Built on Mutual Thrift, Trust & Co-operation
Mere Apne Fincare Co-operative Urban Thrift & Credit Society Limited is officially registered under the Delhi Co-operative Societies Act, 2003, and supervised by the Registrar of Co-operative Societies (RCS), Government of NCT of Delhi.
About Mere Apne Fincare
Mere Apne Fincare Co-operative Urban Thrift & Credit Society Limited was formed with the primary purpose of helping ordinary citizens achieve true financial freedom and improve their economic well-being through thrift, disciplined savings, and collective financial strength.
The society's corporate and working offices are located in Laxmi Nagar, Delhi, and all operations, accounting, and member services strictly follow the approved Bye-laws registered with the Registrar of Co-operative Societies.
We have continuously modernized the society with digital technology: members can monitor accounts on their mobile phones, execute digital transfers via Virtual Accounts with IFSC codes (IMPS/RTGS/NEFT), and access smooth, prompt customer support.
Statutory Standing
Full Name: Mere Apne Fincare Co-operative Urban Thrift & Credit Society Limited
Registration No: 10921/Sec-IV/T/C/2025
Governing Legislation: Delhi Co-operative Societies Act, 2003
Registered Jurisdiction: National Capital Territory (NCT) of Delhi
Regulator & Oversight: Registrar of Co-operative Societies (RCS), Delhi
Built For Members, Owned by Members, Driven by Community
In a commercial bank, profits are extracted for outside investors. In Mere Apne Fincare, every rupee of surplus is retained for members through dividend payouts, higher deposit interest (up to 12% p.a.), and welfare programs.
- One Member, One Vote democratic governance structure
- 100% Tax-Free interest payments under Section 194A
- Audited annual reports submitted to RCS Delhi Government
Our Mission & Strategic Vision
Guided by the spirit of mutual assistance: "Each for all, and all for each."
Our Mission
To work closely with our members to help them make sound, prudent financial decisions through unwavering integrity, mutual trust, and high-quality personalized services. We motivate everyday citizens to build regular savings, protect their capital, and access affordable credit when life demands it.
Our Vision
To expand our footprint across the National Capital Region and all Indian states (PAN-India), transforming into a Multi-State Credit Co-operative Society that leads the nation in financial inclusion, technology-driven member services, and community empowerment.
- Establish widespread branch network across India
- Convert into a premier Multi-State Co-operative Society
- Offer digital instant transactions for every member
- Promote sustainable financial literacy and independence
Our Core Values
These principles direct every transaction, policy decision, and member interaction.
Nation First Philosophy
We believe in strengthening our motherland by financially empowering its citizens from grassroots levels, promoting indigenous thrift and economic self-reliance.
Honesty & Transparency
Absolute transparency in all account records, interest calculations, loan schedules, and society communications. Zero hidden charges.
Professional Excellence
Combining the warmth of community banking with the efficiency, accuracy, and technological standards of premier fintech institutions.
Member-First Focus
Our members are the sole owners of this society. Every product and policy is designed to benefit their financial well-being, never outside shareholders.
Always Do What Is Right
Uncompromising adherence to legal compliance, ethical conduct, and compassionate support during member medical and domestic emergencies.
Continuous Innovation
Constantly improving our digital tools, Virtual Accounts, mobile accessibility, and member facilities for an effortless banking experience.
7 Co-operative Principles We Uphold
The timeless values that separate a co-operative society from a commercial lender:
1. Voluntary and Open Membership
Membership is voluntary and open to all persons able to use its services without gender, social, racial, political or religious discrimination.
2. Democratic Member Control
Members actively participate in policy decisions. Every member has equal voting rights (one member, one vote) regardless of deposit size.
3. Member Economic Participation
Members contribute equitably to the capital of the society. Surpluses are shared through higher deposit interest, lower loan rates, and reserve development.
4. Autonomy and Independence
Co-operatives are self-help organizations controlled solely by their members, operating in full compliance with the Delhi Co-operative Societies Act.
5. Education, Training & Information
We educate members on smart financial planning, compounding interest, and debt discipline to foster long-term prosperity.
6. Concern for Community
While focusing on member needs, we work for the sustainable economic development of our communities in Laxmi Nagar and across Delhi.
Experience Co-operative Financial Freedom
Become a member today and enjoy high deposit interest, zero TDS, and supportive loans.