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+”

Alliance Partners


Ananya Finance for Inclusive Growth Limited is an institution which is friendly towards MFIs. The institution extended its hands as a financial partner of BJS in June 2010 to help the organization to scale-up its operations. After the successful completion of the repayment of the first and second term loans on time, the institution extended the third term loan in favour of BJS in 2015. BJS is very much thankful to the Management of Ananya.


BGVB is a Regional Rural Bank sponsored by United Bank of India. It has been extending support to microfinance institutions across West Bengal. BGVB became the financial partner of BJS in November 2010. BJS has been enjoying a Cash Credit Limit with this Bank. The financial support extended by BGVB strengthened the BJS microfinance program further.


Canara Bank became a financial partner of BJS in May’ 2017 in the form of a Term Loan. The cooperation extended by Canara Bank was another encouragement to BJS towards its services of on-lending to the poor women for their socio-economic development.


BJS got Dena Bank in its financial partner's list in September’ 2014. The Bank extended credit facilities in favour of BJS in the form of Term Loan. Depending on the performance of the first loan the Bank was pleased to sanction another Term Loan in October’ 2015. The relationship between the Bank and BJS is growing day-by-day which is leading to provide more services for poverty alleviation from society.


Indian Grameen Services (IGS) extended their cooperation to BJS in September 2013 with a loan under LAMP Fund. After successful repayment of the first Term Loan, they have sanctioned another term loan in October’ 2015. BJS remembers the cooperation of IGS very much.


BJS got Indian Overseas Bank (IOB) as its financial partner list in July’ 2013. The Bank extended its financial assistance to BJS in the form of Term Loan. Considering the performance of BJS the Bank further extended its credit facility in 2015 and the limit was double than the previous sanctioned limit. The cooperation extended by the Bank will help BJS to expand its services towards mankind.


KIVA Micro funds, USA a non-profit organization with a mission to connect people through lending to alleviate poverty. Leveraging the internet and a worldwide network of microfinance institutions, KIVA lets individuals lend as little as $25 to help create opportunity around the world. KIVA became the financial partner of BJS in 2013. BJS gets funds from KIVA against External Commercial Borrowing (ECB) under the policy guideline of Reserve Bank of India. The partnership gave BJS the opportunity to have a platform to show its microfinance activities worldwide. BJS borrowers under KIVA Loan are now making their prosperous fortune with the help of a foreign investor.



Maanaveeya Development & Finance Pvt. Ltd. (Oiko Credit) extended a Term Loan facility to BJS in June 2010. With the assistance, BJS got a new financial partner. They had extended their second loan to BJS in February’ 2012. BJS wants to carry out the partnership through a long way in future also.


MILAApP became the financial partner of BJS in August’ 2014 through their crowdfunding program. BJS posts the borrowers’ profiles in the website of MILAAP and after the fund is generated MILAAP reimburse the fund to BJS. It’s a very noble job on the part of MILAAP and the partnership tie-up gave BJS an excellent opportunity to make another way out to help the poor people of our community.


Small Industries Development Bank of India (SIDBI) was specifically created to encourage Microfinance Institutions across the country. This development bank takes a positive and protective approach towards small MFIs and new entrants. BJS received its first term loan in March 2009. Looking at the transparent approach and quality service of BJS, SIDBI sanctioned further loans in the successive years in both forms of Sub-debts (IMEF) and Term Loan. With the active support of SIDBI, BJS is approaching further in a wider arena of its holistic services towards mankind.


In December 2008 BJS got this premier bank as its first financial partner. The organization has been receiving constant support and encouragement from this Bank. BJS has been enjoying a Cash Credit Limit facility with SBI. The support extended by SBI encouraged BJS to move forward with its noble service of microfinance towards poverty alleviation.


BJS has UCO Bank as its financial partner and the relationship started in March’ 2015 with the financial help of UCO Bank in the form of a Term Loan BJS could expand its service towards the downtrodden women for their poverty alleviation. The bonding between BJS and UCO is growing further day by day towards the expansion of the service in a much bigger volume. BJS is very much thankful to the management of the UCO Bank.


United Bank of India (UBI) gave their first sanction of a Term Loan in March’ 2015. Based on the holistic approach of BJS towards mankind, its quality work, excellent debt service performance UBI has extended another Term Loan within the next six months. Presently BJS has the highest amount of sanction from a single Bank/FI with UBI. The relationship is growing day-by-day. BJS banks on the excellent support from UBI and it is very much thankful to the UBI Management for their trust and support to BJS.


The No. 1 microfinance institution of India by dint of its volume of operation Bandhan extended its technical and financial support to BJS for a very unique project named Targeting Hardcore Poor (THP). It’s a very noble project for the ultra-poor for graduating them to the mainstream of the microfinance program through involving them in income-generating activities. Bandhan became the financial partner of BJS by providing 75% of the financial support of this project. They are also providing technical supports through arranging training for the clients as well as the staffs involved in the project. BJS is very much proud of this relationship with Bandhan.


National Bank of Agriculture and Rural Development (NABARD) provides effective credit support, related services, institution development and other innovative initiatives to promote sustainable and equitable agriculture and rural prosperity. The objective of BJS is also in the same line and depending on that NABARD extended both financial and technical support in favour of BJS in March 2014 to establish an employment generation project "BJS Handicrafts". BJS is very much thankful to NABARD authority for their active co-operation and supports.


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