Message from Chairman



Jyotipunja Saving and Credit Co-operative Ltd. has been established under the co-operative act of Nepal in 2068 BS. It is a community-based, and member-owned, managed, and controlled organization. In the past nine years, we have developed a unique understanding of the financial needs of our valued members through constant interaction and services. Since its establishment, Jyotipunja is committed to maintaining the highest quality standards in financial services based on sustainable growth and development providing secure, quick and best services to its members.

Jyotipunja has built a very strong emotional bond with its members and depositors supported by the capable human resources and latest technology initiatives to deliver “value” and ensure total satisfaction to members. The financial growth and prosperity of our members is the ultimate aim of our services. Our motto is “together for prosperity” I express my sincere gratitude on behalf of Jyotipunja Saving and Credit Co-operative Limited, the board members and on my own behalf towards members, depositors and concern authority for their significant support and contributions.

Jyotipunja realizes the need for regulatory compliance equally well in its quest for meeting its members’ needs. The co-operative has therefore placed equal thrust on complying with all necessary regulations. Special focus is given on risk management and long-term sustainability. The co-operative is growing stronger, better, and in tune with the needs of our members. Despite the challenging market conditions, we have performed strongly for financial, social and environmental goals.

We are in the hi-tech age, we encourage all members to download our new mobile app, follow us on Twitter and like us on Facebook. And each month we’ll be in touch with our central eNews so you can keep up to date with what’s happening with your responsible institutions and we look forward to working with you.

I would like to thank all members, Directors, management team and staff for their valued contributions.

Thank You

Nawaraj Karki
Chair Person
Jyotipunja Saving & Credit Co-operative Limited