Banking Institute & Learning Centre of Excellence for Holistic Aspiration of Mothers (BILCHAM) funded by Ministry of DoNER, Govt. of India

BILCHAM was established on 25th October 2006 under the Societies Registration Act 1983 as an Apex Federation at the District Level under West Garo Hills CommunityResource Management Society/NERCORMP, funded by IFAD, DONER/NEC & Govt of India for the sustainability of the rural community.

    BILCHAM (1)       BILCHAM (3)

BILCHAM is now a strong women independent organization catering to the livelihood and credit for the poorest of the poor who were earlier devoid of all these facilities. BILCHAM gives services to the entire West Garo Hills and some parts of East and South Garo Hills independently through the SHG Federations who are also the members of the Board responsible for scrutinizing, sanctioning and recovery of the loans.


With the passing of time, the popularity and recognition of this institute has gained tremendous confidence among the rural poor due to easy access of credit and a feeling of ownership resulting in positive response from all quarters.



    Source PIB