Lodge a Complaint — IMCS
Info Micro-Credit Co-operative Society (IMCS)
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Every Dream Deserves an Opportunity.

Filling the gaps by Meeting Fair Financing (F3) requirements to the poor section of community in a very Transparent, Timely and Target Oriented (T3) manner is at the nucleus of Info Micro-Credit Co-operative Society (IMCS).

Serving since
2012
Operations began April 2012.
Registered under the Uttarakhand Co-operative Act 2003 Reg. No. SRAUK-05
At a glanceAs on 31 March 2026
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Loan Products for a Brighter Tomorrow

Flexible loan solutions to support your family, livelihood, education and business.

All four loans: 16% APR (15% flat + 1% processing fee) · repaid in 50 weekly instalments
View All Products

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How a loan works

See the full loan process
  1. 01

    Join a group

    Groups of 5 women members; 3–8 groups form a centre.

  2. 02

    Credit screening

    Residence, nature of business, income-to-expense ratio and ability to service the loan.

  3. 03

    Disbursement

    Disbursed at the centre meeting place.

  4. 04

    Weekly repayment

    Loan and interest in 50 installments, collected at weekly centre meetings.

Why Families Choose IMCS

Fair, transparent financing that supports livelihoods and creates opportunities.

Women at work: a bangle seller, a self-help group, a tailoring unit and a weaver
01

Easy Access to Credit

Collateral-free microcredit designed to support eligible customers.

02

Transparent Financing

Clear loan terms, responsible lending and straightforward communication.

03

Convenient Repayment

Repayment through weekly centre meetings, as applicable to the loan product.

04

Customer-Focused Support

Timely assistance throughout the loan journey.

05

Financial Inclusion

Helping underserved communities access formal financial services.

Documents & updates

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Grievance & customer support

Have a concern? Tell us.

Raise a Complaint
Head office2nd Floor, 246, Bankhandi Road Rishikesh (Uttarakhand)
Grievance officerRavi KantBranch Manager Rishikesh8273668063imcsrishikesh@gmail.com

Who We Are

Building Financial Access With Responsibility

We are committed to making finance accessible, transparent and responsible—supporting individuals and businesses in their journey towards greater financial stability and growth.

AccessFor individuals
SupportFor businesses
GrowthFinancial stability
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Our Story

Registered under
Uttarakhand Co-operative Act 2003
Registration no.
SRAUK-05
Operations began
April 2012
Head office
2nd Floor, 246, Bankhandi Road Rishikesh (Uttarakhand)

The IMCS Co-operative Society has been formed for the purpose of extending micro credit to the members who are unable to access finance from the mainstream banking channels.

The alternate source for such people normally is the private money lenders whose rates of interest ranges anywhere from 30% to upwards of 100%. The Society has been started by a team of very well experienced and knowledgeable professionals with vast experience and complementary skill-set in Micro Financial Services.

Word-of-mouth publicity has indeed proven to be an effective means of advertising for IMCS concerning the Self-Help Group loan scheme, as 1425 active Joint Liability Groups (JLG) have formed under IMCS since the society's birth, a figure that continues to grow.

Follow our journey
IMCS women members reviewing group ledgers together at a centre meeting

Our Mission

To make available finance at reasonable cost and in a transparent manner.

IMCS was formed to extend micro credit to members who are unable to access finance from the mainstream banking channels. The alternate source for such people is normally the private money lender, whose rates of interest range anywhere from 30% to upwards of 100%.

We aim to achieve acceptable returns on investment so that we can continuously attract mainstream capital and human resources to better serve our chosen client segments.

Our Vision

Economic empowerment of our members, with a goal to help the poorest of the poor.

We work as an effective and alternative micro finance institution, providing quick and adequate financial assistance, along with technical assistance wherever necessary, for income generating activities of members from the poor, middle and lower middle class. IMCS mobilizes unemployed, poor and underprivileged people, especially women, through the SHG movement.

A woman member running her tailoring business in a hill town

Our Values

Integrity → Transparency → Responsibility → Customer Focus

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Our Journey

From one branch in Rishikesh to seven areas of working.

IMCS was registered in January 2012 under the Uttarakhand Co-operative Act 2003 to extend micro credit to members unable to access mainstream banking. Starting with a single branch in Rishikesh, the Society has grown steadily through the Joint Liability Group model, disbursing ₹50 Cr in loans to 17,840 members across 5 branches, as on 31 March 2026.

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Our Journey

From one branch in Rishikesh to seven areas of working.

IMCS was registered in January 2012 under the Uttarakhand Co-operative Act 2003 to extend micro credit to members unable to access mainstream banking. Starting with a single branch in Rishikesh, the Society has grown steadily through the Joint Liability Group model, disbursing ₹50 Cr in loans to 17,840 members across 5 branches, as on 31 March 2026.

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Leadership & Governance

People Behind the Purpose.

The Board of Directors of Info Micro-Credit Co-operative Society (IMCS), extending micro credit to members who are unable to access finance from the mainstream banking channels.

Board of Directors

Promoters of Info Micro-Credit Co-operative Society (IMCS).

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Management & Team

The executive management of Info Micro-Credit Co-operative Society (IMCS).

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Our Impact

Numbers That Tell Our Story

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Our Reach Dehradun & Haridwar districts, Uttarakhand
Head office Branch Area of working

Governance & Policies

Built on Trust. Guided by Accountability.

IMCS is a co-operative registered under the Uttarakhand Co-operative Act 2003, with 4 working members in its Management Committee.

Registration No.SRAUK-05
NatureCo-operative
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A stronger financial future starts with responsible support.

Explore Our Products Contact Us

Investor Relations

Transparency in Finance. Confidence in Growth.

Explore our financial performance, corporate disclosures and governance practices as we work towards sustainable and responsible growth.

Policies & Documents

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We're Here to Listen

If something hasn't gone right, tell us. Every complaint is read by our team and handled with care.

Submit a Complaint

Lodge a Complaint

Fill in the form to prepare an email to our head office, or reach us directly.

Emailimcsrishikesh@gmail.com
Head office2nd Floor, 246, Bankhandi Road Rishikesh (Uttarakhand)
Sent directly to imcsrishikesh@gmail.com.

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How it works

01Submit your complaint
02We review it
03We respond to you

Grievance policy & escalation

Grievance officerRavi Kant, Branch Manager Rishikesh8273668063imcsrishikesh@gmail.com

Build Your Future. Grow With Us.

Join our community — to make a difference and give your life a meaning

Explore Opportunities

Life at IMCS

Work That Creates Change.

IMCS extends micro credit to members who are unable to access finance from the mainstream banking channels. Our teams work alongside these communities, supporting their economic empowerment.

01

Meaningful Work

IMCS mobilizes unemployed poor and underprivileged specially women through SHG movement.

02

Learning on the Job

Financial Literacy & Rural Finance training, workshops, community mobilization; internal staff trainings.

03

A Growing Network

5 branches: Rishikesh (Head Office), Dehradun, Haridwar, Herbertpur and Roorkee (Laksar).

Current Openings

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No openings are listed right now New vacancies will appear here with role, department, location and eligibility.

Hiring process

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Don't see a suitable role?

Send us your CV and we'll keep it on file for future openings.

Email your CV
imcsrishikesh@gmail.com0135-24373210135-2430993

Get in Touch

We’re Here to Help.

Have a question, need information, or want to connect with our team? Reach out to IMCS and we’ll guide you in the right direction.

Contact Our Team

Contact details

Fax0135-2430993
Head office2nd Floor, 246, Bankhandi Road Rishikesh (Uttarakhand)Open in Google Maps

Send an enquiry

Sent directly to imcsrishikesh@gmail.com.
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Office Location

Head office in Google Maps

Area of working

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How can we help?

Loan products Lodge a complaint Investor relation Careers

Our Impact

Creating Change That Reaches Communities.

Through microfinance, financial awareness and community-based initiatives, IMCS works to expand opportunities for underserved communities, especially women.

An IMCS loan being handed to a member at a centre meeting by the river

Impact at a Glance

Since 2012Registered co-operativeRegistered under the Uttarakhand Co-operative Act 2003, Reg. No. SRAUK-05.
Groups of 5Joint Liability GroupsWomen members form groups of five; 3–8 groups form a centre, with one leader per group and centre.
7 areasWhere we workRishikesh, Ranipokri, Bhaniyawala, Doiwala, Raiwala, Haridwar and Herbertpur.

How IMCS Creates Impact

01

Financial Inclusion

Improving access to financial services for underserved communities.

Micro credit for members who are unable to access finance from the mainstream banking channels — collateral-free micro-credit at the doorstep.

02

Women’s Empowerment

Supporting women through community-based and Self-Help Group initiatives.

IMCS mobilizes unemployed poor and underprivileged specially women through SHG movement, and works through women’s groups (Centers).

Groups of 5 women members; 3–8 groups form a centre, with one leader per group and centre.

03

Financial Literacy

Promoting financial literacy and responsible financial practices.

Members attend workshops, training programs and exposure visits, alongside Financial Literacy & Rural Finance training.

From Access to Opportunity

How our work is intended to support progress. Each member’s journey is different.

  1. 01 Access to Financial Services
  2. 02 Financial Awareness
  3. 03 Greater Financial Confidence
  4. 04 Opportunity for Growth

Community Impact

Why inclusive finance matters

“Microfinance is a tool to eradicate poverty and create sustainable livelihood support to poor families.”

The poor lack access to credit rather than unaffordable terms. Banks require stable income, prefer few large loans and need collateral, so the alternative is often private money lenders charging 30% to upwards of 100%.

Building Asset

Working capital to generate income, build assets and move toward self-reliance.

Supporting Livelihood

Based on the Grameen peer-lending model of the Grameen Bank of Bangladesh.

Micro Enterprises

Promoting micro enterprises in rural areas, where women depend on agriculture and micro/small enterprises.

Every Community Deserves an Opportunity to Grow.

Learn more about IMCS, our work and the communities we serve.

About Us Our Products
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All Products & Services
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Apply Now
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How it works

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Other loans

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Products & Services

Small Steps. Bigger Possibilities.

Explore financial solutions designed to support income-generating activities and opportunities for growth.

Explore products

Income Generation Loans

IMCS provides basic financial services such as Micro Finance within the Members of the society for income generation activities and empower their livings.

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Product Details

Download (CSV)
ProductLoan size (Rs)Interest (A)Processing fee (B)APR (C = A + B)
{{ p.hi }}{{ p.en }} {{ p.range }} 15% Flat 1% 16%
ProductLoan size (Rs)
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This is the same for all four products.
Interest (A)
15% Flat
Processing fee (B)
1%
APR (C = A + B)
16%

Income Generation Loan — 1st Term up to ₹25,000; 2nd Term onward up to ₹60,000. Loan and interest in 50 installments, collected at weekly centre meetings.

Loan Process

Joint Liability Group (JLG) model

Groups of 5 women members; 3–8 groups form a centre; one leader per group and centre; joint liability — each member guarantees repayment of others. Members attend workshops, training programs and exposure visits.

  1. 01

    Group & Centre Formation

    Village survey, information meeting, groups of five; 3–7 day training on goals and procedures; staff do a quantitative baseline evaluation; the group then joins the centre.

  2. 02

    Credit Screening

    Minimum 5 years at same residence, nature of business/activity level, income-to-expense ratio and ability to service loan; sales officer physical house verification.

  3. 03

    Loan Disbursement

    Papers to Branch Manager; approval by delegated powers; random BM house visits; data entered in system; disbursed at centre meeting place.

  4. 04

    Collection Process

    Weekly centre meetings; every member present and deposits installment with IMCS field staff. Loan and interest are repaid in 50 installments.

Responsible Borrowing

Interest (A)15% Flat
Processing fee (B)1%
APR (C = A + B)16%

Borrow within your means

Credit screening considers the income-to-expense ratio and ability to service the loan.

Repay on schedule

Loan and interest in 50 installments, collected at weekly centre meetings.

Shared responsibility

Joint liability — each member guarantees repayment of others.

Have a concern about your loan? Lodge a Complaint

Not sure which loan fits?

Talk to our team or visit your nearest branch.

Contact Us Our Impact

Resources

FAQs, documents and policies in one place.

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FAQs

Can’t find an answer?

Send us an enquiry

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