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GEORGE FERNANDES

“St. Milagres Credit Souhardha Co-operative Society Ltd. ತನ್ನ ಸ್ಥಾಪನೆಯ ದಿನದಿಂದಲೂ Integrity, Accountability ಮತ್ತು Service Excellence ಎಂಬ ಮೌಲ್ಯಗಳನ್ನು ಅಳವಡಿಸಿಕೊಂಡು ಸಮಾಜಕ್ಕೆ ನಿಷ್ಠೆಯ ಸೇವೆ ಸಲ್ಲಿಸುತ್ತಿದೆ. As the President of this esteemed institution, it is my formal responsibility to uphold these values with unwavering commitment.

ನಮ್ಮ ಸಂಘದ ಶಕ್ತಿ — ಸದಸ್ಯರ ವಿಶ್ವಾಸ, ಸಿಬ್ಬಂದಿಯ ನಿಷ್ಠೆ ಮತ್ತು ನಿರ್ವಹಣೆಯ ದೃಢಸಂಕಲ್ಪ. ಈ ಮೂರು ಸ್ತಂಭಗಳ ಮೇಲೆ ನಾವು 111 ಶಾಖೆಗಳ ಅಭಿವೃದ್ಧಿಯನ್ನು ನಿರ್ಮಿಸಿದ್ದೇವೆ. ಸಂಸ್ಥೆಯ ಉದ್ದೇಶ ಕೇವಲ ಹಣಕಾಸು ಸೇವೆ ನೀಡುವುದಲ್ಲ; ಸಮಾಜದ ಪ್ರಗತಿಯ ಪ್ರತಿಯೊಂದು ಹೆಜ್ಜೆಯಲ್ಲೂ ಸಹಕಾರಿ ಮೌಲ್ಯಗಳನ್ನು ಬೆಳೆಸುವುದು ನಮ್ಮ ಧ್ಯೇಯ.

Today, in an era of rapid digital transformation, efficiency, transparency, and innovation are no longer optional — they are essential.

Technology + Teamwork = Transformation — ಈ ತತ್ವವೇ ನಮ್ಮ ಮುಂದಿನ ದಾರಿ. ಈ ಹಿನ್ನೆಲೆಯಲ್ಲಿ, ನಮ್ಮ ಸಂಸ್ಥೆ ತಂತ್ರಜ್ಞಾನಾಧಾರಿತ ವ್ಯವಸ್ಥೆಗಳ ಮೂಲಕ

  • ಉತ್ತಮ ಆಡಳಿತ
  • ವೇಗದ ಸೇವಾ ವಿತರಣೆ
  • ನಿಖರ ದಾಖಲೆ ನಿರ್ವಹಣೆ
  • ಸದಸ್ಯಕೇಂದ್ರಿತ ಕಾರ್ಯಪದ್ಧತಿಯನ್ನುಬಲಪಡಿಸುತ್ತಿದೆ.

ನಾವು ತೆಗೆದುಕೊಳ್ಳುತ್ತಿರುವ ಪ್ರತಿಯೊಂದು ನಿರ್ಧಾರವೂ ಸಂಸ್ಥೆಯ ದೀರ್ಘಾವಧಿಯ ಸುಧಾರಣೆ ಮತ್ತು ಸದಸ್ಯರ ಹಿತದೃಷ್ಠಿಯಿಂದ ಕೈಗೊಳ್ಳಲ್ಪಟ್ಟಿರುವುದು. As President, I firmly stand for strong governance, disciplined operations, and uncompromising ethical standards.

ನಮ್ಮ ಸಿಬ್ಬಂದಿಯಿಂದ ನಾನು ನಿರೀಕ್ಷಿಸುವುದು —

  • Dedication with discipline
  • Performance with purpose
  • Service with sincerity
  • ಸದಸ್ಯಕೇಂದ್ರಿತ ಕಾರ್ಯಪದ್ಧತಿಯನ್ನುಬಲಪಡಿಸುತ್ತಿದೆ.

ನಮ್ಮ ಸಂಸ್ಥೆಯ ಭವಿಷ್ಯ ಉಜ್ವಲ, ಸಾಮರ್ಥ್ಯ ಪೂರ್ಣ ಮತ್ತು ಸ್ಥಿರವಾಗಿದೆ ಎಂದು ನಾನು ವಿಶ್ವಾಸದಿಂದ ಹೇಳುತ್ತೇನೆ. With the united efforts of our Managing Director, General Manager, Assistant General Managers, Branch teams, and members, we will continue to grow stronger and set higher benchmarks in the co-operative sector.

“ಸಮಾಜದ ಹಿತ – ನಮ್ಮ ಆದ್ಯತೆ. ನಂಬಿಕೆ – ನಮ್ಮ ಪರಂಪರೆ. ಸೇವೆಯ ಶ್ರೇಷ್ಠತೆ – ನಮ್ಮ ಸಂಕಲ್ಪ.”

George Fernandes

— President

MANAGING DIRECTOR’S MESSAGE

"At St. Milagres Credit Souhardha Co-Operative Society Ltd., our vision has always been to serve society with integrity, transparency, and dedication. Since the establishment of our Head Office in 2005, we have strived to create a strong foundation for sustainable growth, ensuring that every branch works in harmony to deliver reliable financial services to our members.

Our focus is not merely on expanding our presence, but on enhancing the quality of service and building trust with our members. The establishment of specialized sections such as Accounts, Loans, Deposits, Insurance, HR and IT reflects our commitment to professionalism, innovation, and efficiency.

As Managing Director, I take immense pride in our team’s collective effort in upholding the co-operative values of unity and service. Moving forward, we remain dedicated to strengthening our digital capabilities, diversifying our services, and ensuring that St. Milagres Credit Souhardha Co-Operative Society Ltd. continues to be a trusted partner in the financial well-being of our community.

I sincerely thank our members, staff, and stakeholders for their continuous support and confidence in our mission."

Demi Fernandes

Managing Director

GENERAL MANAGER’s MESSAGE

ನಮ್ಮ ಧ್ಯೇಯವು ನೈತಿಕತೆ, ಪಾರದರ್ಶಕತೆ ಮತ್ತು ಶ್ರೇಷ್ಠ ಸೇವೆಯ ಮೂಲಕ ಸಮಾಜದ ಪ್ರತಿಯೊಂದು ವರ್ಗಕ್ಕೂ ನಂಬಿಕೆಯ ಸಹಕಾರವನ್ನು ಒದಗಿಸುವುದು. ನಮ್ಮ ಶಾಖೆಗಳ ನಡುವೆ ಸುವ್ಯವಸ್ಥಿತ ಸಂಯೋಜನೆ, ಆಧುನಿಕ ತಂತ್ರಜ್ಞಾನ ಉಪಯೋಗ ಮತ್ತು ಉತ್ತಮ ಆಡಳಿತ ವಿಧಾನಗಳ ಮೂಲಕ ನಾವು ಭವಿಷ್ಯದಲ್ಲಿ ಇನ್ನಷ್ಟು ಸುದೃಢ ಸಂಸ್ಥೆಯಾಗಿ ಬೆಳೆಯುವ ನಂಬಿಕೆ ಹೊಂದಿದ್ದೇವೆ.

ನಮ್ಮ ಸಂಸ್ಥೆಯ ಮುಖ್ಯ ಕಚೇರಿ ಎಲ್ಲಾ ಶಾಖೆಗಳ ಸರಳ, ಸಧ್ರುಢ ಮತ್ತು ಸಮರ್ಪಕ ನಿರ್ವಹಣೆಗೆ ಕೇಂದ್ರಬಿಂದುವಾಗಿ ಕಾರ್ಯನಿರ್ವಹಿಸುತ್ತದೆ. ಸಿಬ್ಬಂದಿ, ಸದಸ್ಯರು ಹಾಗೂ ಗ್ರಾಹಕರ ತೃಪ್ತಿ ನಮ್ಮ ಮುಖ್ಯ ಆದ್ಯತೆ. ಪ್ರತಿ ವಿಭಾಗವು ತನ್ನ ಗುರಿಗಳನ್ನು ಸಾಧಿಸಲು ಶಿಸ್ತಿನೊಂದಿಗೆ ಕೆಲಸ ಮಾಡುತ್ತಿದ್ದು, ಸಂಸ್ಥೆಯ ಅಭಿವೃದ್ಧಿಗೆ ಮಹತ್ವದ ಕೊಡುಗೆಯನ್ನು ನೀಡುತ್ತಿದೆ. It gives me immense pride to lead the Head Office, which acts as the central hub ensuring smooth functioning of all our 111 branches. ಎಲ್ಲಾ ಸದಸ್ಯರ ಸಹಕಾರ ಮತ್ತು ಸಿಬ್ಬಂದಿಗಳ ನಿಷ್ಠಾವಂತ ಶ್ರಮದೊಂದಿಗೆ ನಮ್ಮ ಸಹಕಾರಿ ಸಮಾಜವು ಇನ್ನಷ್ಟು ಶ್ರೇಷ್ಠ ಸಾಧನೆಗಳತ್ತ ಹೆಜ್ಜೆ ಹಾಕಲಿದೆ.

I assure you that under the visionary leadership of our Managing Director and Management Committee, the Society will continue to grow stronger, embrace technology, and serve society better.”

“ಸಮಾಜದ ಬೆಳವಣಿಗೆ – ನಮ್ಮ ಬದ್ಧತೆ | Growth with Trust, Service with Integrity

Rajeshwari Raikar

General Manager

NAVEEN M VERNEKAR

“ಸದಾಚಾರ, ಶಿಸ್ತಿನ ಕೆಲಸದ ಸಂಸ್ಕೃತಿ ಮತ್ತು ಫಲಪ್ರದ ಸಂವಹನ — ನಮ್ಮ ಸಂಸ್ಥೆಯ ಬೆಳವಣಿಗೆಯ ಮೂಲಸ್ತಂಭಗಳು.”

“ನಮ್ಮ ಬ್ಯಾಂಕಿನ ಆಡಳಿತ ವ್ಯವಸ್ಥೆ, ಶಾಖೆಗಳ ಕಾರ್ಯಪಧ್ಧತಿ, ಸದಸ್ಯರ ಸೇವಾ ಗುಣಮಟ್ಟ ಹಾಗೂ ನವೀನ ವ್ಯವಸ್ಥೆಗಳ ಅನುಷ್ಠಾನ — ಇವೆಲ್ಲವೂ ನಮ್ಮ ಸಂಘಟನೆಯ ಸಮನ್ವಯ ಮತ್ತು ಸಹಕಾರದಿಂದ ಸದೃಢವಾಗುತ್ತಿವೆ. ಶಿಸ್ತುಬದ್ಧ ಕಾರ್ಯನಿರ್ವಹಣೆ, ಸಮಯಪಾಲನೆ, ಜವಾಬ್ದಾರಿ ಹಾಗೂ ತಂಡಶಕ್ತಿ — ಇವುಗಳ ಮೂಲಕ ಉತ್ತಮ ಸೇವೆಯನ್ನು ಒದಗಿಸುವುದು ನನ್ನ ಸದಾ ಆದ್ಯತೆ.”

“Accounts, Loan, Deposit, Recovery, Insurance, HR, IT ಮುಂತಾದ ಎಲ್ಲಾ ವಿಭಾಗಗಳ ಸಮನ್ವಯದಲ್ಲಿ ಕಾರ್ಯನಿರ್ವಹಿಸುವುದು ನನ್ನ ಪ್ರಮುಖ ಹೊಣೆಗಾರಿಕೆ. ಸದಸ್ಯರ ಅವಶ್ಯಕತೆಗಳನ್ನು ಗ್ರಹಿಸಿ, ಉತ್ತಮ ಮತ್ತು ಸಮಯೋಚಿತ ಸೇವೆ ಒದಗಿಸುವುದು ನಮ್ಮ ತಂಡದ ಮೂಲಕ ಸಾಧ್ಯವಾಗುತ್ತದೆ.”

“ನಮ್ಮ ಬ್ಯಾಂಕಿನಲ್ಲಿ ನಡೆಯುತ್ತಿರುವ ಡಿಜಿಟಲ್ ಪರಿವರ್ತನೆಯು ಸೇವಾ ಗುಣಮಟ್ಟವನ್ನು ಹೆಚ್ಚಿಸುವತ್ತ ಪ್ರಮುಖ ಹೆಜ್ಜೆಯಾಗಿದ್ದು, ಸದಸ್ಯರಿಗೆ ಸುಲಭ ಹಾಗೂ ವೇಗವಾದ ಸೇವೆ ದೊರಕುವಂತೆ ನಾವೆಲ್ಲರೂ ಬದ್ಧರಾಗಿದ್ದೇವೆ.”

“ಸದಸ್ಯರ ಹಿತಾಸಕ್ತಿ, ಪಾರದರ್ಶಕತೆ, ನಂಬಿಕೆ ಮತ್ತು ವಿಶ್ವಾಸವನ್ನು ಉಳಿಸಿಕೊಂಡು ಮುಂದಿನ ದಿನಗಳಲ್ಲಿ ಇನ್ನಷ್ಟು ಉತ್ತಮ ಸೇವೆ ನೀಡಲು ನಮ್ಮ ತಂಡ ಸದಾ ಸಜ್ಜಾಗಿದೆ.”

I am grateful to our Managing Director, General Manager, colleagues, and all Branch staff’s for their continuous cooperation.

“ಸಿಬ್ಬಂದಿಗಳ ಸಹಕಾರ, ಸದಸ್ಯರ ವಿಶ್ವಾಸ ಹಾಗೂ ಆಡಳಿತ ಮಂಡಳಿಯ ಮಾರ್ಗದರ್ಶನ — ಇವೆಲ್ಲವೂ ನಮ್ಮ ಕಾರ್ಯಸಾಧನೆಗೆ ಮುಖ್ಯ ಬಲವಾಗಿವೆ.”

“Service with Commitment, Growth with Cooperation”

“ಬದ್ಧತೆಯೊಂದಿಗೆ ಸೇವೆ — ಸಹಕಾರದೊಂದಿಗೆ ಬೆಳವಣಿಗೆ”

— Assistant General Manager

Our Senior Mentors

Mr. Vitoba Pawar

Senior Administrative Officer

He supports managers in day-to-day activities and ensures inspection reports are properly reviewed. He follows up on rectification of branch-level issues. He critically checks audit and inspection observations for timely action. He tracks manager performance and conducts monthly review meetings. His role ensures strict administration and smooth functioning of all branches.

Mr. B. V. Nayak

Senior Recovery Officer

He guides all branches in loan recovery and ensures timely follow-up with defaulters. He monitors DCB reports, arbitration cases, and auction procedures. He ensures recovery vehicles are used only for official purposes. Monthly meetings with recovery and sales officers are conducted under his supervision. His focus is on achieving maximum loan recovery across all branches.

Mr. Arvind Nayak

Senior Loan Officer

He oversees loan disbursements and ensures branches follow policy guidelines. He helps staff in advancing secured loans and achieving profitability targets. He motivates branch teams to reach their loan advancement goals. He reviews reports and assessments from legal and valuation experts. His main role is to support branches in balanced loan growth.

Mr. Francis Fernandes

Senior LIC Officer

He coordinates with LIC officials and shares updates on products and policies with all branches. He monitors policy performance, renewals, and claims across branches. He organizes training sessions to improve staff knowledge of LIC services. He ensures all LIC-related documents are processed on time. He supports staff in examinations, customer claims, and target achievements.

Mr. Velerian G. Fernandes

Administrative Advisor

He provides guidance to staff for smooth branch operations. He reviews financial reports, encourages deposit growth, and ensures profitable investments. He visits branches to check compliance and motivate staff. He leads recovery reviews and assists with legal documentation. He ensures timely action on audit observations and overall branch profitability.

Leadership You Can Trust

Our Senior Mentors ensure strong governance, financial discipline, and continuous growth of the co-operative.
Learn More About Us

Head office was esrablished in the year 2005 for the smooth and systematic functioning of the Society. In the beginning it was situated at the Karwar Branch premises.

In order to administer the proper functioning of all the branches a separate HEAD OFFICE was set up in new building at Sonarwada, Karwar reflecting the Management’s vision of growth and branch expansion. The Head Office includes:
  • Conference Hall
  • Computerized systems with Internet facilities
  • Dedicated and skilled staff across specialized departments

Our Departments

Accounts Section

Head: Mr. Naveen Vernekar

Designation: AGM

The Accounts Section safeguards the Society’s assets and ensures compliance with Souhardha Federation requirements. This section is like a central processing unit which handles monitors and controls the funds inflow by an effective tool of fund management. It also performs periodical and audits and inspection to ensure smooth functioning of the branches.

Establishment Section/HR Section

Head: Mrs. Pushpa Achar & 

Designation:HR-Senior

Head:Mr.Ashishkumar Shetti

Designation:HR-Senior

This section manages all staff-related functions, including recruitment, interviews, training, and welfare. It ensures smooth HR administration and maintains strong employee relations.Establishment section also ensures of employee welfare with positive relation to the Head Office and Management.

Deposit Section

Head: Mr. Vinay N Hegde

Deposit Development Manager

The Deposit Section plays a crucial role in maintaining the financial strength and liquidity of the Society. This department manages all deposit-related services, including Savings Accounts, Current Accounts, Fixed Deposits, Recurring Deposits, Pigmy Deposits, and Special Deposit Schemes.

It ensures timely account opening, accurate record maintenance, interest processing, and compliance with regulatory norms. The section also supports Branches in mobilizing deposits through effective communication, customer guidance, and promotional strategies. Providing excellent customer service by assisting members with suitable deposit products. Maintaining data accuracy for audits, inspections, and financial reporting.

This section plays a significant role in building public trust and ensuring the long-term financial stability of the Co-operative.

Investment Section

Head: Ms. Sangeeta M Moger

Investment-Senior

The Investment Section is responsible for managing the Society’s surplus funds safely and profitably. It ensures that investments are made in accordance with statutory guidelines and internal policies, supporting the financial sustainability of the institution.

This department evaluates market opportunities, analyzes risk factors, and recommends investment options that balance safety, liquidity, and returns. It also maintains close coordination with regulatory bodies and financial institutions. Maintaining detailed records for audits and statutory inspections.

The Investment Section plays a vital role in strengthening the Society’s financial position, maximizing returns, and ensuring sustainability for future growth.

Internal Audit Section

Head: Mr. Amar Gurav

Designation: Audit Manager

The Internal Audit Section ensures transparency, accountability, and compliance within the co-operative. It conducts periodic checks and inspections across all branches to monitor financial integrity, adherence to regulatory norms, and the effectiveness of internal controls. By identifying risks, irregularities, and improvement areas, this section plays a key role in strengthening trust and reliability in the institution’s operations.

Loan Section

Head: Mr.Vaibhav Betalkar

Designation:Loan Advancing Manager

Responsible for loan operations, this section manages loan approvals, applicant evaluations, and financial analysis. It coordinates closely with branch staff to ensure accuracy, efficiency, and timely services is one of the most important duties. Also analyzing applicant’s financial status and property evaluations to determine feasibility of granting loans.

Recovery Section

Head: Mr. Arun Naik
Head: Mr.Deepak M Naik
Head: Mr.Shivukumar Bant

Designation: Loan Recovery Manager

The Loan Recovery Section is responsible for monitoring overdue accounts and ensuring timely repayment of loans. It coordinates with branch-level staff to identify defaults early, communicate with borrowers, and implement structured recovery strategies. This section not only helps maintain healthy cash flow but also safeguards the financial stability of the co-operative, while ensuring fair and ethical practices in dealing with members.

Share Section

Head: Ms. Roopali Baadkar

Designation:Share-Senior

Every customer becomes a potential shareholder by holding shares valued at ₹100 each. This section manages the issue, records, and distribution of shares and dividends.

Key Highlights:

  • All depositors are eligible to become shareholders.
  • Minimum 1 share is mandatory for savings account holders.
  • Dividends are calculated and distributed annually.
  • Loan customers must invest a small percentage in shares. The customer’s data’s are gathered from Branches and are assigned a unique share account number against the share.

Insurance Section

Head: Mr. Vishwanth Sukand

Designation:VAS OFFICER

We are proudly associated with Oriental Insurance and LIC of India.General Insurance: Processing claims, guiding policyholders, and ensuring fair settlements. Apart from provide advice on marketing a claim, this section also dose the processing of new insurance claims notification, collecting accurate information and documents, analyzing a claim, guiding policy holder on how to processed with the claim, contacting people from a network of approved professionals and arranging for them to make repairs of the policy holder, monitoring policy of the claim are few responsible insurance section to be mentioned ,ensuring fair settlement of a valid claim.

Life Insurance: Facilitating LIC policies through all branches with sub-agent codes for quick processing. St. Milagres cooperative is a corporate agent and we can get a customer’s life insurance policy done through all our branches. Our branch’s have been provide with sub agent code which facilitates easy login and quick processing of paper work for customers.

IT/ Advertisement Section

Head: Mr. Royan Fernandes

Designation: IT/ADV. Manager

The IT team manages servers, systems, troubleshooting, programming, and IT projects. It ensures technological efficiency and supports smooth digital operations across branches. System admin are usually charged with installing, supporting, and maintaining servers or other computer systems. Other duties may include scripting or light programming, project management for systems-related projects.

Also, this section promotes Society’s services through pamphlets, handbills, and digital updates. It plays a vital role in public awareness, brand growth, and updating members about new schemes and initiatives. Updating the website with all the latest happenings in the co-operative too is the important role that this section performs.

Value-Added Services Section

Head: Mrs.Ramya Prabhu

Designation: VAS-Senior

Our Head Office provides a range of public services under one roof, including:
  • E-Stamping Bonds
  • Domestic & International Money Transfer
  • PAN Card Services
  • Health Card Services

Administration Section

Head: Mr. Manjunath Achari

Designation: ADM Officer

The Administration Section supports the Society’s day-to-day activities and ensures smooth functioning across all branches. Development Managers submit quarterly reports to the Head Office with details of deficiencies found during their field visits. Our section reviews these reports and informs the cooperative administration so that timely corrective action can be taken and future issues can be avoided.

The Administration Section also provides guidance to branches regarding building construction matters and the renewal of lease agreements. In addition, it ensures that all instructions from the Management are properly communicated and followed.

This section manages official correspondence, supervises office assets, maintains safety procedures, and oversees general office operations. By offering timely support and maintaining proper administrative systems, the Administration Section helps improve overall efficiency and productivity.

OUR LEADERSHIP TEAM

  • Strong Vision
  • Ethical Governance
  • Dedicated Service
At St. Milagres Credit Souhardha Co-operative Society Ltd., our leadership team represents commitment, transparency, and progressive development. Each member of our leadership plays a vital role in guiding the institution towards sustainable growth, operational excellence, and member-centered service.

DEVELOPMENT MANAGER’S PROFILE

The Development Manager plays a crucial role in driving the strategic growth of our Society. Through continuous monitoring of Branch performance, planning of developmental initiatives, and fostering strong member relationships, the Development Manager ensures that every Branch progresses toward its financial and operational goals.
They provide guidance on deposit mobilization, business development activities, customer engagement programs, and branch-level performance improvement. With a strong focus on innovation, motivation, and coordination, the Development Manager supports each branch in achieving sustainable and consistent growth.

Key Responsibilities:

  • Enhancing branch performance and business development activities
  • Guiding staff on marketing, customer relations, and goal achievement
  • Monitoring daily operational progress and identifying growth opportunities
  • Supporting branches in meeting targets and improving service quality
  • Strengthening the Society’s presence and reputation across all regions

DEVELOPMENT MANAGER’s DETAILS

NAME DESIGNATION

Mr. Farzan Shaikh

Devlopment Manager – Karwar Division

Mr. Chandrashekar Nayak

Devlopment Manager – Ankola Division

Mr. Santosh Revankar

Devlopment Manager – Haliyal Division

Mr. Rohan Naik

Devlopment Manager – Dharwad Division

Mr. Vinod Madival

Devlopment Manager – Sirsi Division

Mr. Frankline Furtado

Devlopment Manager – Shivmogga Division

Mr. Rohith Moger

Devlopment Manager – Bhatkal Division

Mr. Nagaraj Madival

Devlopment Manager – Puttur- Mangluru Division

Mr. Manish Mangluru

Devlopment Manager – Udupi- Mangluru Division

Mr. Raghvendra Naik

Devlopment Manager – Haveri Division

INTERNAL AUDITORS’ PROFILE

The Internal Auditors act as the backbone of transparency, accountability, and compliance within our Society. They ensure that all branches follow the rules, policies, and financial standards set by the Head Office and regulatory authorities.
Through regular audits, inspections, and analytical reporting, they help identify operational risks, procedural gaps, and areas requiring improvement. Their vigilant oversight ensures accuracy in branch documentation, adherence to statutory norms, and the overall integrity of the Society’s financial system.

Key Responsibilities:

  • Conducting periodic internal audits across all branches
  • Verifying accounts, documentation, and operational compliance
  • Reporting discrepancies and suggesting corrective actions
  • Ensuring transparency, accuracy, and discipline in branch functioning
  • Strengthening internal controls and minimizing operational risks

INTERNAL AUDITOR’s DETAILS

NAME DESIGNATION

Mr. Sunil Naik

Mr. Sunil Naik Internal Auditor- Head office

Mr. Mohan Raj

Internal Auditor- Head office

Mr. Ajit Madival

Internal Auditor- Head office

Mr. Vinay K

Internal Auditor- Head office

Mr. Dheeraj Naik

Internal Auditor- Head office

Mr. Pradeep

Internal Auditor- Head office

Mr. Ganesh R

Internal Auditor- Head office

Mr. Shivanand

Internal Auditor- Head office

Mr. Manikant Naik

Internal Auditor- Head office

RECOVERY MANAGER/OFFICER’S PROFILE

The Internal Auditors act as the backbone of transparency, accountability, and compliance within our Society. They ensure that all branches follow the rules, policies, and financial standards set by the Head Office and regulatory authorities.
Through regular audits, inspections, and analytical reporting, they help identify operational risks, procedural gaps, and areas requiring improvement. Their vigilant oversight ensures accuracy in branch documentation, adherence to statutory norms, and the overall integrity of the Society’s financial system.

Key Responsibilities:

  • Conducting periodic internal audits across all branches
  • Verifying accounts, documentation, and operational compliance
  • Reporting discrepancies and suggesting corrective actions
  • Ensuring transparency, accuracy, and discipline in branch functioning
  • Strengthening internal controls and minimizing operational risks

RECOVERY OFFICER’s DETAILS

NAME DESIGNATION

Mr. Nandeeshwar Kurle

Recovery Officer – Karwar Division

Mr. Pedru Fernandes

Recovery Officer – Honnavar Division

Mr. Devendra Naik

Recovery Officer – Bhatkal Division

Mr. Manjunath

Recovery Officer – Bhatkal Division

Mr. Tanoj Kumar

Recovery Officer – Bhatkal Division

Mr. Chinmay Hegde

Recovery Officer – Sirsi Division

Mr. Raghvendra Bhandari

Recovery Officer – Sirsi Division

Mr. Purushottam Prabhu

Recovery Officer – Shivmogga Division

Mr. Raghvendra Kanavalli

Recovery Officer – Haveri Division

Mr. Ajay Arokyaraj

Recovery Officer + Sales Officer – Mysore Division

Mr. Mahesh Harikantra

Recovery Officer + Sales Officer – Honnavar Division

Mr. Asif Mujavar

Recovery Officer + Sales Officer – Ankola-kumta Division

Mr. Imran Shaikh

Recovery Officer + Sales Officer – Haliyal Division

Mr. Santosh Lamani

Recovery Officer + Sales Officer – Hubli Division

Mr. Rupesh Chikmath

Recovery Officer + Sales Officer – Hubli Division

Mr. Goutam Rai

Recovery Officer + Sales Officer – Udupi Division

Mr. Mahesh Prasad

Recovery Officer + Sales Officer – Puttur Division
“Our Leadership Team is united by a shared mission — to deliver trustworthy financial services, embrace innovation, and serve society with integrity. Their collective knowledge and dedication continue to guide St. Milagres Credit Souhardha Co-operative Society Ltd. towards sustained growth and excellence.”

Quick Links

Account & Deposit

Loans

Contact Info

Phone

08382-223600

Email

st.milagrescopertive@gmail.com

Location

Rosary Dale Keshav Shet Road, 1st Cross, Sonarwada, Karwar 581301.

About Milagres

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