The Ministry of Cooperation, Government of India launched the CRCS Sahara Refund Portal on 18 July 2023 under the directions of the Supreme Court of India to return deposited money to genuine investors of Sahara Group Cooperative Societies. Millions of people across India had their money stuck in these societies for years — this portal finally gives them a direct, digital path to reclaim it.
The official portal is hosted at mocrefund.crcs.gov.in under the Central Registrar of Cooperative Societies (CRCS). The refund process is fully online — no need to visit any office or agent. As of July 23, 2025, over ₹5,139.23 crore has already been refunded to 27,33,520 depositors. The claim deadline has been extended till December 31, 2025.
Important Dates
- Portal Launch Date : 18 July 2023
- Deposit Cutoff Date (3 Societies) : 22 March 2022
- Deposit Cutoff Date (Stars Multipurpose) : 29 March 2023
- Claim Submission Deadline : 31 December 2025 Extended
- Refund Credit Timeline : Within 45 Working Days of claim submission
- Portal URL : mocrefund.crcs.gov.in
Who Is Eligible to Apply?
Any person who deposited money in any of the following four Sahara Group Cooperative Societies before the cutoff dates is eligible to claim a refund:
| S.No. | Society Name | Registered Office |
|---|---|---|
| 1 | Sahara Credit Cooperative Society Ltd. | Lucknow |
| 2 | Saharayan Universal Multipurpose Society Ltd. | Bhopal |
| 3 | Humara India Credit Cooperative Society Ltd. | Kolkata |
| 4 | Stars Multipurpose Cooperative Society Ltd. | Hyderabad |
Note: Your Aadhaar must be linked to both your mobile number and your bank account before applying. Without this, the refund cannot be processed.
Documents Required
- Aadhaar Card (linked to your mobile number and bank account)
- Sahara Investment Certificate / Passbook (proof of deposit)
- Membership Number / Receipt Number / Account Number
- PAN Card (mandatory if claim amount is above ₹50,000)
- Active Bank Account linked with Aadhaar (for Direct Benefit Transfer)
- Mobile Number registered with Aadhaar (for OTP verification)
Ensure all documents are clear, legible, and match the details in official records. Incorrect uploads are a common reason for rejection.
How to Register on Sahara Refund Portal 2025
- Go to the official portal: mocrefund.crcs.gov.in/depositor/
- Click on “Depositor Registration” on the homepage
- Enter the last 4 digits of your Aadhaar number and your Aadhaar-linked mobile number
- Enter the Captcha code and click “Get OTP”
- Enter the OTP received on your mobile and click “Verify OTP”
- Registration is now complete — you can proceed to login
How to Login to Sahara Refund Portal
- Visit mocrefund.crcs.gov.in
- Click on “Depositor Login”
- Enter the last 4 digits of Aadhaar, your mobile number, and the Captcha
- Click “Get OTP” — enter and verify the OTP
- You are now logged in to your dashboard
How to Apply Online for Sahara Refund 2025
- Complete Registration and Login on the portal (steps above)
- Click on “Apply Online” from your dashboard
- Select the respective Sahara cooperative society’s name from the list
- Enter your Membership Number, Receipt Number, Account Number and Deposit Amount
- Upload required documents — investment certificate / passbook and PAN (if claim > ₹50,000)
- If you invested in more than one society, submit all claims using a single form
- Review all details carefully before final submission
- Submit the form — note down your Claim Request Number for future tracking
- Refund will be credited directly to your Aadhaar-linked bank account within 45 working days
Claim Resubmission (If Rejected)
If your initial claim was rejected due to missing documents or incorrect information, you can resubmit through the dedicated resubmission portal.
- Visit: mocresubmit.crcs.gov.in
- Login using your registered credentials
- Go to the “Resubmission” section
- Review the deficiency remarks mentioned
- Upload corrected documents and resubmit
- Track updated status from your dashboard
How to Check Refund Status
- Login to mocrefund.crcs.gov.in
- Open the “Application Status” section from your dashboard
- Your current refund claim status will be displayed
- Check periodically — some claims may need additional verification
Refund Amount & Payment Details
| Detail | Information |
|---|---|
| Refund Mode | Direct Benefit Transfer (DBT) to Aadhaar-linked bank account |
| Processing Time | Within 45 working days |
| Total Disbursed (as of July 23, 2025) | ₹5,139.23 crore |
| Total Beneficiaries (as of July 23, 2025) | 27,33,520 depositors |
| Claim Deadline | 31 December 2025 |
| Application Fee | Free / No Charge |
Important Links
| Apply Online / Register | Click Here |
| Resubmission Portal | Click Here |
| Check Refund Status | Click Here |
| Official Website (CRCS) | Click Here |
| Ministry of Cooperation | Click Here |
Important Questions & Answers – Sahara Refund Portal 2025
Q1. When was the Sahara Refund Portal launched?
The portal was officially launched on 18 July 2023 by Union Cooperation Minister Amit Shah, under the direction of the Supreme Court of India.
Q2. What is the last date to apply for a refund?
The claim submission deadline has been extended to 31 December 2025. Do not delay your application.
Q3. Which societies are covered under this portal?
Four societies are covered: Sahara Credit Cooperative Society Ltd. (Lucknow), Saharayan Universal Multipurpose Society Ltd. (Bhopal), Humara India Credit Cooperative Society Ltd. (Kolkata), and Stars Multipurpose Cooperative Society Ltd. (Hyderabad).
Q4. How long does it take to receive the refund?
Refunds are credited directly to your Aadhaar-linked bank account within 45 working days from the date of successful submission.
Q5. Is PAN card mandatory for all applicants?
PAN card is mandatory only if your refund claim amount is above ₹50,000. For amounts below this, it is not required.
Q6. Can I edit my claim after submission?
No. Once submitted, a claim cannot be edited. However, if rejected due to deficiency, you can resubmit a corrected claim through the resubmission portal at mocresubmit.crcs.gov.in.
Q7. My Aadhaar is not linked to my mobile number. Can I still apply?
No. Your Aadhaar must be linked to both your mobile number (for OTP) and your bank account (for DBT) before applying. Complete the Aadhaar linking first at any Aadhaar Seva Kendra.
Q8. Is there any fee to apply on Sahara Refund Portal?
The refund application process is completely free. No fees are charged at any step. Beware of fraudsters demanding money to process your claim.