SHG MIS · Sakhi MIS
The complete digital platform for SHGs, VOs and CLFs
From a single Self-Help Group's ledger to full CLF-level oversight — all in one system, built for how the field actually works.
How It Works
One structure, rolling up automatically
Illustrative example — a single cluster
SHG 1
SHG 2
SHG 3
SHG 4
SHG 5
VO — Village Organisation
CLF — Cluster Level Federation
₹4.86LTotal savings, this cluster
38Active SHGs
0Register mismatches
Every SHG entry rolls up to its VO, and every VO rolls up to its CLF — automatically, with no re-entry at any level.
The Flow
From a meeting register to a federation report
SHG
Savings and loans recorded at the meeting
Weekly or monthly meeting savings, internal loan disbursal and repayment go in on one screen — works offline too, and syncs the moment connectivity is back.
VO
Every member SHG's register, consolidated automatically
The VO never has to chase each SHG for its numbers — every member group's data rolls up into the VO dashboard on its own.
CLF
Federation-level report and inter-loaning, in one place
The CLF sees the financial health, corpus and inter-loaning status of every VO beneath it in one consolidated view — ready for CIF-format reporting.
Why Sakhi MIS
Eight reasons groups switch to it
Complete bookkeeping, automated
- Savings, internal loans, interest and repayments calculated and reconciled automatically — no manual arithmetic
- Every member gets her own digital passbook, accessible anytime
- No more lost, torn or misplaced physical registers
Built around government standards
- The five NRLM Panchsutra principles calculated live from real data, not entered by hand
- Instant A–D grading with specific, actionable improvement suggestions
- Know your bank-linkage readiness before the bank does
A true SHG → VO → CLF hierarchy
- Models all three tiers with real parent-child membership, not just labels
- A CLF sees the health of every VO and SHG beneath it in one view
- Adding an SHG to a VO, or a VO to a CLF, takes seconds
Manage one group or five hundred
- Every institution's data stays separate, secure and accessible only through its own login
- Scales with the organisation — no need to switch systems as it grows
Oversight from block to centre, safely
- Block, district, state and central offices instantly view every institution in their jurisdiction
- Viewers can never edit or delete — enforced as a hard rule in the code, not just a hidden button
- Monitoring teams get live dashboards instead of chasing manual reports
More than savings and credit
- Raw materials, recipes (Bill of Materials), production, stock and GST-compliant invoicing for SHG micro-enterprises
- Group savings/credit and enterprise finances kept cleanly separate — a "two-pocket" system
Designed for the field, not the office
- The entire interface is in Hindi, matching the language teams already use in their registers
- Works just as smoothly on a phone as on a computer
Your data, always safe, always yours
- Cloud-backed storage — data survives even if a device is lost
- Generate, print and share reports anytime, ready for audits and reviews
Who It's For
Built for every level of the federation
| User | What they get |
|---|---|
| SHG leaders and members | A complete digital record of savings, loans and meetings, plus a live Panchsutra score |
| VO / CLF office-bearers | A single view of the health of every member institution |
| NGOs / promoting institutions | The ability to manage dozens of SHGs from one place |
| Block / district / state offices | Region-wide oversight without field visits |
| SHG-run micro-enterprises | Savings and credit management combined with full business operations |
Everything Included
Complete feature list
Group Management
- Dashboard — fund position, active members, running loans, sales and Panchsutra score at a glance
- Group profile — formation date, meeting schedule, bank details, office-bearers, institution logo
- Member directory with individual digital passbooks and profile photos
- Meeting attendance and minutes
- Regular savings tracking
- Internal lending, interest calculation and repayment tracking
- Bank linkage and grading
Panchsutra
- Live scorecard across all five NRLM principles
- Detailed status and improvement guidance for each principle
Livelihoods & Enterprise
- Enterprise and category management
- Raw material and stock tracking
- Products and recipes (Bill of Materials)
- Purchasing and production
- GST-compliant billing and invoicing
Financial Reporting
- Income & expense tracking (two-pocket accounting)
- GST reports
- Print-ready summary reports
Hierarchy & Oversight
- Genuine SHG → VO → CLF structure
- Full hierarchy visualised as a tree
- Secure, view-only oversight at block, district, state and central levels
- Institution onboarding and membership management
Security
- Role-based login (institution / admin / department)
- Two-layer view-only protection — viewers can never make changes
- Fully isolated, secure data per institution
Billing In Practice
Invoices that build themselves
Billing / Invoice — illustrative exampleVO Service Charge — Aug 2026
#SVC-0842
SHG registration & onboarding₹1,200
Loan processing charges (4 loans)₹2,800
Federation membership fee₹950
Late fine adjustment−₹150
Total payable₹4,800
Service charges, loan processing fees and federation dues are calculated per tier automatically — no manual totalling, and every invoice is one click away.
- Separate billing rules for the SHG, VO and CLF tiers
- Late fines and adjustments applied automatically
- Bulk invoice generation, with PDF export
- Payment status visible on every dashboard, in real time
Pricing
What each tier costs
SHG
₹300/mo
or ₹3,000/year (festival offer till 15 Nov; regular ₹5,000)
VO
₹3,000
/year (festival offer till 15 Nov; regular ₹5,000)
CLF
₹3,000
/year (festival offer till 15 Nov; regular ₹5,000)
Built for the women who built this movement
"Now the bookkeeping is in their hands too."