is a project where Sarokar Management Team is working to perform the job as per the Islamic Banking System. It has been established on 11th Asadh 2070 (25th June 2013). Head Office of Sarokar Co-operative Bhutaha Bazar Sunsari is remained open 365 days to provide banking services. Office Timing (Head Office Bhutaha 365 Days)
Sunday - Friday 9:30 AM to 4:30 PM
Saturday & Holidays - 9:30
AM to 1:30 PM
Sarokar is providing Internet Banking, Mobile Banking and Card Banking Services. it has one own ATM Machine attached in head office Bhutaha. Sarokar has various types of deposit products to meet the expectations of shareholders and they're
01) Current Saving Accounts
02) Daily Saving Accounts
03) Monthly Saving Accounts
04) Compulsory Monthly Saving Accounts
05) Fixed Deposit Accounts
06) Yearly Deposit Accounts
07) Normal Saving Accounts
08) Special Saving Accounts
09) Sarokar Saving Accounts
10) ChunniMunni Saving Accounts
11) Pension Saving Accounts
12) Muhar Saving Accounts
13) TMCL Saving Accounts
14) Hajj Saving Accounts
15) Other Saving Accounts
In the same way, Sarokar Management is working to deliver its corporate social responsibilities in a different way by managing different types of fund accounts so that outsiders and stakeholders can also support the needy and deprived people of society. And the funds are
1) Emergency & Relief Fund
2) Interest Deposit Fund
3) Qarde Ahsan Fund
4) Student Scholarship Fund
5) Sadaqa & Khairat Fund
6) Waqf Deposit Fund
7) Zakat Fund
8) Sadqatul Fitra Fund
9) Other Deposit Funds
Similarly, we have several types of loan and advance system to provide the credit facilities. They are
A) Partnership Loan Products
1) Mudaraba Business Loan
2) Musharaka Partnership Loan
3) Diminishing Musharaka Loan
B) Ijarah & Rental Loan
1) Ijarah Loan
2) Ijarah Wa-Iqtina Loan
C) Product Loan
1. Bai Murabaha Loan
2. Bai Al-Salam Loan
3. Bai Istisna Loan
D) Service or Cash Loan
1. Service Loan
2. EMI Service Loan
3. Safe or Secure Loan
4. TMCL Loan
5. Group Guarantee Loan
E) Khidmah Loan
1) Qarde Ahsan (A)
2) Qarde Ahsan Employment Generation Loan (B)
In order to provide remittance services, Sarokar has signed an agreement with more than 50 remit companies of Nepal. Among them IME, Prabhu Money Transfer, Himal Remit, City Express, IPAY Remit, Samsara Remit, GME Remit, Nepal Remit, eSewa Money Transfer are some important remittance service proving companies. Sarokar came into existence with the joint effort of 29 youths of Bhutaha Sunsari from one lakh as initial capital and now it has reached to approximately thirty cror. More than 5000 share members are being benefited and contributing the sarokar to become a pioneer and examplary cooperative in the district and country as well. Presently Sarokar has two branches as Ghuski and Pokhari Chauk Branch and one branchless banking service in Inaruwa Municipality Sunsari. Sarokar is providing 24 hours mobile banking and ATM services by an individual account holder can transfer funds to any bank and vice versa. Similarly, daily balance transfer in eSewa, IMEPAY and Khalti wallet can be performed very easily using Smart App. Services of Sarokar Mobile Banking
1) Balance Checking
2) Mobile Recharge
3) Data and Voice Pack Purchase
4) Wifi Recharge
5) TV Recharge
6) Water Bill Payment
7) NEA Payment
8) Wallet Load (eSewa, Imepay and Khalti)
9) Internal Account Transfer
10) Bank Fund Transfer
11) Bank to Cooperative Transfer
12) Insurance Payment
13) Loan Payment
14) Domestic Flight Ticketing
15) Remittance receive and Payment
16) ePayment Request
17) Spot Payment
18) e-Teller Payment
19) Scan and Pay etc
SCT Chip based Debit ATM Card is given to valued share members free while mobile banking service is being provided @ the NPR 100 only on yearly basis. Sarokar has one own ATM Machine installed attached to the head office in Bhutaha Bazar that supports the ATM cards of
A) List of Class A Bank
1) Himalayan Bank
2) Prabhu Bank
3) Global IME Bank
4) Everest Bank
5) Civil Bank
6) Agricultural Development Bank
7) Mega Bank
8) Nabil Bank and
9) NMB Bank. B) List of Class B Banks
1) Green Development Bank
2) Karnali Development Bank
3) SaptaKoshi Development Bank
4) Sindhu Bikas Bank
Using Sarokar ATM card one can withdraw at least 48000 daily in any ATM of Nepal while 10,000 IC can be received in India. For ATM and Mobile Banking services our share members can contact at 9827374000, 9815305059 and 9819091051. Vision
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To become the first choice of the community for financial benefits and solutions. Mission
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Working for the upliftment of the livelihood of valued members by providing a higher degree of financial and non-financial services. Goal
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• To provide qualitative and competitive financial services.
• To provide non-financial services to the valued share members.
• To manage and mobilize local resources properly.
• To give emphasis on professionalism and generate opportunities for employment for the members.
• To ensure organizational development by producing efficient and energetic human resources.
• To establish an exemplary organization developing unique products and services for the betterment and welfare of the valued members.
• To provide economic justice by mobilizing funds in all the sectors and clusters of the society. Objectives
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• To develop the firm as an efficient financial institute by managing capital adequacy.
• To develop the firm as a resourceful institute by increasing and extending infrastructure using modern technology and techniques.
• To develop the employees and members as modern and competitive and capable of providing quality services by enhancing their skills and enthusiasm.
• To provide effective financial service to the members with diversified savings and credit facilities.
• To search and identify new areas of investments.
• To assist in the progress of traditional professions by making them more competitive and introducing necessary reform.
• To emphasize on the optimum utilization and promotion of local resources and skills.
• To conduct co-operative education and awareness programs to reduce the social evils, superstitions, harmful indulgence and extravagance.
• To express solidarity, show participation and take leadership at the local and national level to carry forward the campaign of co-operatives.
• To conduct related programs for the social security of the members.
• To take initiative to develop unity and feeling of co-operatives among the members by accepting the core values and principals of co-operatives. Core Values
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• Will always be committed to provide qualitative, affordable and effective service to the members at the local level.
• With a high sense of respect to the accepted principles of co-operative, will adopt them in our day to day function of the institution.
• Will follow the institutional core values heartily.
• Every decision of the institution will be taken in a completely democratic way.
• We are always aware of the members' right to timely information on the activities of the institution.
• While providing service to the members, we will always ensure our impartiality, equal preference to all the members and a prompt delivery of service.
• Will always strive to maintain good governance in the institution.
• Every employee holding any post will remain fully responsible and accountable to the institution.
• Everyone of the executive committee, sub-committee, employee and all the members will be inspired by the feeling of 'We'.
• The confidentiality of personal details and financial transaction of every member shall be maintained well.
• The institution will always consider labor skill and industry as its assets.
• We will direct our programmes towards the qualitative life style and professionalism of its members.
• We are committed to disseminate information on the rights, responsibilities and duties of the members by conducting various awareness programmes.
• The institution is committed to assist in the community development projects to the best possible extent.
• We are committed to provide competitive return to its member proportionate to their investment.
• All the transactions and activities of the institution will be fully transparent.
• No one shall violate the rules and regulations of the institution or interpret them as one likes for the fulfillment of one's own interest.
• We are committed to carry out our activities to uplift the socio-economic condition of the disadvantaged women, Dalits, ethnic groups and other marginalized communities.
• We are committed to making the members fully moral, disciplined and good-natured.
• We will accept any type of serious and essential feedback as our guidelines.
Details:-
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Md. Mozammil Haque
Chairperson
9815305153, 9827374000
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Mr. Wasique Alam
Asst.Manager
9815305059, 9817343041
Mr. Arif Ansari
Cashier
9805340424
Mr. Meraj Alam
Account Officer
9819091051
Mr. Salman Siddique
Remittance Officer
982-7325838
Mr. Fahad Siddique
Teller
9829397929
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Mr. Jameel Siddique
Branch Head
9807321395
Mr. Sajid Ansari
Officer
9805375709
Mr. Shahbuddin Ansari
Cashier
980-4373397
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Mr. Bijay Kumar Mehta
Branch Head
981-0587333, 982-6367021
Mr. Parwez Alam
Senior Officer
9804049222
Mr. Manoj Kumar Sardar
Cashier
981-0515744
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Mr. Santosh Kumar Sharma
Accountant
Sunsari Trade Concern
980-430-6136, 974-6855488
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Mr. Noushad Ansari
Proprietor
City General Store, Inaruwa
980-225-5055, 980-430-2262
Mr. Shahrukh Ansari
Manager, City General Store
980-4052777
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