AWAAM WELFARE MUTUAL BENEFITS NIDHILIMITED

Awaam Welfare Mutual Benefits Nidhilimited is based in Nagina, which is part of the Bijnor district. We are set up care of Isarar Ahamad at Akabran. It is a modest location, deep in the heart of the community. We don't have a big corporate sign or anything like that. People in Nagina know where to find us when they need to talk about their savings. Our work is very straightforward—we take in deposits from our members and provide small loans when they are needed for things like weddings or small business repairs. It’s a very old-fashioned way of doing things, based mostly on the fact that we all live in the same area. We spend a lot of time on paperwork because the government has a lot of rules for Nidhi companies, and we want to make sure everything is 100% correct. The office is usually filled with the sounds of the street and the occasional visitor dropping in to ask about their balance. We don't use fancy marketing because word of mouth works better in a place like Bijnor. If we do a good job, people tell their cousins and neighbors. That is how we have grown. We keep our costs low so we can keep going for the long haul. It is just a group of local people helping each other out with money matters, keeping things simple and honest without any of the complications you get at bigger banks.