NOTICE : At Dhanshristi, your contributions not only make a difference in society but also qualify for 80G tax exemptions, helping you save on taxes !
धनसृष्टि भविष्य निधि ट्रस्ट (जिसे पहले ग्रामीण विकास समिति के नाम से जाना जाता था ) भारतीय चार्टर ट्रस्ट अधिनियम 1882 द्वारा 10 जून 2025 को पंजीकृत एक सूक्ष्म वित्त संस्थान-एमएफआई है, जिसे पूर्ण वित्तीय समावेशन को बढ़ावा देने के लिए सूक्ष्म वित्त- बीमा और सूक्ष्म निवेश के कार्य क्षेत्र के लिए निडको ग्रुप, नई दिल्ली द्वारा स्थापित किया गया है। हम 2005 से अपने सहयोगी सदस्यों को उनकी जीवन शैली को विकसित करने के लिए निवेश, बीमा और वित्त जैसी वित्तीय समावेशन प्रदान करते हैं।
Dhanshristi Bhavishya Nidhi Trust ( formerly Known as Gramin Vikas Samiti ) is Micro Finance Institution- MFi Registered by Indian Charitable Trust Act 1882 on dated 10th June 2025 set up by Neidco Group, New Delhi for working area of Micro Finance- Insurance & Micro Investment to promote complete Financial Inclusion. We provide financial inclusion to our associate members like Investment , Insurance and Finance to grow their life style since 2005.
ग्रामीण विकास समिति (एमएफआई) की स्थापना 10 जून 2005 को सूक्ष्म बचत, सूक्ष्म बीमा और सूक्ष्म वित्त को बढ़ावा देने के लिए की गई थी। हमने 25 अक्टूबर 2005 को एक स्वयं सहायता समूह के सदस्य को 5,000 रुपये का अपना पहला सूक्ष्म वित्त ऋण वितरित किया।
Gramin Vikas Samiti (MFI) was established on 10th June 2005 to promote Micro Savings, Micro Insurance, and Micro Finance. We disbursed our first Micro Finance loan of Rs. 5,000 to an SHG member on 25th October 2005.
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Our Vision:
To build basic financial inclusion for needy SHG, JLG, Street Hawkers Groups & Farmers Group Dhanshristi members.
Our Mission :
In order to bring the common man on the path of prosperity we emphasize on Operational efficiency, integrity and always put a strong focus on high quality and cost-effective products & services. Constantly creating an environment of a perfect understanding of the member our each product or service is tailor-made to perfectly suit members needs.
Our Honorable Core Management
.Samir Kr. Singh
President-MD
B.Tech (Civil), MICE(I)
Chartered Engineer [C.Eng. ICE(I)]
MBA (Mkt), IIBF Certified DRA, NISM & CDAC Certified Financial Expert
We believe & realise
We believe that corruption has been one of the major obstacles to economic, political and social progress of our country. I believe that all stakeholders such as Government, citizens and private sector need to work together to eradicate corruption.
We realise that every citizen should be vigilant and commit to highest standards of honesty and integrity at all times and support the fight against corruption.
We, therefore, pledge:
* To follow probity and rule of law in all walks of life;
* To neither take nor offer bribe;
* To perform all tasks in an honest and transparent manner;
* To be accountable for our actions;
* To act in public interest;
* To lead by example exhibiting integrity in personal behaviour;
* To report any incident of corruption to the appropriate agency.
Key Roles of President-Managing Director
Our President is a senior-level executive responsible for overseeing the overall operations, profitability, and success of our corporation. Our President is a seasoned senior executive with over 27 years of extensive experience across Government and Corporate sectors.
He holds a :
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Bachelor’s degree in Journalism & Mass Communication.
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Bachelor’s degree in Civil Engineering (B.Tech), is a Chartered Engineer-[C.Eng. ICE(I)].
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Certified Educationalist by UGC-Delhi.
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Certified Fellow Member by Screenwriter Association-SWA, Mumbai.
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Certified DRA by Indian Institute of Banking & Finance-Mumbai.
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Social Stock Exchange-SSE Certification by National Insatiate of Securities Markets-Mumbai ( Infinitive by SEBI-Govt of Bharat).
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Financial Inclusion Growth-MFI Certification by Asian Development Bank Institute-ADBI ( Initiative by Asian Development Bank, Philippines ), Japan.
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Micro Finance Management Certification by Bankers Institute of Rural Development (BIRD)-Lucknow, Initiative by NABARD.
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Certified Cyber Defender by Ministry of Electronics & Information Technology - MeitY, Government of Bharat.
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Cyber Security -Safer Digital Space & Cyber Hygiene Certification by Ministry of Electronics & Information Technology, Government of Bharat.
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and has earned an MBA in Marketing. With his strong leadership and strategic vision, he is responsible for driving operational excellence, profitability, and long-term growth of the organization.
Award Honored :
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Lifetime Membership MICE(I) by The Institution of Civil Engineers, (India), Punjab.
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Lifetime Membership by Red Cross Society Jharkhand.
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Bharat Excellent Award by By Dr. G. V. J Krishnamurty Hon’ble former Election Commission, Govt of Bharat, FFI, New Delhi
MD's Key roles and responsibilities
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Strategic planning and vision: Develop and implement the corporation's long-term strategic plans and objectives, aligning with market trends and corporation goals to ensure sustainable growth and a competitive advantage.
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Financial leadership: Manage and oversee the corporation's financial performance, including budgeting, forecasting, investments, and resource allocation to ensure fiscal responsibility and profitability.
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Operational excellence: Direct and oversee all business operations, including sales, marketing, production, and customer service to ensure smooth functioning, efficiency, and productivity across all departments.
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People and culture development: Foster a positive workplace culture, promote employee engagement and development, and ensure a healthy work-life balance for employees.
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Stakeholder and investor relations: Build and maintain strong relationships with key stakeholders, including investors, board members, customers, and business partners.
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Risk management and compliance: Identify and manage potential risks, ensure compliance with legal and regulatory requirements, and uphold the corporation's ethical standards.
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Innovation and market adaptation: Drive innovation, embrace technological advancements, and ensure the corporation remains agile and adaptive to market demands and changes.
धनसृष्टि भविष्य निधि ट्रस्ट ने निवेशक प्रतिज्ञा ली है, जिसके तहत वह प्रतिभूति बाजार में एक विवेकशील निवेशक के गुणों को अपनाते हुए, सेबी और बीएसई आईपीएफ द्वारा जारी किए गए क्या करें और क्या न करें को ध्यान में रखते हुए, जिम्मेदारी से निवेश करने के लिए प्रतिबद्ध है। वित्तीय साक्षरता कौशल, ज्ञान और व्यवहार का वह गुण है जो किसी व्यक्ति को पैसे के बारे में सूचित निर्णय लेने में सक्षम बनाता है। वित्तीय साक्षरता, वित्तीय शिक्षा और वित्तीय ज्ञान का परस्पर उपयोग किया जाता है।।
Dhanshristi Bhavishya Nidhi Trust has taken the Investor Pledge, committing to make responsible investment in the Securities Market by adopting the qualities of a prudent investor, in letter and spirit, keeping in mind Do's and Don'ts issued by SEBI and BSE IPF. Financial literacy is the possession of skills, knowledge, and behaviors that allow an individual to make informed decisions regarding money. Financial literacy, financial education and financial knowledge are used interchangeably.
Our General Secretary is typically responsible for high-level administrative, organizational, and communication tasks acting as a crucial link between leadership, members, and the wider organization. Key duties include managing strategic communication, maintaining official records and correspondence, preparing for and minuting meetings, supporting governance, and overseeing operational efficiency to ensure the organization runs smoothly and aligns with its strategic goals.
Smt. Sarita Singh
General Secretary
Micro Finance Division
Executive Team
Our executive team is a group of financial expert people who work together to manage our organization to build financial consultant team . They are dedicated for the daily operations and strategic direction of the financial services & business development.
Dhanshristi Associate with Top Banks and NBFCs
Our social investment-Donation plan for microfinance involves a dual objective of achieving both positive social impact (e.g., poverty alleviation, women's empowerment, financial inclusion) and financial sustainability. Key components and goals of such a plan typically include:
Core Objectives & Target Audience
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Poverty Alleviation: Providing access to financial services for low-income individuals and communities who are excluded from traditional banking systems to help them escape the cycle of poverty.
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Financial Inclusion: Reaching marginalized populations (e.g., rural dwellers, women, self-employed entrepreneurs) with appropriate financial products such as micro-loans, savings accounts, insurance, and money transfers.
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Empowerment: Specifically targeting women entrepreneurs to promote their economic independence and enhance their decision-making power within their households and communities.
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Entrepreneurship and Job Creation: Enabling aspiring entrepreneurs to start or expand small businesses, thus fostering local economic growth and creating jobs.
Key Components of the Plan
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Product Diversification: Offering a range of financial and non-financial services beyond basic credit, such as financial literacy training, business development support, and technical assistance, to enhance the overall effectiveness of the loans.
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Responsible Lending Practices: Adhering to client protection principles to prevent client over-indebtedness, ensure transparent pricing, and implement effective grievance redressal mechanisms.
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Capacity Building: Investing in the institutional capacity of the Dhanshristi Bhavisya Nidhi Trust itself, through staff training, improved technology/MIS, and robust governance structures to ensure long-term sustainability and efficient operations.
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Strategic Partnerships: Collaborating with local stakeholders, government agencies, and other financial institutions to share resources, leverage funds, and create a supportive ecosystem for growth.
Disclaimer, Terms & Conditions
By using www.dhanshristi-bharat.org, you agree to our terms & conditions. We provide financial Inclusion services like Social Investment/Deposit, Micro Insurance , Micro Saving , Micro Finance and Instant loan etc. as per client requests under this agreement. Your personal data (name, address, email, phone, etc.) will be kept confidential, except where required by law. Data is used only for communication and internal purposes. www.dhanshristi-bharat.org may modify or discontinue services without notice. Clients must maintain secrecy of consultation reports. Disputes fall under Dhanbad-Jharkhand jurisdiction. Hiring our services does not create any legal liability for www.dhanshristi-bharat.org, and clients use our services at their own risk. No client communication imposes liability on us.