VIBHUTI NIDHI LIMITED

We are over in Muzaffarabad at house number 394. This is the place of Mukesh Kumar, who is the son of Ilam Chand. It is located in Saharanpur. We have a small setup here where we manage Nidhi business for the local community. It is a very humble office with just the essentials. We have some desks, some old chairs, and a lot of paper files stacked up. We do not believe in having a fancy office when simple ones work just as well. Most of our day is spent talking to people from the village who want to save a little bit of their earnings. We do not use any high-tech systems or complicated banking software. We just use our pens and paper to keep track of everything. It is an honest way of working that people around here appreciate. Saharanpur is a busy place, but Muzaffarabad has its own feel, and we are glad to be a part of it. We are not some big corporate entity from a far-away city. We are just local people who know what it is like to live and work here. We keep our doors open for anyone who needs to drop off their savings or just wants to check their balance. It is not a glamorous job, but it is important to us and the people we serve. We just take things one day at a time and keep our records straight.