Welcome To Jammu and Kashmir Multipurpose Co-Operative Limited
Empowering Communities,
Building Futures
We are committed to strengthening communities through unity, trust, and shared growth.
10
Years
Experiance
About Us
The Jammu and Kashmir Multipurpose Co-Operative Societies Limited
The Jammu and Kashmir Multipurpose Co-Operative Societies Limited is a member-driven organization established to promote economic empowerment, financial stability, and social development within our community. Built on the cooperative principles of self-help, self-responsibility, democracy, equality, equity, and solidarity, we exist to serve the collective interests of our members through sustainable and inclusive initiatives.
As a multipurpose cooperative, we provide a diverse range of services tailored to meet the evolving needs of our members. These include savings and credit facilities, investment opportunities, agricultural and trading support, consumer goods distribution, capacity-building programs, and community development projects. By pooling resources and working together, our members benefit from shared opportunities and reduced financial barriers.
We are committed to transparency, accountability, and good governance. Our leadership structure ensures that every member has a voice in decision-making, reinforcing our belief that cooperation is the foundation of lasting progress. Through innovation, strategic partnerships, and responsible management, we strive to create long-term value and sustainable growth.
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Happy Members
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Total Branches
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Owned Properties
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Award Winning
Our Services
Our JKMCL service
Third-party loan services providing accessible financing through trusted partner institutions for members.
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Third-party life insurance coverage offering financial protection and security for members’ families.
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Membership benefits including savings opportunities, financial support, dividends, and community empowerment programs.
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Secure membership deposit enabling savings growth, loan eligibility, and long-term financial stability.
View DetailOur Workflow
The Way We Work
Member Enrollment
We register members, verify eligibility, and understand their financial, housing, or service needs.
Planning
We assess member requirements and design suitable cooperative programs.
Implementation
We execute approved services transparently and efficiently.
Audit & Member Support
We ensure accountability, compliance, and continued member satisfaction.
JKMCL Members Services
Bachat Box Plans
Start with as low as ₹500 and earn.
Daily Grow Plans
Automated monthly deposits that grow your corpus.
Member Protection
Transparent rules, audited funds, cooperative governance.
Easy Withdrawals
Quick and transparent withdrawal process for members.
Benefits
Third Party Loan Benefits
Third Party Loan
Get essential legal support for simple cases
and queries.
Loan Against Property
Home Loan
Business Loan
Personal Loan
Vechile Loan
Education Loan
Third Party Life Insurance
Comprehensive services for moderately
complex legal needs.
Saral Jeevan Bima
Yoya Credit Life
New Jeevan Shanti
Child Money Back
Jeevan Utsab
Jeevan Umang
Bima Jyoti
Membership Benefits
Full-scale legal representation with priority
support.
Basic Membership (₹ 21/ ₹ 51/ ₹ 101)
Silver Membership (₹ 501)
Gold Membership (₹ 1100)
Premium Membership (₹ 2100)
0 % Intrest Marriage Loan
Support Loan facilities up to ₹ 2,00,000
Healt and Personal Assistance
Client Testimonials
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