Portfolio surpassed Rs.43 Crore || Twenty-seventh Branch of BJS at Saheberhat in Cooch behar district || Seventeen Financial Partners. || Nine Public Sector Banks as Financial Partners. || CoCA Grade “M4C2” || Rating Grade “MFI 3+”

Management Team

BJS has a very skilled and devoted Management Team. The members of the team at field level as well as Head Office are fully motivated to make the vision of the organization a success. Their commitment and loyalty towards the organization are the key ingredients to drive the organization forward.


Bishwajit Das

Founder & Chief Executive Officer

In 2006, Mr Bishwajit Das started his journey with a vision to contribute to society through poverty alleviation and women empowerment. His strong leadership led BJS to become an organization having a high level of social reputation. His vast knowledge in Microfinance and Social Development, untiring effort and strong commitment is the key to every stage of the success of BJS mission. A Master in Commerce Mr Das has a keen interest in Microfinance and has a total experience in the arena for more than 30 years. He has work experience in other leading organizations too. Through his long path in microfinance, he has received a good amount of training from reputed organizations like – UNITUS (Global Microfinance Accelerator), Access Development Services, ABN AMRO, Planet Finance etc.



Tapan Kr. Das

Tapan Kumar Das

Head Operations

Shri Tapan Kumar Das has more than 36 years of experience in NGO-MFI sector in renowned organizations. He has working experience in the sector as head of the projects in foreign countries too. He is an M. Com and done a certificate course on Management Skills for Rural Development in The Reading University, U. K.




C. Ranjan Barai

Subhasish Dam

Chief Financial Officer

33 years of Banking experience in various positions at Branches and Controlling. He is a B.sc. graduate.


Business Development

C. Ranjan Barai

C. Ranjan Barai

Head  Business Development

Shri Ranjan has more than 23 years of banking experience in different Managerial capacities including working in a foreign bank. He has a few years of experience of working in microfinance operation. He is an M. Pharm.


 Internal Audit

Santanu Sengupta

Head Internal Audit

21 years of working experience in an international development organization. He has vast experience in financial management including audit and administration in the development sector in different managerial capacities.


Training & Development

Samiran Adhikary

Head Training & Development

He is a Development Professional having more than 33 years’ experiences, working in National and International Development Agencies. He has 9 years’ experience in Micro Finance. He has gone through various financial trainings conducted by BIRD, EDA Rural System etc. He was a RP of SRLM, Govt. of WB.



 BJS Picnic- 2019

News Update


    In the journey, BJS believes itself fortunate to have come across several stalwarts who have added values to inspire and uphold our organization. On 30th July 2019, one such revered person viz. Mr. S.S.Bhat, Managing Director of Ananya Finance for Inclusive Growth Pvt. Ltd. has visited BJS Head Office. A cordial and threadbare discussion was held between him and Mr Bishwajit Das, CEO of BJS. He has emphasized on Financial Inclusion did by the MFIs is certainly a big driver for bringing about social change if done ethically. He has expressed his high contentment the manner BJS is functioning. 


    Once again State Bank of India has reposed faith on BJS and we proudly announce that they have sanctioned a fresh Term loan to the tune of Rupees Ten Crore (10 Crore) to BJS on 30.07.2019. This will assist growth for BJS in order to achieve its Business Development Plan and also contribute in attaining the objective of inclusive finance. A huge thank to great management of SBI.

  • The 13th Annual General Meeting of Belghoria Janakalyan Samity was held on 13th July 2019, at BJS Head Office. All the seven Executive Committee Members were present in the meeting where, the President, Mr. Satyabrata Chakraborty, presided over the meeting. Mr. Bishwajit Das, Secretary had presented the Secretary’s report and Budget for the next financial year. All the members participated in the agenda-wise discussions for the future growth of the organization. At the end of the meeting, on behalf of all the members of the Executive Committee, the President gave sincere thanks to the Secretary for his dynamic leadership to run the team of BJS and also mentioned the contribution of all staff for the growth of the organization.

  • 13th Foundation Day of BJS observed on March 13, 2019

  • BJS Annual Retreat was held on 30th December, 2018 at Duttapukur ,North 24 parganas.

  • Dr. Ahmed Mustaque Raza Chowdhury, Vice Chairperson, BRAC visited BJS on April 26, 2018. Dr. Chowdhury met Shri Bishwajit Das, Chief Executive Officer, BJS and all other staffs of BJS at Head Office.

  • BJS arranged a grand program for Blanket Distribution among the needy women at Katiahat, Baduria, North 24 Parganas on 3rd February,2018. Shri Bishwajit Das, Chief Executive Officer, BJS welcomed all the women and also distributed blankets to the women. Shri Ashok Kumar Mohapatra, Chief Manager Indian Overseas Bank and Shri Shiv Ram Jha, Branch Manager were present in the occasion.

  • BJS received Highest Portfolio Award from AMFI-WB in the 3rd Eastern India Microfinance Summit 2018...

  • Annual picnic of BJS was held on 7th January 2018 at Badu,Madhaymgram

Our Achievements

As on 31stAugust 2019
No. of Branches : 27
No. of Districts : 6
No. of Blocks : 52
Total Staff Strength : 125
No. of Frontline Staff : 78
No. of Active Groups : 2,153
No. of Active Members : 28,839
No. of Active Borrowers : 23,504
Cummulative Loan Disbursed (in Lakhs) : 37,181.92
Loan Portfolio (in Lakhs) : 3,970.88
Average Loan Size on outstanding : 16,894
On time Repayment Rate : 99.96%
Amt. of Loans Outstanding per Credit Officer : 50.91

Where We Work