About Us
A Credit Co-operative Built on Trust
Shraddha Multistate Credit Co-Operative Society Ltd. serves members across states under the Multi-State Co-operative Societies Act, 2002 and CRCS oversight — led by Chairperson Mrs. Sonali Pradip Hiwarkar.
Our Story
Over eight years of putting members first
Founded with a simple mission — to make fair, transparent financial services accessible to every household and small business — the Society began as a single branch serving a handful of members in Pune.
Today, under Chairperson Mrs. Sonali Pradip Hiwarkar (8+ years in finance and banking), we focus on growing every woman entrepreneur in our area of operation, delivering competitive returns on member investments, and building one Shraddha family across communities — while modernising digital tools and branch service.
As a multi-state credit co-operative, we operate under the MSCS Act, 2002 with supervision by the Central Registrar of Cooperative Societies (CRCS), Ministry of Cooperation, Government of India — not as a commercial bank.
Years of Service
Branches
Members Served
Disbursed
What Drives Us
Our Core Values
Trust
Every decision we make is guided by transparency and the long-term interest of our members.
Community First
We exist to serve our members and the communities we operate in, not just to grow a balance sheet.
Member Ownership
As a co-operative, our members aren't just customers — they are owners with a voice in our governance.
Local Roots
Deep, doorstep presence across Maharashtra keeps us close to the people we serve.