Aksar log Cooperative Society ko bank samajh lete hain, jabki Cooperative Society bank nahi hoti — aur yahi iski sabse badi taqat hai.
Cooperative Society Kya Hai?
Cooperative Society un logon ka ek group hoti hai jo aapas me milkar bachat karte hain aur zarurat ke samay ek-dusre ki madad karte hain.
- Yeh munafa kamane ke liye nahi hoti
- Balki members ki bhalai aur suraksha ke liye banayi jati hai
- Yahan bharose aur samajik zimmedari ko ahmiyat di jati hai
Saral shabdon me kahen to, Cooperative Society paison se zyada insaan ko importance deti hai.
Cooperative Society Kaise Kaam Karti Hai?
- Har member niyamit roop se bachat karta hai
- Wahi jama paisa zaruratmand member ko madad ke roop me diya jata hai
- Sabhi faisle democratic tareeke se liye jate hain
- Har member ki barabar ki awaaz hoti hai
Yahan koi ek malik nahi hota, sab members milkar hi is Cooperative Society ke malik hote hain.
Cooperative Society Aur Bank Me Antar
| Bindu | Cooperative Society | Bank |
|---|---|---|
| Malik | Members khud | Shareholders |
| Uddeshya | Members ka hit | Munafa |
| Faisle | Aapsi sahmati se | Board ke through |
| Rishta | Bharose par adharit | Rules aur kanoon par |
Cooperative Kyun Zaroori Hai?
- Yahan rishta bharose ka hota hai
- Yahan paisa sahara banta hai, bojh nahi
- Yahan madad lena izzat aur samman ke saath hota hai
Cooperative ka matlab hai — milkar aage badhna, ek-dusre ka saath dekar behtar bhavishya banana.
Aaj ke daur me jab financial pressure badh raha hai, Cooperative Society ek aisa model hai jo samaj, suraksha aur sahyog ko jodta hai. Isi liye Cooperative sirf ek system nahi, balki ek soch hai — aur wahi Sochoto ki pehchan hai.
Delhi NCR Mein Credit Cooperative Society: Aitbaar, Bachhat Aur Khud-Mukhtari Ki Ek Mazboot Misal
Aaj ke daur me jab arthik khud-mukhtari, izzat aur bharosa zindagi ka buniyadi hissa ban chuke hain, Credit Cooperative Societies ek aisi raah dikhati hain jahan paisa sirf munafa nahi, balki insaaniyat aur sahkar ka zariya banta hai.
Delhi NCR aur aas-paas ke ilaakon me ye societies aitbaar, shaffafiyat aur member-centric soch ke saath kaam kar rahi hain. Yahin se aam aadmi ke khwaab — chhota business, bachchon ki taleem, ghar ki zarurat ya mushkil waqt ka sahara — haqeeqat ka libaas pehente hain.
Credit Cooperative Society Kya Hai?
Credit Cooperative Society ek member-owned arthik sanstha hoti hai, jahan har member sirf grahak nahi balki hissedaar hota hai.
Ye societies Delhi Cooperative Societies Act ya Multi-State Cooperative Societies Act ke tahat registered hoti hain aur sahkar, insaaf aur bahami faayde ke usool par chalti hain.
Members ki bachhat ko jama karke, ye societies:
- Micro Loan
- Fixed Deposit (FD)
- Recurring Deposit (RD)
- Daily Saving Schemes
ke zariye logon ko qarz ke bojh se nahi, balki sahare aur sahulat ke taur par loan uplabdh karati hain.
Aaj Ke Waqt Mein Credit Cooperatives Ki Ahmiyat
1. Financial Inclusion
Ye societies un logon tak bhi pahunchti hain jinke liye banks ke darwaze aksar band rehte hain.
2. Community Aur Bahami Taaqat
Yahan members ek-doosre ka sahara bante hain, sirf account holders nahi hote.
3. Member-Driven Taraqqi
Munafa sirf records me nahi, balki members ki zindagi me nazar aata hai.
4. Financial Taleem
Bachhat aur maalī planning ki samajh members ke mustaqbil ko mehfooz banati hai.
Delhi NCR Ki Kuch Pramukh Credit Cooperative Societies
Ujala Credit Co-operative Society Ltd.
Ujala ek multi-state cooperative society hai jo member returns ke saath-saath rozgaar aur khud-rozgaari ke mauke bhi paida karti hai.
Delhi Sarvjan Hitay (Urban) Co-operative Thrift & Credit Society Ltd.
Ye society technology aur shaffaf nizaam ke saath kaam karti hai, jisse members ka bharosa aur convenience dono badhte hain.
Nidhi Sangrah Multi State Credit & Thrift Co-Op Society Ltd.
Structured saving aur loan products ke saath ye society mustahkam buniyad par aage badh rahi hai.
Government Employees (Urban) Co-Op Thrift & Credit Society Ltd.
Sarkari mulazimeen ke liye banayi gayi ye society housing aur emergency loans me ek bharosemand naam hai.
Jan Dhan Sanchay Co-operative Urban Thrift & Credit Society Ltd.
Is society ka buniyadi maqsad bachhat ki aadat paida karna hai — pehle saving, phir loan.
Sahyog Urban Thrift & Credit Co-operative Society, Delhi
Delhi jaise shehar me jahan financial competition bahut tez hai, Sahyog Urban Thrift & Credit Co-operative Society apne naam ke mutabiq “sahyog” ko sirf shabd nahi, balki amal me utaar kar kaam kar rahi hai.
Aaayen ab hum log iska establishment kanoon ki nazar se gaur karten hain….
Delhi Cooperative Societies Act, 2003: Key Sections ka Saral Summary (Credit Cooperative Society ke liye)
1. Section 3–5: Society Banane Ka Mool Siddhant
- Cooperative Society voluntary hoti hai
- Members ke aarthik aur samajik hit ke liye kaam karti hai
- Democratic control hota hai, yani ek member ek vote
Yahi section cooperative movement ki foundation hai.
2. Section 6: Registration Ki Eligibility
- Kam se kam 10 vyakti
- Sabhi members Delhi ke niwasi hone chahiye
- Common interest, area ya profession hona zaroori
Registrar yahin par decide karta hai ki society register hone layak hai ya nahi.
3. Section 7–9: Registration Process
- Application Registrar of Cooperative Societies ko di jaati hai
- Bye-laws Act ke anuroop hone chahiye
- Registrar ko poora adhikar hota hai application accept ya reject karne ka
Registration certificate milne ke baad hi society legally exist karti hai.
4. Section 11–13: Bye-laws Ka Mahatva
- Bye-laws society ka constitution hote hain
- Membership, loan, interest, committee, audit sab isi se control hota hai
- Bye-laws Act ke viruddh nahi hone chahiye
Registrar bye-laws ko modify karne ke liye keh sakta hai.
5. Section 16–21: Membership Rules
- Kaun member ban sakta hai aur kaun nahi
- Member ke adhikar aur zimmedari
- Membership termination ke niyam
Non-member ko loan dena yahin par indirectly prohibited hota hai.
6. Section 28–31: General Body
- General Body supreme authority hoti hai
- AGM har saal karna anivarya
- Budget, audit report aur election yahin approve hote hain
Committee General Body ke prati accountable hoti hai.
7. Section 32–36: Managing Committee
- Committee ka gathan aur tenure
- Powers aur duties defined hoti hain
- Registrar ke paas supersede karne ka adhikar hota hai
Agar mismanagement hoti hai to Registrar direct action le sakta hai.
8. Section 38–40: Society Ke Funds
- Share capital
- Reserve fund
- Working capital
Funds ka upyog sirf bye-laws aur Act ke mutabik ho sakta hai.
9. Section 41–43: Loan Aur Credit Control
- Loan sirf members ko diya jaata hai
- Security aur repayment rules anivarya hote hain
- Over-lending par rok hoti hai
Credit Cooperative Society ke liye yeh sections bahut mahatvapurn hain.
10. Section 44–46: Accounts Aur Audit
- Proper books of accounts maintain karna
- Annual statutory audit compulsory
- Audit report Registrar ko submit karna
Audit delay par penalty aur inquiry ho sakti hai.
11. Section 54–56: Inspection Aur Inquiry
- Registrar ko society inspect karne ka adhikar hota hai
- Complaint par inquiry ho sakti hai
- Documents demand kiye ja sakte hain
Transparency yahin se enforce hoti hai.
12. Section 60–63: Dispute Resolution
- Member aur society ke beech disputes
- Registrar arbitration authority hota hai
- Civil court ka role limited hota hai
Isse disputes ka nirakaran tezi se hota hai.
13. Section 70–72: Offences Aur Penalties
- Galat accounting
- Illegal deposit acceptance
- Registrar ke order ka ullanghan
Penalty, fine aur prosecution tak ka provision hota hai.
14. Section 89–94: Liquidation
- Society band karne ke niyam
- Assets aur liabilities ka settlement
- Registrar ki supervision me liquidation
Yeh section failure cases ke liye hota hai.
15. Saral Nishkarsh
Delhi Cooperative Societies Act, 2003 ka focus nimn baaton par hai:
- Member protection
- Financial discipline
- Transparent governance
- Registrar ka strong supervision
Isi wajah se Delhi me Credit Cooperative Societies ke rules strict aur structured maane jaate hain.
“Tez growth se zyada zaroori hoti hai mehfooz growth.”
Credit Cooperative Societies sirf paison ka len-den nahi, balki aitbaar, insaaf aur bahami madad ka nizaam hoti hain.
Jahan commercial banking sirf munafa dekhti hai, wahin cooperatives insaan aur uske halaat ko samajhti hain.
“Jab hum milkar bachhat karte hain, aur milkar mushkil waqt ka muqabla karte hain, tabhi sahkar apni asal rooh dikhata hai.”