Jyoti Mirmire samuhik Saccos has been operating microfinance group among the people on its working area. Which saving programme organized Low income peoples. Microfinance saving is kind of Mandatory Saving.Its is saving deposited by members of microfinance group. They has to sit meeting in every month. In that group meeting saving amount will be collected and required loan will be disbursed. The Micro finance staff manage the micro finance groups. Minimum Deposit amount is Rs 25. Interest rate is 6%. in monthly minimum balance. Interest is calculated In half year end and calculated interest is capitalized.