Frequently Asked Questions (FAQs)

1. What is CRCS Sahara Resubmission Refund Portal?

The CRCS Sahara Resubmission Refund Portal is an onlineplatform
designed for reprocessing the claims of those depositors/members
of four Sahara Group Co-operative Societies, to whom
deficiency/ies has/ have been communicated. The entire process
of refund is undertaken on the basis of SOP approved by Hon’ble
Supreme Court Justice (Retd.) Shri. R. Subhash Reddy and under
the guidance of Mr. Gaurav Agarwal, Advocate and Amicus Curiae
as per order of Hon’ble Supreme Court vide order dated
29.03.2023 in the matter of IA No.56308 of 2023 in WP (C) No. 191
of 2022 (Sahara Refund Matter).

2. Is the CRCS Sahara Resubmission Refund Portal secured?

Yes, the CRCS Resubmission Refund Portal is a secured online
platform with SSL Certificate.

3. Who are eligible for login through the CRCS Sahara Resubmission
Refund Portal?
a. The login for Resubmission Portal https://mocresubmit.crcs.gov.in is
only for Payment Failed Applications and for Resubmission of
applications wherever Deficiencies have been found and
communicated to the depositor /member. If you are a first time
user please register and submit your claims on the following Link
https://mocrefund.crcs.gov.in

b. Those depositors /members to whom deficiency message has been

displayed on the CRCS Sahara Refund Portal can only login through
the CRN number.

c. The genuine and legitimate Depositors of following four Sahara

Societies are eligible for refund through the CRCS Sahara Refund
Portal:
i. Humara India Credit Cooperative Society Limited, Kolkata.
ii. Sahara Credit Cooperative Society Limited, Lucknow.
iii. Saharayan Universal Multipurpose Society Limited, Bhopal.
iv. Stars Multipurpose Cooperative Society Limited,
Hyderabad.
d. The Depositors must have made deposits & have outstanding dues
receivable before the following dates, for filing a claim request:
22nd March 2022 for:
i. Humara India Credit Cooperative Society Limited, Kolkata.
ii. Sahara Credit Cooperative Society Limited, Lucknow.
iii. Saharayan Universal Multipurpose Society Limited, Bhopal.
29th March 2023 for:
iv. Stars Multipurpose Cooperative Society Limited,
Hyderabad.

e. In case the deficiency, is due to the respective Sahara Society not

uploading either the membership form or Account Opening form.
i. In case the respective Society has scanned the Membership
Form and/or Account Opening Forms and the status of the same
has been updated by the Society concerned on portal,
depositors/members are requested to resubmit the claim for the
portal to process the application again.
ii. In case the respective Society has not scanned the Membership
Form and/or Account Opening form, the Society would be
requested to scan the above forms digitally and update the
status with the portal, the depositor
/member is also requested contact the society for uploading the
requisite forms.
f. Only those depositors/members, whose applications have
completed 45 days, are eligible to login and resubmit their
application in Re-submission portal.
g. The Resubmission portal has been opened in phases for depositors
with deficiencies so as to manage the load on the portal. The details
about the phases shall be displayedprominently on the login page.

Aggregate Claim Amount From

Up to ₹1,00,000 14th May, 2024
₹1,00,001 to ₹5,00,000 20th May, 2024
Above ₹5,00,000 Would be communicated later

4. What do you mean “Payment Failed Applications”?

Any Depositor whose claim was approved by the portal and the
payment was attempted by the portal, however the same could not be
made to depositor‘s Aadhaar Seeded bank account for various reasons.
Refer FAQ no. 45.
5. What should a depositor do if there are any changes in his personal
details in Aadhaar database?
Depositor can update his/her personal details (including changes
in name in Aadhaar) and then click on the Personal details section
on the Resubmission Portal and perform EKYC again.

6. Is PAN number mandatory if the total claim amount is Rs. 50,000 and
above?
Yes, the Depositor has to provide details of PAN card mandatorily, if
claim amount is Rs. 50,000/- and above, across all Sahara Societies.

7. What if I do not have a PAN card?

Depositor must have PAN card, if claim amount is Rs. 50,000/- and
above.

8. Are Aadhaar linked Mobile No. and Bank Account mandatory?

Yes, the Depositor should have Aadhaar linked mobile No. and
Aadhaar seeded Bank account mandatorily without which, the claim
request cannot be filed on the Portal.

9. How to link Aadhaar with Mobile number?

Kindly visit the nearest Aadhaar Seva Kendra for linking
Aadhaar with Mobile number.

10. Can a Depositor file a claim request, if he/she does not have an
Aadhaar seeded bank account?
No, without Aadhaar seeded bank account Depositor cannot file a
Claim. The Aadhaar seeding shall facilitate secure fund transfer to
the genuine Depositor’s Bank account.

11. What is the process for re-submission of my application on

the re-submission portal?
The depositor will enter the 14-digit Claim Request Number (CRN)
and validates through captcha.

The system retrieves the linked Aadhaar reference number.

 If valid, the CRN will get Aadhaar number from the stored
reference number and the OTP will be sent to the Aadhaar-
linked mobile number.
 If invalid, the depositor must enter the full 12-digit Aadhaar
 number for verification.

12. Can a depositor of Sahara Society add a new claim at the

time of Resubmission?
No fresh claim can be added in the Resubmission portal. This is as
per the legal declaration submitted by the depositor, at the time of
submission of original refund application. Only existing claim with
deficiencies can be resubmitted.

13. How long will it take to process the claims?

It will take 45 working days to process the claims. The status of
processing of the claim shall be communicated through SMS as well
as through letter available on portal.

14. Are there any applicable charges for filing the Claim form?
No, it’s free of cost.

15. What is Aadhaar seeded Bank account?

Aadhaar seeded Bank account refers to a Bank Account that is linked or
connected to the Aadhaar no. of the account holder.

16. How to check Aadhaar seeding with Bank account?

Kindly visit UIDAI website link https://resident.uidai.gov.in/bank-
mapper to check the status of Aadhaar seeding with Bank account.

17. How to seed Aadhaar with Bank account?

The Depositor basis the facility available with their respective Bank can
undertake Aadhaar seeding with Bank account through below options:
 Registration through Internet Banking
 Registration through the Bank’s Mobile App
 Registration through visiting Bank and submitting physical
form.
 Registration through the Bank’s ATM
 Registration through the SMS
 Registration through phone Banking

18. What happens if I change my Aadhaar seeded bank account after I

register on the CRCS Sahara Refund Portal?
Depositor can link only one account with Aadhaar for the purpose
 of Aadhaar seeding at any point of time. If customer gives consent
to multiple banks, then the refund amount from the CRCS Sahara
Refund Portal will be credited to the latest seeded Bank account
which has been mapped with the National Payment Corporation
of India (NPCI) (which manages all the Aadhaar based payments).

19. How can I change my Aadhaar Seeded bank account?

Depositor should visit their respective home bank branch in person
and submit the Aadhaar seeding form (Please download the Aadhaar
Seeding Form from the Portal). The bank will update the Aadhaar
seeded status with NPCI and the payment will be made to the latest
Aadhaar seeded account. Once the Aadhaar Seeded Statusis updated
by your bank then the refund payment would be routed by NPCI to the
latest seeded bank account.

20. Will Depositor’s Aadhaar information be stored on the Portal?

No, the Depositor’s Aadhaar information is not stored on the
Portal. It is encrypted as per UIDAI norms.

21. What needs to be done if Depositor gets the deficiency Code D009, D010
and D011?
In case the deficiency, is due to the respective Sahara Society not
uploading either the membership form or Account Opening form;
The Sahara Societies have been digitizing their records byscanning
the membership form and account opening form and
i. In case the respective Society has scanned the membership
form and/or Account opening forms and the status of the
same has been updated by the society on portal, depositors
are requested to resubmit the claim for the portal to process
your application again which will be sent to Society for
processing by them
ii. In case the respective Society has not scanned the
membership form and/or account opening form, the Society
would be requested to scan the above forms digitally and
update the status with the portal. The Depositor is also
requested contact the society for uploading the requisite
forms.
22. Will the Depositor be able to modify the form once it’s generated?
It is requested that you rectify all the deficiencies for all the
deficient claims before generating and signing the Resubmission
form and uploading (submitting) the same. Once the Resubmission
form is generated you cannot modify the form.

23. Can Depositor upload documents in any file format?

The Depositor can upload the documents in PDF/JPEG/PNG/JPEG2.

24. Does Depositor need to provide details of all deposits in a single claim form?
Yes, the Depositor has to provide details of all the deposits across all
Sahara societies where Depositor has outstanding dues receivable
by adding all the claim details, one by one, in a single claim form.

25. What should a Depositor do, if he/she has multiple deposit accounts?
If the Depositor has multiple deposit accounts, Depositor needs
to fill out a single Claim Application Form for all of them. However,
Depositors must scan and upload the original certificate of deposit
(CD) or passbook individually for each account.

26. Can Depositor add more claims after submitting the Claim Form?
No, Depositor cannot add further claims once the Claim Form is
submitted. Therefore, ensure that all the details are accurately entered
and verified before submission.

27. What should Depositor do after verifying the claimed data?

After verifying the claimed data, download and print the Claim
Form. Affix your recent photograph and duly sign across the photo
as well as the Form. Finally scan, upload and submit the Claim
Form.

28. Is there an option to resubmit refund application by submitting

physical application?
The current process of receiving claim applications is a digital
process considering the magnitude and scale of the process.
Accordingly, no physical claim application can be submitted in the
current process.
29. How will Depositor know if the claim resubmission was successful?
Upon successful submission of the claim, an acknowledgementnumber
will be visible on the Portal and a SMS will be sent to theregistered
mobile number of the Depositor for confirmation.

30. How long will it take for the Sahara Societies to verify the claim?
The Sahara Societies will verify the claim and process in 30 days
after successful submission of the claim.

31. Who will process Depositor claim after verification by the Sahara
Societies?
After verification by the Sahara Societies, the Authorized verifier and
CRCS will process your claim in the next 15 days.

32. How will Depositor receive the refund /claimed amount?

The refund of claimed amount will be directly credited to
Depositor’s Aadhaar seeded bank account only after 45 days from
the date of successful claim submission.Can a Depositor exit even
though he/she has partially filled up the claim application form on
resubmission portal?
Yes, Depositor can exit the resubmission Portal by clicking on the
logout button. The depositor can come later and login to continue the
claim application.

33. Will Depositor receive any notification when the refund is approved?
Yes, the Depositor will receive a communication through SMS and
through the portal, when the claim request is approved.

34. What is the maximum payment amount I can receive through the
portal?
The maximum payment amount currently is capped at Rs.
50,000/- or a lower amount, depending on the aggregate value
of all the claims you have submitted through the CRCS-Sahara
Refund Portal.

35. What happens to the remaining balance amount after I receive Rs.
50,000/-? The
decisions on this will be communicated later after considering the
number of applications received and the overall claim amounts
 involved.

36. Can I resubmit my claims if I had deficiencies in my

previous submissions?
Yes, depositors with deficient claims are advised to resubmit their
claims through the Resubmission Portal after rectifying any
deficiencies communicated to them via SMS/Email/ Portal.

37. What if my Aadhaar Name is not matching with Name appearing on my

Deposit Certificate(s)/Passbook(s)?
You can resubmit your claim application even if the Aadhaar Name
differs with the Name appearing in Deposit
Certificate(s)/Passbook(s). You have to enter your Name as appearing
on the Deposit Certificate(s)/Passbook(s) in the field provided and
submit Notarized Affidavit on a Rs.10 non-judicial stamp paper along
with any one of the following scanned self- attested Photo-ID card viz.
a. Passport
b. PAN Card
c. Bank Passbook with Photo attached and attested by Bank official
d. Driving License
e. EPIC (Voter Id Card)
f. NREGA Job Card with Photo
g. Photo ID Card issued by Govt. or PSU-Employer
In case of a lady whose name has undergone change post marriage
h. Proof of Marriage for e.g. Marriage certificate or Wedding card
with wedding photo along with any other Photo-ID Card from the above
list, the format of affidavit is available in the portal and is also attached
in the end of the FAQ.

38. Can I use the same affidavit for multiple claims with Variations in
Aadhaar name?
Yes, you can upload a single affidavit containing variation in the
name as in the deposit certificates/ Passbook to be uploaded by the
depositor once and linked to multiple claims as has been done in
the case of PAN.

39. What if my name has changed due to marriage?

You have to submit self-attested Proof of Marriage for e.g. Marriage
certificate or Wedding card with wedding photo along with any other
Photo-ID Card mentioned at FAQ 39.
40. Is it compulsory to upload updated RD passbook?
Yes, it is compulsory to upload the updated RD passbook. The
depositor is requested to upload first and last page updated with all
the entries of transactions (payments made to the Society).

41. In cases where holder of the deposit certificate is deceased,

whether nominee or legal heir can apply for refund?
The current digital processing at this stage does not have provision
for handling claim application submitted by a nominee or a legal
heir.
Accordingly, only application for self can be made in the current
process in the portal.
 42. Whom should Depositor contact for assistance during the claim
filing process?
For any queries during the filing process, kindly contact to the
respective Sahara Societies as mentioned below.

Sr. Name of Sahara Co-operative Contact No.

No. Societies
1 Sahara Credit Cooperative Society Limited Toll Free Numbers:
2 Saharayan Universal Multipurpose Society
Limited 0522 6937100 ,
3 Humara India Credit Cooperative Society 0522 3108400 ,
Limited 0522 6931000 ,
4 Stars Multipurpose Cooperative Society 08069208210
Limited

43. What Action needs to be taken by the depositor for each of the
error message?
Please refer to the Deficiency table below

Sr Defici Deficiency Message Action Item

No. ency (Message/Hover/Pop up)
Codes

1. D001 The amount has already been As per the society records/database,
refunded to the depositor. your amount has already been
refunded. Therefore, the claim would
not be processed.

2. D002 More than 5 applications have Kindly update your registered mobile
Been submitted from the same number to a different mobile number

Mobile number. Therefore, pl. re- linked to your Aadhaar for

apply using the mobile number Resubmitting your application
linked with Aadhaar for refund.
D003 Kindly upload a clear/legible image of
3. Incomplete claim form / Photo /
Signature missing the signed claim form / Photo on the
portal.
4. D004 Signature on claim form not
Kindly upload a clear/ legible
Matching with signature on
Application form with a Signature
Account opening matching with the signature made at
form/Membership form the time of Account opening
form/Membership form.
S.N Deficiency Action Item
Codes Deficiency Message (Message/ Hover/Pop
up)

Kindly upload a clear/legible image

5. D005 Depositor has not provided of your deposit slip and proof of
proof of his/her deposit and claim. In case of passbook, please
proof of claim or Invalid Proofs/ get your passbook updated and re-
illegible proofs Upload the first and last
Page (updated)on the
portal.
Depositor has not provided/
6. D007 uploaded the PAN Card/Invalid Kindly upload a clear/legible image
PAN Card/Illegible PAN Card of your PAN card for processing
(applicable only in cases your claim.
wherethe total deposited
principal amount is more than
Rs.50,000/-)
Multiple memberships of the One person can have only one
7. D008 Depositor exist in a society. membership in a society
Only claims relating to and accordingly claims
the earliest membership in pertaining to your one
the claim application shall membership number in a
be Society shall be processed.
Processed.
The Sahara Societies have been
digitizing their records by scanning
the membership form and account
opening form and
i. In case the respective Society has
scanned the Membership form
and the status of the same has
been updated by the society on
8. D009 Membership Form Not portal, depositors are requested
Uploaded by the Society. to resubmit the claim for the
portal to process your
application again which will be
sent to Society for processing.

OR
 ii. In case the respective Society has
not scanned the Membership
form, the Society would be
requested to scan the above
forms digitally and update the
status with the portal. The
Depositor is
also requested contact the
society for uploading the
requisite forms.

The Sahara Societies have been

digitizing their records by scanning
the membership form and account
opening form and
9. D010 Account Opening Form Not i. In case the respective Society has
Uploaded by the Society scanned the Account opening
forms and the status of the same
has been updated by the society
on portal, depositors are
requested to resubmit the claim
for the portal to process your
application again
which will be sent to Society for
processing.
OR

ii. In case the respective Society has

not scanned the account opening
form, the Society would be
requested to scan the above
forms digitally and update the
status with the portal. The
Depositor is
also requested contact the
society for uploading the
Requisite forms.
S.N Deficiency Action Item (Message/
Codes Deficiency Message Hover/Pop up)
The Sahara Societies have been
digitizing their records by scanning
the membership form and account
opening form and
i. In case the respective Society has
scanned the membership form
and/or Account opening formsand
the status of the same has been
Society has not uploaded Scanned updated by the society on portal,
10. D011 Images of Account opening depositors are requested to
Form/Membership Form. Please resubmit the claim for the portal
contact Society. to process your application again
which will be sent to Society for
processing.

OR

ii. In case the respective Society has

not scanned the membership form
and/or account opening form, the
Society would be requested to
scanthe above forms digitally and
update the status with the portal.
The Depositor is also requested
contact the society for uploading
the requisite forms.
Your claim cannot be processed as the
Claimant/Depositor details not in details of your claim is not available in
11. D012 the Sahara Society database or Not a the database provided by the Society.
member of the Society Kindly contact your respective society
in this
regard and thereafter resubmit with
correct details.
The details provided by the Your claim cannot be processed as the
depositor has not matched with the details of your claim is not available in
12. D013 society database/ records the database provided by the Society.
provided by the Society (Name/ Kindly contact your respective society
Membership/ Account No. etc.) . in this
regard and thereafter resubmit with
correct details.
The deposit was made on or after
22.03.2022 in case of Sahara Credit
Cooperative Society Ltd., Lucknow, The claim is not eligible as it is
13. D014 Saharayn Universal Multipurpose outside the scope of the Portal
Society
Ltd., Bhopal and Humara India
Credit Cooperative Society Ltd.,
Kolkata and on
S.N Deficiency Action Item
Codes Deficiency Message (Message/ Hover/Pop
up)
or after 29.03.2023 in case of Stars
Multipurpose Cooperative Society
Ltd., Hyderabad

Your claim cannot be processed

14. D015 Amount Due to the Society because as per society records the
exceeds the Principal Deposit amount due to the society is more
Amount. than the Principal deposit amount.
Your claim cannot be processed
15. D016 The loan from/ dues to the society because asper society records the
exceed the amount deposited loan amount payable to the society is
more than the deposit amount.
Your claim cannot be processed since
Name as from/in portal is not name as per Aadhaar is not matching
16. D017 matching with name with Sahara with the name present in the Sahara
records records Kindly
provide additional photo-ID and
submit Affidavit on the
ResubmissionPortal.
Your claim cannot be processed since
Aadhaar Full Name does not match name as per Aadhaar is not matching
17. D018 with the database/ records with the name present in the Sahara
provided by the Society records. Kindly provide additional
photo-ID and submit Affidavit on the
Resubmission Portal.
The Claim has already been Since the combination of Aadhaar
18. D019 No./Membership No./Account No
submitted for this Aadhaar
has already been processed
No./Membership
No./Account No. therefore your claim cannot be
processed.
Your claim cannot be processed since
19. D020 The deposit for his/her
the deposit has matured after 31st
claim has matured
March 2023and is outside the scope of
after the Portal.
31 March 2023
Your claim cannot be processed as the
The details provided by depositor details of your claim do not match with
has not matched with the society the records provided by Saharain the
20. D021 database/ records provided by the portal. Kindly contact your respective
Society (Name/ Membership/ society or resubmit with correct details
Account No. etc.) or The deposit has or in case your claims mature post 31
matured after 31 March 2023 March 2023 your claim is outside the
scope of the
portal.
 45. What Action needs to be taken by the depositor for each of thePayment
related Deficiency?
Deficiency Action Item (Message/Hover/Pop
S.N. Deficiency Message
Code up)

Aadhaar mapping
1 96 does not Beneficiary should visit the bank branch
exist/Aadhaar where they have an active account in order
number not mapped to get their account seeded to their Aadhaar
toIIN number.
The form for Aadhaar seeding can be
easily accessed on the portal or
2 1 Account Closed or obtained from the respective bank
Transferred branch.

Beneficiary should visit the bank branch

where they have an active account in order
Account reached to get their account seeded to their Aadhaar
3 58 maximum Credit limit number.
set on account by Bank The form for Aadhaar seeding can be
easily accessed on the portal or
obtained from the respective bank
branch.

Also do check if there is no credit limit.

4 64 Aadhaar Number not

Mapped to Account
Number Beneficiary should visit the bank branch
where they have an active account in order
5 10 Unclaimed/DEAF accounts to get their account seeded to their Aadhaar
number.
6 95 Inactive Aadhaar The form for Aadhaar seeding can be
easily accessed on the portal or
obtained from the respective bank
7 51 KYC Documents Pending branch.

8 78 Invalid Bank Identifier

Invalid
9 71 account(NRE/PPF/CC/Loa
n/FD)
Beneficiary should visit the bank branch
10 68 A/c Blocked or Frozen where they have an active account in order
to remove any hold in their seeded account.
Page 10 of 12
 AFFIDAVIT
(Non-judicial stamp paper of Rs. 10 value)
(Affidavit certified by a Notary to be produced by Applicant for his/her name
mismatch between Aadhaar and Society’s FD Certificate/Pass-Book for the
purpose of Resubmission of Application on CRCS-Sahara Refund Portal
(Resubmission) Please type or Use Capital Letters for legibility while filling up
details)

Photo

I ………………………………. S/o/D/o/W/o .......................................... DoB ………………………

residing at …………………………………………. (Present address) and permanent address
…………………………….……………do solemnly affirm and state as under:
1. That I am the citizen of India.
2. That my name in Aadhaar is mentioned as …..………………..………………….
3. That I am a member of
Name of Society Membership Number
i)
ii)
iii)
iv)
4. That my name as in the FD Certificate(s)/RD Pass-Book(s) of the above
Society (ies) is mentioned as ………………….
5. I, hereby declare that above names pertain to one and same person i.e. the
Deponent being both the account holder and the member of the Society; and
for confirmation of above fact, I am attaching a self-attested copy of my
Photo ID i.e. Passport/ PAN Card/ Bank Pass Book/ Driving License/ EPIC
(Voter Id Card)/ NREGA Job Card / Govt. or PSU-Employer’s ID Card/ Proof
of Marriage for e.g Marriage certificate or Wedding card with wedding photo
along with other Photo ID Card.
6. If any of the information given by me in the above is subsequently proven to
be incorrect or false, I hereby undertake to return the refunded amount
along with the applicable interest to ‘Sahara-CRCS Refund Account’ and
indemnify the “Sahara CRCS Refund Account’ to the said extent.

Signature
(Deponent)
Page 11 of 12
 Verification

Verified and I solemnly state that the contents of this affidavit are true to the
best of my knowledge and belief and that nothing has been concealed
therein. Further, I shall also be liable for any civil or criminal action in
accordance with law, in case of any falsehood or misrepresentation.

Signature
(Deponent)
Place
Date:

Signature of Notary Notary Seal

Name of the Notary

Registration ID No.

Address

Page 12 of 12