Close every group meeting with each member’s savings and loan repayments on record.
SHG Management System is SHG management software for self help groups and the NGOs that support them. Savings, attendance and loans are recorded at the meeting itself. Repayments and interest work out against a schedule. The group’s cash flow, balance sheet, and profit and loss come from those same entries, not from a second book. Reminders go out before dues and before meetings.
- Savings amounts, meeting cycle and loan rules set to your bylaws
- Member lists, savings to date and loan balances entered with the treasurer
- Answered by the team in Nagarbhavi, Bengaluru
What goes wrong before the software.
The treasurer’s notebook is the only record
Savings and repayments for the whole group are written in one book. If the treasurer changes, or the book is lost, the arguments start.
Nobody can say what a member still owes
A member has taken two internal loans and repaid part of each. Working out her balance and interest takes half the meeting.
Members only hear the totals
The figures are read out, but members can’t see their own history. When a number looks wrong, there is nothing to show them.
The bank asks for records we don’t have ready
Before a loan, the bank wants the group’s savings and loan records. Putting them together by hand takes days, and one wrong figure can hold up the loan.
Repayments are missed because nobody reminds
Members forget a due date until the meeting. By then the instalment is late, and the group’s own repayment to the bank falls short.
Years of records sit on one laptop
The spreadsheet lives on the coordinator’s laptop. When it breaks, or she moves on, the group’s history goes with it.
How the work flows through it, step by step.
- 1
The group is set up
Members go in with their savings amount and cycle, weekly or monthly. The group’s interest rate on internal loans is entered once.
- 2
Meeting day
Attendance is marked and each member’s savings is recorded as it is handed over. Everyone gets a confirmation of what she paid. Nobody walks home unsure.
- 3
A member asks for a loan
The request is recorded and the group’s decision noted. The amount is disbursed, and a repayment schedule with interest is worked out there and then. Not after the meeting. At it.
- 4
Repayments collected
Each repayment goes against the schedule. Anyone falling behind shows up before the next meeting, not at the end of the year.
- 5
Reminders sent
Payment reminders and meeting alerts go by SMS, email or in-app notice, as many days ahead as the group chooses.
- 6
When the bank asks
Income, expenses, cash flow, profit and loss and the balance sheet are ready to print. Nobody spends three days rebuilding them from a notebook.
What is inside.
Every module can be switched on, left out or changed to match how your team already works.
Member register
Each member’s profile, joining date, and history, with the same record used at every meeting.
Learn moreSavings tracking
Savings plans set weekly, monthly, or to the group’s own cycle, with each member’s contribution history visible to her.
Learn moreMeeting attendance
Attendance marked at each meeting and kept against the member, so participation is on record.
Loans and repayment schedules
The SHG loan software keeps loan requests, approval, disbursement and repayments on one record, with the balance per member always current.
Learn moreInterest worked out for you
Interest calculated on each loan by the group’s rate and schedule, so nobody does it on a calculator during the meeting.
Learn moreReminders for dues and meetings
Payment and meeting reminders by SMS, email, or in-app notice, with the timing set by the group.
Learn moreGroup accounts and statements
Income, expenses, cash flow, profit and loss, and balance sheet, with periods compared side by side.
Learn moreRoles, backups, and login security
Each person logs in with their own role, data is backed up regularly, and two-step login is available.
Learn moreRoom to grow
The same system works for a group of twenty and a group of two hundred, so growth doesn’t mean a new register.
Learn moreScreens a treasurer can use
Simple screens built for a group treasurer with no software training.
Learn moreOne system, each person sees their part.
Group leader
The meeting summary, members behind on savings or repayments, and the group’s balance.
Treasurer or bookkeeper
Recording savings and repayments at the meeting, giving loans, and printing statements.
Member
Her own savings history, loan balance, and next due date, with reminders before it.
NGO coordinator
The groups she supports, their savings and loans, and which ones need a visit.
The numbers the owner asks for.
- Savings by member and group total
- Loans outstanding by member, with overdue amounts
- Repayment schedule for each loan
- Attendance by meeting
- Profit and loss and balance sheet
- Cash flow for the month and the year
Who this is built for.
- Self help groups with regular savings and internal lending
- NGOs and rural development organisations supporting many groups
- Groups preparing records for a bank loan
- Organisations that arrange bank loans for groups and follow up on repayments
- Groups whose treasurer is handing over and wants clean records
When it is not the right choice.
- If you lend to thousands of individual borrowers as an NBFC or MFI, look at Loan Management System or a full lending platform instead.
- A single small group with a careful treasurer and a clean passbook may do fine on paper.
Adapted to your business before it goes live.
You are not handed a login and left to it. The product is set up around your records, your people and the tools you already use.
Your group’s rules
Savings amounts, meeting cycle, interest rates and repayment terms are matched to your bylaws.
Registers moved across
Member lists, savings to date and loan balances are entered from your registers or sheets, and checked with the treasurer.
Reminders on the right channel
SMS for members without smartphones. Email or in-app notices for those who have them.
Training for treasurers
Short hands-on sessions for treasurers and coordinators, in person or on a call.
Hosting, backups and rule changes
Hosted in the cloud with regular backups, so the records do not depend on one laptop. When the group changes a rule, our team changes the system.
Works alongside
- SMS
- Google Calendar
- PDF and Excel reports
Questions owners ask before a demo.
What does SHG management software do that our register doesn’t?
It works out balances and interest for you, and keeps every entry with a date. Members can see their own history, and the books for the bank come from the same records.
Is there a self help group app members can use?
Yes. Members can see their own savings history and loan balance, and receive reminders before a due date. Members without a smartphone get SMS reminders instead.
Does the SHG loan software track our bank linkage loan?
Yes. A loan the group takes from a bank can be recorded with its repayment schedule, alongside the internal loans the group gives members. The bank’s own statement remains the record the bank goes by.
Is it an NRLM app?
No. It is not a government system and does not report into NRLM portals. It keeps the group’s own books, which you can print or export when asked.
Can an NGO or federation manage many groups in it?
Yes. Each group keeps its own members, savings, and loans. How figures are brought together across groups is agreed during set-up.
Our treasurer has never used software. Will she manage?
The screens are built for exactly that person. We train her on the meeting entries first, and the rest follows over a few meetings.
Does it keep proper accounts, or do we still need Tally?
It produces the group’s cash flow, profit and loss and balance sheet on its own. If an NGO’s accountant works in Tally, the figures can be exported for it.
Can you bring in our old registers?
Yes. Member lists, savings to date and loan balances are entered from your registers or Excel. The treasurer checks each member’s figures before go-live.
Who owns the group’s data?
The group, or the organisation that runs it. Statements export to PDF or Excel whenever you want them, and a full handover copy is agreed in the proposal.
What does the SHG management software cost?
No price is published. It depends on how many groups and users there are, so we show it working and quote in writing afterwards.
Businesses that use this.
Related products.
See SHG Management System with your own data.
Tell us how you run things today. We’ll show you the parts that matter to you and say plainly what would need changing.
- No obligation
- We reply the same working day
- Your details stay private