For years, millions of investors who had deposited money in Sahara India Group’s cooperative societies have been waiting to get their refunds. In a major relief, the Central Registrar of Cooperative Societies (CRCS) under the Ministry of Cooperation, Government of India, launched an official refund portal to begin the process of repaying investors.
If you or your family invested in Sahara and are waiting to receive your refund, this blog will walk you through:
- Latest update on Sahara refund
- Who is eligible
- Step-by-step guide to apply
- Required documents
- How to check your refund status
🏦 Background: Why Was Sahara India Asked to Refund Investors?
Sahara India had collected thousands of crores from crores of investors through its cooperative societies. However, due to allegations of mismanagement, regulatory violations, and delays in maturity payouts, the Supreme Court and regulatory bodies intervened.
In March 2023, the Supreme Court directed that ₹5,000 crore be released from the Sahara-SEBI account to refund genuine depositors.
This process is now being managed by the CRCS-Sahara Refund Portal, launched in July 2023 and continuing in 2025.
📌 Key Societies Covered for Refund
The refund scheme currently applies to depositors who invested in the following Sahara cooperative societies:
- Sahara Credit Cooperative Society Ltd.
- Sahyog Credit Cooperative Society Ltd.
- Humara India Credit Cooperative Society Ltd.
- Stars Multipurpose Cooperative Society Ltd.
If you invested in any of the above and your deposit matured before March 22, 2022, you’re eligible to claim a refund.
✅ Eligibility Criteria for Sahara Refund
To claim your refund through the CRCS portal, ensure:
- You invested in one of the 4 listed Sahara cooperative societies
- Your investment has matured before March 22, 2022
- You have the original bond certificate or passbook
- You haven’t already received a refund through other legal means
📄 Documents Required for Refund Application
Keep the following documents and details ready before applying:
- Aadhaar Card (linked with mobile number)
- PAN Card (for higher refunds)
- Original Deposit Certificate/Passbook
- Cancelled cheque or passbook copy (with your name)
- Mobile number linked with Aadhaar
- Photograph (passport-size)
🌐 How to Apply for Sahara Refund Online in 2025
Here is the step-by-step guide to claim your refund via the CRCS Sahara Refund Portal:
🖥 Step 1: Visit the Official Website
Go to the official portal: https://mocrefund.crcs.gov.in
🧾 Step 2: Aadhaar Authentication
Click on “Depositor Registration”
- Enter your Aadhaar number
- Validate using the OTP sent to your Aadhaar-linked mobile number
📝 Step 3: Fill Refund Application Form
Provide the following:
- Personal details (name, DOB, address)
- Deposit details (society name, account no., certificate number, amount, maturity date)
📤 Step 4: Upload Required Documents
Scan and upload:
- Deposit certificate/passbook
- Aadhaar and PAN
- Cancelled cheque or bank passbook copy
✅ Step 5: Final Submit
Verify all details, agree to the declaration, and submit the form.
You will get an Application Reference Number (ARN) for tracking.
🔍 How to Check Sahara Refund Status
Once you’ve submitted the form:
- Visit https://mocrefund.crcs.gov.in
- Click on “Track Application”
- Enter your Aadhaar number and OTP
- View status of your claim (Submitted / Under Review / Approved / Rejected)
💰 How Much Refund Will You Get?
Initially, each eligible depositor is expected to receive up to ₹10,000. Based on verification, higher refund amounts may be processed in phases in 2025.
The government has assured that:
- Depositors with small amounts will be prioritized
- Further tranches may be released after success of the first phase
🧑💼 Sahara Refund Helpline Numbers
In case of issues, you can contact the CRCS Sahara Refund support team:
- Toll-Free Helpline: 1800-103-6891
- Email: helpdesk@mocrefund.in
- Working Hours: 10 AM to 5 PM (Mon–Fri)
Also, local Common Service Centers (CSCs) and Sahara branch offices may help you with the application process.
❗ Common Reasons for Rejection
To avoid delays or rejection, keep in mind:
| Reason | How to Avoid |
|---|---|
| Incorrect Aadhaar | Make sure your Aadhaar is updated and linked with mobile |
| Mismatch in deposit info | Enter exact details as per the bond/passbook |
| Ineligible society | Ensure investment was in one of the 4 mentioned societies |
| Fraudulent claims | Do not submit fake or altered documents |
Always double-check your entries before final submission.
🧠 Tips for a Successful Refund Application
- Use Google Chrome or updated browser while applying
- Ensure scanned documents are clear and under 2MB
- Apply from your own Aadhaar-linked mobile number
- Keep your Application Reference Number safe
- Don’t fall for middlemen—refund is completely free
📊 Sahara Refund in Numbers (As of Early 2025)
- Over 1.2 crore depositors registered
- ₹250 crore refunded in the first few months
- More than 8 lakh claims processed
- New batch of refunds expected by mid-2025
The scheme has brought relief to lakhs of struggling families, especially in Bihar, Uttar Pradesh, Jharkhand, Madhya Pradesh, and West Bengal.
✅ Conclusion: Claim Your Money Without Delay
The Sahara India Refund 2025 initiative is a much-needed step toward justice for depositors. If you or someone in your family invested in Sahara’s cooperative societies, don’t miss this chance to register and claim your money back easily through the official CRCS portal.
It’s free, secure, and government-verified — no need to panic or pay bribes. Just follow the steps correctly and wait for your refund to be credited directly into your bank account.
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