HCFL (HINDUSTAN CREDIT FOR LOWER) NIDHILIMITED

We are located in Gram Sarawan, which is out in the Azamgarh district. The full name on the paperwork is HCFL (Hindustan Credit For Lower) Nidhi Limited, but mostly people just know us as the local office in the village. We operate out of Sandeep Singh’s place. It’s a simple village setting, so don’t expect a big office building or anything like that. We have our post office right here in Sarawan, zip code 276202. Being in a rural area like Azamgarh means things move a bit slower than in the big cities, and we’re fine with that. We sit at our wooden desks, look over the ledgers, and chat with the farmers or small shopkeepers who come in. It gets pretty quiet in the afternoons when the sun is high. We don't have a lot of fancy equipment—just the essentials to keep the credit records straight for the community. Sandeep is usually around to make sure everything is running okay. We started this because there was a need for it in our local gram, and we've just kept at it. It’s honest work, and we don’t try to make it sound like more than it is. If you're walking through the village, you'll find us easily enough near the main house. It’s just how things are done here in Sarawan, simple and direct for everyone involved in the credit setup.