EcorpEasy Cooperative

Founded February 2026 · Pre-launch

Simple banking for every village.

आसान बैंकिंग, हर गाँव तक।

Ecorp, short for Easy Cooperative, is building a small finance and cooperative bank for small businesses in rural India: kirana shops, dairy farmers, tailors, repair shops and self-help groups. We plan to offer savings, small loans and payments through agents who live in the same village.

Join the waitlist Read the village stories
Ecorp MitraOur local agent in each village

The problem

Banking is still hard to reach in villages.

01

The branch is far

A trip to the bank can mean closing the shop for half a day.

02

Credit is expensive

Without easy small loans, shop owners and farmers turn to informal lenders at high interest.

03

Apps are built for cities

Most banking apps assume English, a smartphone and fast internet.

Village stories

The businesses we are building for

These four stories are composites based on common situations in rural India. The names are made up.

Kirana shop · Satara district, Maharashtra

Sunita keeps her shop's cash in a tin

Sunita's grocery takes in cash all day, a few hundred rupees at a time. The nearest branch is 14 km away, so the money sits in a steel tin under the counter until she can find a free afternoon.

With Ecorp: the village Mitra stops by every evening. She deposits as little as ₹50 and gets an SMS receipt in Marathi. Her deposit history becomes the record she needs for a stock loan before Diwali.

Business savings

Dairy · Anand district, Gujarat

Ramesh wants a second buffalo but can't get a fair loan

Ramesh sells milk to the village collection centre twice a day. A second buffalo would almost double his income, but it costs around ₹60,000. The bank wants land papers and a guarantor; the local lender wants very high interest.

With Ecorp: a small business loan based on his milk records, savings history and cooperative society, repaid in small amounts from his milk payments instead of one large monthly sum.

Small business loans

Tailoring unit · Sitapur district, Uttar Pradesh

Meena's self-help group keeps its accounts in one notebook

Meena leads a self-help group of twelve women who stitch school uniforms. Each saves ₹200 a month into the group pot and they lend to each other for machines and thread. Only two members can read the notebook well.

With Ecorp: a shared group account with a simple ledger read out on a phone call in Hindi. Everyone hears the balance and who repaid, and the group's record helps it qualify for a bigger group loan.

Group banking

Repair shop · Dharwad district, Karnataka

Imran loses sales because his phone can't take UPI

Imran fixes phones from a stall near the bus stand. Young customers ask to pay by UPI, but his own phone is a feature phone, so he loses sales when people don't carry cash. Paying suppliers means a bus ride to town.

With Ecorp: a QR sticker and payments that work on any phone, with a voice alert for every payment. Customer money lands in his account, and he pays suppliers without leaving the stall.

Payments

What we're building

What we plan to offer

₹

Business savings

Open with Aadhaar and a mobile number. Small daily deposits collected at your shop.

🌾

Small business loans

Fair, transparent loans for stock, tools and livestock, repaid in step with sales and harvests.

⇄

Payments

Accept UPI, pay suppliers and receive government benefits (DBT), even on a feature phone.

◎

Group banking

Shared accounts and clear records for self-help groups and farmer co-ops, plus group loans.

These services are planned and not available yet. See where we are today.

How it will work

You won't need to visit a branch.

A trained agent from your village fills in the forms with you and handles deposits.

  1. Meet your Ecorp Mitra

    A trained local agent, often from a self-help group, visits shops, homes and the weekly market.

  2. Open an account

    Aadhaar-based eKYC and your mobile number. No minimum balance.

  3. Save, borrow and pay

    Through the Mitra, a missed call or SMS, voice help in your language, or the app.

Feedback from small businesses

What shop owners and farmers tell us

“I close my shop for half a day just to deposit money. If someone collected it here, I would save every day.”
Kirana shop ownerSatara district, Maharashtra
“The bank asks for too many papers. The moneylender asks for none, but his interest is very high.”
Dairy farmerAnand district, Gujarat
“Our group keeps accounts in a notebook. A simple tool in Hindi that everyone can hear would build trust.”
Self-help group leaderSitapur district, Uttar Pradesh
“Customers want to pay by UPI, but my phone is basic. I lose sales when I can only take cash.”
Mobile repair shop ownerDharwad district, Karnataka
“Monthly instalments don't work for me. My money comes after harvest. Let me pay when I sell my crop.”
Vegetable farmerNalgonda district, Telangana
“I trust people I know. If the bank person is from our village, more women will open accounts.”
Pickle and papad makerTonk district, Rajasthan

About Ecorp

Why "cooperative"?

Ecorp was founded in February 2026. We think a rural bank should work like a cooperative: run for its members and in their language. We are combining that model with tools that work on basic phones.

  • Local agents. Each village is served by someone who lives there.
  • Clear fees. Every fee is listed up front, in plain language.
  • Small amounts. You will be able to deposit as little as ₹50.

More about us

Status

Where we are today

Ecorp is not a licensed bank yet. We do not accept deposits, give loans or open accounts today. Our member login is an early preview, and we will never ask for your bank PIN or OTP.

We are an early-stage startup designing our service with the people we want to serve. We will launch financial services only with the required approvals from the Reserve Bank of India, or through partnerships with licensed, regulated banks.

Get in touch

We want to hear from small business owners, cooperative societies, self-help groups, NGOs, banks and investors.

Join the waitlist hello@ecorpbank.com