PRODUCT OVERVIEW
ShivBhoomi Samruddhi Circle™ is a structured support initiative designed for individuals and groups who want to
create, strengthen, manage and develop savings groups with a focus on financial discipline, collective participation
and sustainable income-generation opportunities.
The initiative is divided into three service categories: 01. New Savings Group 02. Existing Savings Group –
Growth 03. Business-Making Savings Group.
PRODUCT ARCHITECTURE
Category Product Primary Purpose Fee
Management improvement, documentation & development
SAMRUDDHI CIRCLE – NEW GROUP
Key Service Areas
Objective: To help a new group establish a structured foundation for savings, participation, documentation and future
development.
- Group Formation Guidance
- Member Participation Framework
- Group Objective Setting
- Savings Contribution Planning
- Group Financial Discipline
- Basic Documentation Guidance
- Member, Meeting & Savings Records
- Meeting & Management Guidance
- Basic Financial Awareness
- Future Activity Planning
- Growth Roadmap
- Business-Readiness Assessment
SAMRUDDHI CIRCLE – GROWTH
Key Service Areas
Objective: To strengthen an existing savings group and create a more organised, transparent and
development-oriented operating framework.
- Existing Group Assessment
- Current Structure & Process Review
- Savings & Meeting Process Review
- Documentation Assessment
- Operational Gap Identification
- Meeting Management Guidance
- Member Participation Improvement
- Internal Communication
- Savings Tracking
- Basic Financial Planning
- Record Transparency
- New Activity Planning
- Income-Generation Opportunity Identification
- Business-Readiness Assessment
SAMRUDDHI CIRCLE – BUSINESS
Key Service Areas
Objective: To help a savings group explore and develop suitable business and income-generation opportunities
based on members, resources, capabilities and market conditions.
- Business Opportunity Identification
- Local Market Opportunity Assessment
- Member Skill Mapping
- Product/Service Opportunity Identification
- Business Model Guidance
- Group Business Structure Guidance
- Roles & Responsibility Planning
- Product & Service Planning
- Target Customer Identification
- Basic Cost & Revenue Planning
- Pricing Guidance
- Marketing & Sales Guidance
- Business Launch Planning
- Growth & Expansion Roadmap
SAMRUDDHI CIRCLE – COMPLETE JOURNEY
WHO CAN BENEFIT?
- Newly formed savings groups
- Existing savings groups
- Community-based groups
- Women-led savings groups
- Self-help oriented groups
- Groups interested in entrepreneurship
- Groups seeking income-generation opportunities
- Groups planning collective business activities
CORE VALUE PROPOSITION
Collective Savings — Build financial discipline through organised group savings.
Collective Participation — Encourage active participation and shared responsibility.
Structured Management — Develop better systems for meetings, records and group activities.
Business Orientation — Help interested groups explore suitable income-generation opportunities.
Growth Mindset — Create a roadmap for continuous development and expansion.
OPERATING FRAMEWORK
ASSESS → ORGANISE → SAVE → STRENGTHEN → PLAN → BUILD → GROW
The framework focuses on structured guidance rather than simply forming a group. The long-term objective is to help
participating groups build better processes and explore sustainable development opportunities.
SERVICE NOTE
ShivBhoomi Samruddhi Circle™ provides business, organisational and financial guidance. Any business activity,
investment, borrowing, lending, registration, government scheme or financial transaction should be undertaken only
after the group independently evaluates applicable requirements, risks, eligibility and legal or regulatory conditions.
Business outcomes are not guaranteed and may depend on market conditions, execution, available resources and
other factors.
SHIVBHOOMI SAMRUDDHI CIRCLE™
Save Together. Grow Together.
NEW GROUP — Start Your Circle
EXISTING GROUP — Strengthen Your Circle
BUSINESS GROUP — Build Your Business
ShivBhoomi Group Of Companies
Collective Savings • Structured Guidance • Business Development • Sustainable Growth