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DCBS Microfinance

Transforming Life

Who we are

Dhosa Chandaneswar Bratyajana Samity (DCBS) is a micro finance institution (MFI) operating in the Indian states of West Bengal & Bihar since 2003.

DCBS is committed to providing access to loans to marginalized people living in unserved areas of rural India.

Apart from its financing services , DCBS also operates and provides sustainable solutions in clean energy including solar energy products and services & low smoke/smokeless cook stoves.

DCBS has also extended it's services to help the unemployed youth & underprivileged women to gain livelihood through access to finance, training in setting up small enterprises, skill development and in creating market linkages.

DCBS is continuously growing at a healthy rate and expanding its footprint across rural India.

Core Values

Good Governance
Beneficiary Satisfaction

Mission and Vision


Transformation of rural lives by  poverty eradication through effective financial services with participatory approach in a transparent & sustainable manner.


To reach the poor  rural people to foster social developments through our services in the form of financial assistance, capacity building , skill development & access to necessary tools and products .


Secretary Desk

Dear Friends,


I take immense pleasure in presenting the annual report of our Micro Credit activities for the year 2014-15 DHOSA CHANDANESWAR BRATYAJANA SAMITY (DCBS) was established in the year 2003 at a remote village Dhosa of South 24 Parganas District under Sundorbon of West Bengal for the welfare of rural poor people especially helpless women and children. It was registered as Society under West Bengal Societies Registration Act (XXV1) of 1961 in 2003. It was initially started with the initiative of some enthusiastic youths. Though started to provide thrift services, gradually they realized the need to provide loan to the poor in order to make them self-dependent. DCBS received its first loan of Rs.5 million from ICICI Bank. SBI sanctioned cash credit loan of Rs.16 million, BGVB sanctioned Rs.15.3 million cash credit and SIDBI sanctioned a term loan of Rs 5 million in the year 2009 and 2010 respectively. In the year 2012-13 SIDBI further sanctioned of Rs.75.00 lakhs IMEF fund –Subordinate Debt for equity support to DCBS. During the period under review we received a loan from NABARD. An amount of Rs6.92 lacs for manufacturing readymade garments . DCBS had 6 branches over 9000 borrower outreach and Loan portfolio was Rs.10.52 lakhs as on 31st March 2015as against Rs6.24 crores as of 2014. We follow group based individual lending model of minimum 10 members and maximum 30 members of groups. However crisis in MFI sector and our social awareness helped to cultivate new thought and we started Solar Credit activity form the year 2012. We established some linkage with Arc Finance -America,Milaap,GIZ-Germany, JICA-Japan who are agreed to extend fund capacity building, training and other support to DCBS. Apart from Micro finance we are conducting Cervical and Breast Cancer detection camp in collaboration with “Chittaranjan National Cancer Institution.I take the opportunity to thank all my colleagues, my Board members, funding agencies-SBI, BGVB and SIDBI, RMK, MILAAP,,NABARD. for their financial assistance and CNCI, Switch on, ZIZ-Germany for their technical support to carry on such developing activities, without whose backing it would not be possible to have such a height we could achieved. I also express my deep gratitude to the authorities of “The Art of Living” for their moral and spiritual guidance in achieving Credit plus activities in a long run.


Animesh Naiya



Board of Directors

Santosh Haldar


Balaram Bar

Vice President

Animesh Naiya

Secretary, CEO

Subhankar Mandal

Assistant Secretary

Aparna Mondal


Utpal Gharui


Nabin Chatterjee


Management Keys

Riya Das


Riya Das

Assistant HR

Antony Mondal

Operational Manager

Soma Saha

MIS Officer

Balaram Das

Credit Manager

Shirshendu Banerjee


Pinak Pratim Dan

Financial Executive

Awards and recognitions

DCBS Achieved Highest Recorded Promotion of DCBS Achieved Highest Recorded Promotion of “ Solar Lanterns” to the Borrowers amongst MFIs in India supported by Arc Finance, A Consultancy and Finance Group for clean Energy and Water, during 2014-15.Solar Lanterns” to the Borrowers amongst MFIs in India supported by Arc Finance, A Consultancy and Finance Group for clean Energy and Water, during 2014-15.