Say goodbye to complex ledgers and manual calculations! Disha SHG is built specifically for the unique operational needs of SHGs, NHGs, and CBUs. Our application empowers your group leaders and members with accurate, transparent, and instantaneous financial management, fostering better governance and financial discipline.

Simplify your weekly or monthly meetings with a digital system that provides a single, reliable source of truth for all transactions and member records.

🔑 Key Features
💰 Comprehensive Financial Management

Savings Management: Effortlessly record and track mandatory and voluntary savings contributions from every member. View historical savings data and group accumulation at a glance.

Loans & Credit:

Issuance: Easily sanction and disburse loans to members within the group.
Repayment Tracking: Automated tracking of Principal and Interest payments on a scheduled basis.

Interest Calculation: Accurate, real-time calculation of outstanding loan balances and interest due.

Chit Fund/Rotating Savings Management: Manage internal chit fund cycles, contributions, and payout schedules with clear, dedicated modules.

Penalty & Fine Collection: Record and track penalties for late attendance, delayed savings, or other group-defined infractions, ensuring fairness and discipline.

Dividend Distribution: Calculate and manage the equitable distribution of profits/dividends to members based on agreed-upon rules and their participation levels.

👥 Member & Administration Tools
Member Management: Maintain a secure and organized digital directory of all group members, including contact information and enrollment details.

Digital Passbook (Member View): Every member gets a personalized view (or "Passbook") showing their individual history of savings, loan transactions, penalties, and dividend credits. This ensures complete transparency and builds trust.

Meeting Attendance: Record meeting attendance directly within the app, linking it to potential penalty calculations.

📈 Reporting & Transparency
Automated Reports: Generate instant reports on group performance, financial health, outstanding loans, collection efficiency, balance sheet, cash book, daily summary and member-wise summaries.

Data Security: Your group's sensitive financial data is secured and backed up, reducing the risk of loss compared to physical records.

✨ Why Choose Disha SHG?
Designed for You: Built with the core structure and practices of SHGs, NHGs, and CBUs in mind.

Transparency: Provides every member with real-time access to their financial standing, promoting accountability.

Efficiency: Drastically reduces the time spent on manual bookkeeping, freeing up time for group activities and livelihood promotion.

Download Disha SHG today and bring smart, digital transformation to your Self-Help Group!