One connected record for savings, meetings, loans and group accounts.
Record savings, attendance and loans at the meeting itself, for self help groups and the federations that support them. Repayments and interest are worked out against a schedule. Cash flow, balance sheet and profit and loss come from the same entries as the passbooks, and 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
- Supported by our team through set-up, training and rule changes
This SHG management system records savings, attendance and loans at the meeting itself. Treasurers of self help groups and the NGOs behind them use it. It holds the member register, savings towards the group corpus, inter-loaning, the group’s bank loan, repayment schedules and group accounts. You set the interest rate and reminder timing.
What goes wrong before the software.
How the work flows through it, step by step.
- 1
Group set-up
Enter members with their monthly or weekly savings amount, the meeting cycle and the group’s interest rate on internal loans, once.
- 2
Meeting day
Mark attendance and enter each member’s savings as the cash is handed over. Every member gets a receipt for what she paid.
- 3
Loan request
Record the request and the group’s resolution, disburse the amount and prepare the instalment schedule with interest on the spot.
- 4
Repayment collection
Each repayment is posted against the schedule. Members falling behind show up before the next meeting.
- 5
Reminders
Dues and meeting alerts go by SMS, email or in-app notice, as many days ahead as the group chooses.
- 6
Bank requests
Income and expenditure, cash flow, profit and loss and the balance sheet are ready to print for the branch manager.
What is inside.
Every module can be switched on, left out or changed to match how your team already works.
Member register
Keep each member’s profile, joining date, share contribution and history, with the same passbook record used at every meeting.
Learn moreSavings tracking
Set savings plans weekly, monthly or to the group’s own cycle. Each member sees her contribution to the corpus and the interest share credited.
Learn moreMeeting attendance
Mark attendance at each meeting, with apologies and absentees noted against the member and the resolution minutes.
Learn moreLoans and repayment schedules
Keep inter-loaning to members and the group’s bank loan on one ledger, from request to the last instalment, with the outstanding principal per member always current.
Learn moreInterest worked out for you
Calculate interest on each loan by the group’s rate on reducing balance or flat basis, so nobody works it out by calculator during the meeting.
Learn moreReminders for dues and meetings
Send due reminders and meeting alerts by SMS, email or in-app notice, with the timing set by the group.
Learn moreGroup accounts and statements
Produce income and expenditure, cash flow, profit and loss and balance sheet, with periods compared side by side for the branch and the federation.
Learn moreRoles, backups and login security
Give the leader, treasurer, secretary and coordinator their own roles, back up the ledgers regularly and offer two-step login.
Learn moreRoom to grow
Use the same system for a group of twenty or a federation of two hundred groups, so growth does not mean a new register.
Learn moreScreens a treasurer can use
Provide plain screens built for a treasurer who has never used software, in the label language the group prefers.
Learn moreThe business modules it is built from.
Each one is also available on its own, or inside a system built for you.
- WhatsApp, SMS and Email Notifications
Group leaders send due reminders and meeting alerts by SMS, email or in-app notice, with timing set by the group itself.
- Finance and Accounting Reporting
Treasurers produce income and expenditure, cash flow, profit and loss and a balance sheet, comparing periods side by side from the group’s own entries.
- Roles and Permissions
Each office-bearer signs in with a role of their own, ledgers are backed up regularly and two-step login protects the group’s books.
- Attendance & Time Tracking
The secretary marks who attended each meeting, and the record stays against the member for later reference.
- Contact & Account Management
The treasurer keeps each member’s profile, joining date and passbook history in one register used at every meeting.
- Collections and Payment Follow-Up
Coordinators see which members have fallen behind on instalments and follow up before the next meeting with the group’s own schedule.
How we would put it in.
Setup, data migration, integrations and anything built on top.
Every part of the system, by area.
Take the modules you need. Each one works on its own or inside a larger system built for you.
- Applicant Tracking (5)
- CRM (8)
- Finance & Accounting (10)
- Helpdesk (4)
- Human Resources (13)
- Inventory Management (5)
- Project Management (7)
- Manufacturing (6)
- Procurement (4)
- Sales and Distribution (6)
- Field Service (5)
- Statutory and Compliance (4)
- Retail and POS (4)
- Bookings and Appointments (3)
- Subscriptions (2)
- Assets and Fleet (4)
- Platform (6)
- Analytics (2)
- Documents (1)
- All business solutions
Topics beyond the modules.
Each page covers one part of how the system is used, connected or controlled.
Views by Role for SHG Management
A self-help group, its members and the NGO behind it all work from one set of entries.
Learn moreReports for Self-Help Group Leaders and NGOs
These reports show savings, loans, repayments, attendance and the group’s accounts.
Learn moreIntegrations for SHG Management Software
The system connects to SMS, email, Google Calendar and PDF and Excel reports.
Learn moreOne system, each person sees their part.
For group leaders
See the meeting summary, members behind on savings or repayments and the group’s corpus and cash balance.
For treasurers and bookkeepers
Enter savings and repayments at the meeting, disburse loans and print the cashbook and statements.
For members
See your own passbook, loan balance and next due date, with a reminder ahead of it.
For NGO coordinators
See the groups you support, their savings, loans and repayment record, and which ones need a field visit.
The numbers the owner asks for.
- Savings by member and group corpus total
- Loans outstanding by member, with overdue instalments
- Repayment schedule and ledger for each loan
- Attendance register by meeting
- Income and expenditure, profit and loss and balance sheet
- Cash flow and cashbook 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, or run joint liability lending as a licensed lender or microfinance institution, look at Loan Management System 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.
Works alongside
- SMS
- Google Calendar
- PDF and Excel reports
Vikasa RDO: making SHG loan recovery auditable
Loan proposals, recoveries and commissions sit on one record, with a person attached to every state change, so a business handling a bank’s money can show where each rupee went.
Questions owners ask before a demo.
What does it do that our register does not?
It works out balances and interest for you and keeps every entry with a date. A member’s passbook figures and the group corpus come from the same entries. Members can see their own history. The books for the bank come from those entries too.
Is there an 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 receive SMS reminders.
Does it track our bank loan?
Yes. A bank loan the group takes can be recorded with its repayment schedule, alongside inter-loaning to members. For a grading or credit profile exercise, the savings, attendance and repayment records print from the same entries. The bank’s own statement remains the record the bank goes by.
Is it a government reporting app?
No. It is not a government system, and it does not send reports into any official portal or scheme app. 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 roll up for a village organisation or a cluster level federation is worked out in the first workshop.
Will it work at a meeting with no mobile network?
No. Entries need a mobile signal at the meeting. Where the network is weak, the treasurer writes the figures in the register and enters them afterwards.
Our treasurer has never used software. Will she manage?
The screens are built for exactly that person. She is trained on meeting entries first, and the rest follows over a few meetings. Which language the labels carry is settled during implementation, and our team changes wording when the group asks.
Does it keep proper accounts, or do we still need separate accounting software?
It produces the group’s cash flow, profit and loss and balance sheet on its own. If an NGO’s accountant works in separate bookkeeping software, the figures export for it.
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 it cost?
No price is published. The figure follows the groups and users involved, plus any SMS or calendar link. Registers kept on paper must be keyed in or migrated. We show the system working, then quote in writing, part by part.
How soon could a group record its next meeting on it?
The member register, savings tracking, meeting attendance and loans with repayment schedules cover what a group does at each meeting, so they go live first. Interest, reminders and group accounts follow. Statements and a federation view can come last. Training for the treasurer is placed before the first meeting. Dates are proposed.
What should the group bring along?
Bring the member register, the savings book, the loan book with repayment dates, and the written rules on interest and fines. A meeting minute and a sample statement show what is asked for. The leader, the treasurer or bookkeeper, a member and an NGO contact should be named. A phone with SMS is useful for reminders.
Wondering what it would cost? Share your requirements and an engineer will come back with a scope.
Every part, on its own page.
Each page covers one part of the system: what it records, who uses it and what it hands on.
- Scalable Management Tools for SHGs
- Loan Tracking and Repayment Schedules
- Notifications and Payment Reminders for SHGs
- Member Management for SHGs
- Financial Reporting for Self-Help Groups
- Data Protection for SHG Records
- A Simple Interface for SHG Treasurers
- Meeting Attendance Records for SHGs
- Views by Role for SHG Management
- Reports for Self-Help Group Leaders and NGOs
- Integrations for SHG Management Software
Written for this trade.
Practical notes on running the business, not product marketing.
Built for.
The trades this product is set up for. Pick yours to see how the work runs there.
Related products.
See SHG Management System set up around your records.
Tell us how you run things today. An engineer reads it and writes back with what fits as it is, what would need changing, and what we would start with.
What happens after you share your requirements
- A senior engineer reads your answers. Nobody phones first.
- Within one business day you get a written note: what we understood, what we would start with, and the questions we still have.
- If it fits, a proposal follows with the order of work, what we need from you and what you receive at each step.
- No call is booked and nothing is paid until you have read the note. Your details stay with us.
Start with your requirements
Seven short steps that tell us what you need. A senior engineer reads them before anyone gets in touch.
Share your requirements