity

We serve rural, semi-urban, and urban communities without discrimination.

Sustainability

Programmes are designed for long-term community benefit, not short-term gain.

Women First

Over 76% of our members and beneficiaries are women and women-led enterprises.

Accountability

Governance structures, documented rules, and grievance mechanisms protect members.

Savings Programmes

Recurring Deposit & Daily Savings

Structured savings plans that help members build a financial cushion — one day, one deposit at a time.

Recurring deposit savings Most Popular

Monthly Recurring Deposit

Open a monthly RD account and make fixed deposits each month to earn competitive interest with a lump-sum maturity payout.

  • Flexible deposit amount
  • Fixed tenure options (6 – 60 months)
  • Competitive interest rate
  • Maturity payout with interest
  • Loan facility against RD
Calculate Maturity
Daily savings collection

Daily Savings Collection

Our field officers visit members daily to collect small deposits, making it easy to save without visiting a branch.

  • Daily collection at doorstep
  • As low as ₹20/day
  • Passbook entries every visit
  • Monthly summary statements
  • Interest on accumulated balance
Enroll Now
Group savings activities

Group Savings Programme

Savings groups pool collective contributions, build group funds, and create eligibility for larger group loans.

  • Group of 10 – 20 members
  • Weekly or monthly group meetings
  • Transparent group ledger
  • Internal lending within group
  • Path to external loan eligibility
Join a Group

How Our RD Programme Works

01

Open Account

Visit a Bharosa centre or contact our field officer to open your RD account with KYC documents.

02

Choose Your Plan

Select deposit amount, tenure, and frequency — daily, weekly, or monthly — that suits your income pattern.

03

Make Regular Deposits

Our field officers collect deposits and issue passbook entries. Every transaction is recorded transparently.

04

Earn Interest

Your balance earns interest as per the applicable rate for your tenure and programme type.

05

Receive Maturity Payout

At the end of your tenure, receive your principal plus accumulated interest as a lump-sum maturity amount.

Important Notice: All savings and deposit programmes offered by Bharosa Foundation are subject to applicable legal and regulatory frameworks. Interest rates, tenure, and maturity terms are subject to change. Please contact your nearest Bharosa centre or an authorised representative for current rates, scheme details, and applicable terms before enrolling. Bharosa Foundation complies with all relevant regulations governing deposit collection and lending activities.
Financial Assistance

Loan Schemes for Every Need

Responsible, affordable loan programmes designed around your real-life needs — with transparent terms, clear eligibility, and dignified service.

Individual loan applicant
Loan Amount ₹5,000 – ₹1,00,000

Individual Loan

A personal micro-loan designed for individuals who need financial support for personal, household, or small-scale needs. Simple process, flexible repayment, and quick disbursement.

Loan Range ₹5,000 – ₹1,00,000
Tenure 6 – 36 Months
Interest Rate As applicable*
Processing Time 3 – 7 Working Days

Eligibility Criteria

  • Active Bharosa Foundation member for minimum 3 months
  • Regular savings history maintained without default
  • Age: 18 – 60 years
  • Valid KYC documents (Aadhaar, PAN or equivalent)
  • Residing in a serviced area of Bharosa Foundation

Documents Required

Aadhaar Card PAN Card / Form 60 Passport Photo Address Proof Bank Passbook Savings Passbook
Apply for Individual Loan
Group loan meeting
Loan Amount ₹10,000 – ₹5,00,000

Group Loan

A collective lending model where a savings group jointly avails and guarantees a loan. Members support each other through shared responsibility and transparent repayment management.

Group Loan Range ₹10,000 – ₹5,00,000
Tenure 6 – 24 Months
Group Size 10 – 20 Members
Processing Time 5 – 10 Working Days

Eligibility Criteria

  • Registered group with Bharosa Foundation (minimum 6 months)
  • Consistent group savings record
  • All group members KYC compliant
  • No existing default by any group member
  • Group resolution/agreement for loan

Documents Required

Group Registration Member KYC – All Group Ledger Meeting Minutes Group Bank A/C Leader ID Proof
Apply for Group Loan
Small business owner
Loan Amount ₹10,000 – ₹2,00,000

Business Loan

Designed for micro-entrepreneurs — tailors, vegetable vendors, small shop owners, artisans, and home-based businesses — seeking capital to start, sustain, or grow their enterprise.

Loan Range ₹10,000 – ₹2,00,000
Tenure 12 – 36 Months
Purpose Business Growth
Processing Time 5 – 10 Working Days

Eligibility Criteria

  • Existing micro-enterprise or clear business plan
  • Active Bharosa Foundation member
  • Demonstrated ability to repay (income assessment)
  • No wilful default on previous loans
  • Age: 21 – 58 years

Documents Required

Aadhaar Card Business Proof Photos of Business Bank Statements Address Proof Savings Passbook
Apply for Business Loan
Emergency financial support
Quick Relief ₹1,000 – ₹25,000

Emergency Loan

A fast-access micro-loan for active members facing genuine emergencies — medical treatment, urgent household repair, or unexpected family expenses — with minimal documentation and priority processing.

Loan Range ₹1,000 – ₹25,000
Tenure 1 – 12 Months
Priority Fast-Track
Processing Time 24 – 72 Hours

Eligibility Criteria

  • Active Bharosa Foundation member (minimum 1 month)
  • Valid documented emergency (medical, calamity, etc.)
  • Clean repayment history on existing loans
  • Endorsement from centre officer
  • No existing overdue loan instalment

Documents Required

Aadhaar Card Emergency Proof Medical Bills / Quotes Member ID Savings Passbook
Call for Emergency Assistance

* Interest rates, processing fees, and all loan terms are subject to applicable regulatory guidelines, member eligibility, and periodic review. Please consult your nearest Bharosa Foundation centre for current rates and a written loan agreement before availing any loan product.

Group Finance

Women-Led Savings Groups —
Stronger Together

Our Self-Help Group model is a proven community finance framework where 10 to 20 women come together, save collectively, build a group corpus, and support each other through responsible borrowing and transparent group governance.

Each group elects its own president, treasurer, and secretary. Meetings are held regularly, records are maintained openly, and every member has an equal voice. Group savings create internal lending capacity and qualify the group for larger Bharosa Foundation loan programmes.

10–20
Members per Group
1
Elected Group Leader
Weekly
Meetings & Collections
100%
Transparent Ledger
Start or Join a Group

Collective Savings

Members pool regular contributions to build a group savings corpus that grows over time and earns interest for the whole group.

Transparent Records

Every rupee collected, lent, and repaid is recorded in a group ledger maintained by the elected treasurer and verified at every meeting.

Internal Lending

Groups can lend from their own corpus to individual members for small needs at group-decided interest, keeping the benefit within the group.

Loan Eligibility

After demonstrating consistent savings and meeting management, groups qualify for larger Bharosa Foundation-backed loan programmes.

Financial Literacy

Our field officers provide ongoing financial literacy training, helping members understand savings, loans, interest, and budgeting.

Leadership Development

Women develop confidence, communication, and financial management skills through elected roles, public speaking, and collective decision-making.

Women's group meeting Savings collection activity Group leader presenting Community financial activity
Member Journey

How It Works — Step by Step

From your first visit to a Bharosa centre to loan disbursement and beyond — here is the complete member journey in one transparent view.

01

Visit a Bharosa Centre

Walk into any Bharosa Foundation centre near you. Our team will explain all programmes, answer your questions, and help you choose the right savings plan.

  • No appointment needed
  • Free consultation
02

Complete KYC Registration

Submit your Aadhaar card, passport photo, and address proof. Our staff will complete your member registration and issue a member ID and passbook.

  • Same-day registration possible
  • Member passbook issued
03

Choose Your Savings Plan

Select daily savings, weekly, or monthly RD based on your income and financial goals. Our advisor will calculate your expected maturity amount using our RD calculator.

  • Flexible amounts starting ₹20/day
  • Multiple tenure options
04

Make Regular Deposits

A field officer visits you daily or weekly to collect your deposit and update your passbook. Every collection is receipted and recorded in our system.

  • Doorstep collection
  • Instant receipt issued
05

Track Your Growth

Monitor your savings balance, interest earned, and maturity date through your passbook and periodic statements issued by your centre.

  • Monthly statements
  • Full passbook history
06

Receive Maturity Amount

At the end of your chosen tenure, receive your principal plus interest as a lump-sum payout. Many members reinvest or use their maturity amount to start a business.

  • Lump-sum payout on maturity
  • Option to renew or reinvest
01

Become a Member & Save

Loan eligibility begins with membership and a regular savings history. Members with at least 3 months of consistent savings are eligible to apply for loans.

  • Savings history builds creditworthiness
  • No prior credit bureau score required
02

Submit Loan Application

Fill out a simple loan application form at your Bharosa centre. State your loan requirement, purpose, and preferred repayment tenure.

  • Simple application form
  • Staff assistance available
03

Field Verification

Our field officer conducts a doorstep verification visit to assess your repayment capacity, purpose of loan, and household or business situation.

  • Home / business visit
  • Respectful and confidential process
04

Credit Assessment & Approval

Our credit team reviews your application, savings record, and field report. Approved loans are sanctioned with a formal loan agreement clearly stating all terms.

  • Written loan agreement
  • All terms explained in local language
05

Disbursement

Loan amount is disbursed directly to your bank account or handed at the centre in the presence of a witness. Receipt is issued immediately.

  • Direct bank transfer or cash
  • Official disbursement receipt
06

Repayment & Renewal

Repay in regular instalments (weekly or monthly) through our field officer or at the centre. Timely repayment builds your credit profile for larger future loans.

  • Weekly or monthly instalments
  • Eligible for top-up on good repayment

Ready to begin your Bharosa journey?

Visit your nearest centre, call us, or WhatsApp to get started today.

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Planning Tools

Interactive Financial Calculators

Use these tools to estimate your savings maturity or monthly loan instalment before you visit us. All calculations are indicative only.

RD & Savings Calculator

Estimate your maturity amount based on your deposit amount, frequency, tenure, and applicable interest rate.

₹50
₹20 ₹10,000
12 months
3 months 60 months
8%
4% 15%

* This calculator provides indicative estimates only. Actual maturity values depend on applicable interest rates, deposit schedule, and programme terms. Consult a Bharosa representative for confirmed figures.

Maturity ₹0
Maturity Amount ₹0
Total Deposited ₹0
Interest Earned ₹0
Effective Yield 0%

Year-by-Year Summary

Year Deposited Interest Balance
Click "Calculate Maturity" to see breakdown
Enroll in This Plan

Loan EMI Calculator

Estimate your monthly loan instalment (EMI) based on loan amount, interest rate, and repayment tenure.

₹50,000
₹5,000 ₹5,00,000
18%
8% 36%
12 months
3 months 36 months

* EMI values are indicative estimates based on a flat or reducing balance method as applicable. Actual EMI depends on loan type, processing charges, and applicable terms. Contact Bharosa Foundation for a confirmed loan schedule before signing any agreement.

EMI ₹0
Monthly EMI ₹0
Loan Principal ₹0
Total Interest ₹0
Total Repayment ₹0

Repayment Schedule

Month EMI Principal Interest Balance
Click "Calculate EMI" to see schedule
Apply for This Loan
0
Active Members
0
Women Empowered
0
Groups Formed
0
Active Centres
0
Loans Disbursed
0
Total Savings
Community Voices

Stories of Change & Growth

Real experiences from real members. Every story represents a family's journey toward financial security and dignity.

Priya, member story
Member Story
Women Entrepreneurship

"My daily savings of ₹50 became the capital that started my tailoring business."

Priya began saving just ₹50 every day with Bharosa Foundation's daily savings programme. After 18 months of consistent deposits, she used her maturity amount to purchase a sewing machine and two additional tools. Today, she runs a small tailoring unit from home and earns a stable monthly income that supports her two children's education.

"Bharosa gave me more than money — it gave me the confidence that saving regularly can change your life. I never thought ₹50 a day could become so much," she shares.

Priya – Member
Priya S. Member since 2021 · Tailoring Entrepreneur
₹50/day Daily savings
18 months Tenure
Business started Outcome
Women's group savings Group Finance

"Our group of 15 women collectively saved ₹3 lakhs in one year."

A savings group in Pune district demonstrated that collective discipline and peer accountability can create a powerful financial safety net for every member.

Rekha
Rekha M. Group Leader · Pune District
Small business loan Business Loan

"A ₹25,000 business loan helped me expand my vegetable stall into a proper shop."

After two years of saving, Santosh applied for a business loan. The timely disbursement allowed him to rent a small shop, add stock, and double his daily income.

Santosh
Santosh K. Business Member · Market Vendor
Financial literacy training Financial Literacy

"I didn't know what interest meant before joining Bharosa. Now I teach others."

Through Bharosa Foundation's financial literacy sessions, Meena learned to manage household budgets, track expenses, and plan for long-term goals. She now trains new group members.

Meena
Meena R. Community Trainer · Member since 2020

What Our Members Say

"Bharosa Foundation changed how I think about money. Every rupee I save now has a purpose. I have more financial confidence than I ever had before."

Sunita
Sunita P. RD Member · 3 Years

"The field officer comes to my door every day. I never have to miss work to go to a bank. That accessibility is what makes Bharosa Foundation truly different."

Kavita
Kavita N. Daily Savings Member · 2 Years

"The group loan process was explained clearly and honestly. The terms were fair and the staff was respectful throughout. I repaid my loan on time and applied for a larger one."

Anjali
Anjali V. Group Loan Member · Maharashtra

"I used an emergency loan to cover my child's hospitalisation. The staff processed it quickly and without unnecessary questions. I am forever grateful to this organisation."

Ramesh
Ramesh D. Emergency Loan Member · Rural District

"Being the group leader taught me to maintain records, run meetings, and manage finances. These skills helped me get a part-time accounting job. Bharosa changed my life completely."

Neha
Neha S. Group Leader · Women's SHG

The stories above are illustrative of the types of impact community savings and lending programmes can have. Member names may be changed or combined for privacy. Bharosa Foundation does not fabricate statistics, testimonials, or financial performance data. Actual outcomes vary by individual circumstances, programme terms, and financial discipline.

Governance & Compliance

Trust & Transparency

Bharosa Foundation operates with full organisational transparency. Our governance structure, documented policies, and grievance mechanisms exist to protect every member.

Registration & Legal Status

Bharosa Foundation is registered under applicable Indian law. Please contact our office for our registration certificate, memorandum, and legal documents.

Request Documents

Member Agreement

Every member receives a written agreement in their regional language, clearly stating all terms, rates, and repayment obligations before signing.

View Sample Agreement

Data & Privacy Policy

Member data is collected only for programme purposes, stored securely, and never shared with third parties without written consent per our Privacy Policy.

Privacy Policy

Grievance Redressal

Any member with a complaint may raise it through our designated Grievance Officer. All complaints are acknowledged within 3 working days and resolved within 21 days.

File a Grievance

Code of Conduct

All staff, field officers, and representatives adhere to a strict code of conduct that prohibits harassment, coercion, or unethical collection practices.

Read Code of Conduct

Regulatory Compliance

All deposit-taking and lending activities are conducted in accordance with applicable RBI guidelines and relevant state financial regulations.

Regulatory Information

Important Regulatory Notice

Deposits accepted from the public and loan disbursements made by Bharosa Foundation are subject to applicable laws and regulations governing microfinance institutions and non-banking financial activities in India. Before enrolling in any savings, deposit, or loan programme, members are advised to read all terms carefully, obtain a written agreement, and confirm the foundation's current regulatory authorisations. Bharosa Foundation does not guarantee returns and all financial products carry inherent risks. This website is for informational purposes only and does not constitute a legal offer or financial advice.

FAQs

Frequently Asked
Questions

Can't find your answer here? Contact us directly and our team will respond within one working day.

Ask a Question
Call Us +91 6290697544
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Any Indian resident aged 18 years and above who lives within a serviced area of Bharosa Foundation can apply for membership. You will need a valid government-issued identity document (Aadhaar Card preferred), address proof, and a passport-size photograph.

Our trained field officers visit your home or workplace on designated collection days (typically 5–6 days per week). They collect your daily deposit, update your passbook on the spot, and issue a receipt. You never need to travel to a branch for daily savings.

The minimum daily savings amount starts at ₹20 per day, making it accessible for individuals across all income levels. For monthly RD plans, the minimum deposit amount may vary by plan — please contact your nearest Bharosa centre for current minimum thresholds.

Generally, individual loan eligibility begins after a minimum of 3 months of active and consistent savings with no defaults. Group loan eligibility typically requires the group to have been registered and saving regularly for at least 6 months. Emergency loans may be available sooner for genuine documented emergencies.

Loan repayments are collected by our field officers on your regular repayment schedule — weekly or monthly, as per your loan agreement. You can also repay directly at any Bharosa Foundation centre. All repayments are receipted and recorded in your loan ledger.

Bharosa Foundation operates under applicable regulatory frameworks and maintains transparent financial records. However, all members are advised to obtain a written agreement, review all terms carefully, and understand the regulatory status of any deposit or savings programme before enrolling. Please contact us for our current registration and regulatory compliance information.

Contact your nearest Bharosa Foundation centre or speak to our field officer in your area. Our team will guide you through the group formation process, including how to elect group officers, draft group rules, open a group savings account, and schedule regular group meetings. Groups require 10–20 willing members who commit to regular savings.

Pre-mature withdrawal may be permitted under specific conditions and may be subject to applicable terms, penalties, or reduced interest as per the programme rules. Please discuss your specific situation with your centre officer before deciding to withdraw early. We always recommend completing your planned tenure to receive the full maturity benefit.

You can raise a complaint by visiting your nearest Bharosa centre, calling our helpline at +91 6290697544, or writing to us at info@bharosafoundation.org. All complaints are acknowledged within 3 working days. If your complaint is not resolved within 21 days, you may escalate it to our Grievance Officer whose details are available at any of our centres.

Get in Touch

Contact Bharosa Foundation

Visit a centre, call, WhatsApp, or fill the form below. Our team responds within one working day.

Call Our Helpline +91 6290697544 Mon–Sat, 9 AM – 6 PM
WhatsApp Us +91 6290697544 Quick response during office hours
Email Us info@bharosafoundation.org Replied within 1 working day
Head Office Bharosa Foundation Please contact us for the full registered address.

Map shown for reference. Contact us for your nearest Bharosa centre address.

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