Golden Dream Saving and Credit Group is a member-owned community cooperative dedicated to transparent savings, fair credit, and shared economic prosperity in Sarlahi, Nepal. Empowering your family’s dreams through disciplined financial security.
780+
Active Shareholder Members
Up to 12%
Annual Fixed Deposit Rate
100%
Transparent Ledger Accounting
Member-Owned & Registered
Cooperative Act Regulated (सर्लाही)
Dual-audit verification & receipt for every deposit.
Competitive interest on regular, recurring & term savings.
Low-interest credit for agriculture, trade & education.
Serving local families with community pride.
Golden Dream Saving and Credit Group (सुनौलो सपना) was formed with a singular purpose: to free local families and entrepreneurs from predatory informal lenders and provide a safe, transparent cooperative home for collective wealth creation.
We believe that financial independence begins with small, consistent habits. Whether you deposit NPR 100 daily from your shop or invest NPR 100,000 in a fixed deposit, your money is recorded with complete auditability, protected by statutory reserve guidelines, and utilized to uplift fellow members through fair-credit lending.
Pillar 1
No hidden charges. Clear receipts and passbook recording for every single rupee.
Pillar 2
Transparent reducing-balance interest rates established democratically by the committee.
Pillar 3
Reinvesting local savings directly into agriculture, education, and businesses in Sarlahi.
Cooperative Creed · सहकारिताको भावना
“एकका लागि सबै, सबैका लागि एक – बचतमार्फत स्वावलम्बन, सहकार्यमार्फत समृद्धि।”
One for all, all for one — self-reliance through savings, prosperity through collective cooperation.
From your first piggy bank savings to multi-year business loans and share ownership, Golden Dream provides a complete suite of ethical cooperative solutions.
Regular, daily doorstep, monthly recurring, child education, and fixed deposits offering high annual interest yields.
View SchemesFair-rate loans for agriculture, retail business, emergency medical care, higher studies, and home improvement.
View Loan ProductsBecome a co-owner of the cooperative. Purchase shares, vote in the AGM, and receive annual dividend distributions.
How to JoinInstant physical & digital passbook records, financial counseling, and hassle-free document assistance for rural members.
Visit OfficeTransparent interest rates, zero hidden charges, and flexible deposit frequencies. Compare our schemes below and start building your financial cushion today.
Flexible deposit & withdrawal anytime during office hours.
Daily collector visits your shop or house with instant receipt.
Matures at term completion. Periodic interest payout available.
Deposit fixed amount each month for disciplined goal achievement.
Secures your child's higher education with special birthday bonus.
Empowering female heads of household with subsidized loan eligibility.
Transparent credit designed to empower, not overburden. Every loan is governed by committee policy with no surprise penalty traps or arbitrary charges.
For farmers, seeds, fertilizer, tractors, irrigation, and poultry/livestock.
Working capital for retail shops, trade inventory, workshops, and services.
Fast-track emergency relief for hospitalization, medical treatments, and urgent family needs.
For college tuition, technical courses, medical/engineering studies in Nepal and abroad.
Home construction, roofing, expansion, toilet facility, and property renovation.
For weddings, social occasions, solar energy installation, and urgent personal purchases.
Accurately estimate your monthly loan installment or project your savings maturity returns before visiting the office.
Estimated Monthly Installment
Membership at Golden Dream means owning an equal voice, voting rights in the Annual General Meeting, share dividend payouts, and access to low-interest community credit.
Fill the member application with your personal identification, permanent & current address, and nominee details.
Submit photocopies of Nepali citizenship certificate, two passport-sized photographs, and local address verification.
The executive committee reviews your application and issues your unique cooperative Membership ID card.
Subscribe to cooperative shares (NPR 100/share), open savings accounts, and enjoy full loan & dividend eligibility.
Member Rights & Privileges
Join hundreds of families across Sarlahi who trust Golden Dream with their savings and business aspirations.
Stay informed on Annual General Meetings, festive interest bonuses, dividend announcements, and cooperative branch news.
All respected shareholder members are cordially invited to attend the Annual General Meeting to review the audit report and declare the proposed 11.5% dividend payout.
Open or top-up any Fixed Deposit or Recurring Savings account during this festive season to receive an additional 0.5% p.a. bonus interest rate.
The cooperative central office will remain closed on festival holidays. Digital inquiries and doorstep collections will resume the following working day.
Clear, transparent answers regarding our interest calculations, account eligibility, and safety guarantees.
Our cooperative team in Sarlahi is always ready to welcome you with tea, answer your questions, and guide your financial journey.
Office Location
Sarlahi, Nepal
Golden Dream Saving and Credit Group (सुनौलो सपना)
Phone Support
01-4567890Email Inquiries
[email protected]Office Hours
Sun–Fri · 10:00 AM – 5:00 PM
Saturday: Official Holiday
Leave your details and our team will get in touch to assist you with accounts, loan criteria, or cooperative membership.
