How to Claim and Track Sahara Refund Online Step by Step

Why was Sahara Refund launched?

The New Sahara Refund Portal has recently been launched to process the funds as per the Government-backed Scheme. It gives hope to millions of depositors someone like you, who have been waiting for years to get back their invested money.

The Sahara Group had collected deposits from crores of people through its cooperative societies. It is usually set up to collect deposits from people across towns and villages, give promising decent returns and ensure the safety of money.

But Many investors never got their money back after maturity. To address this, the Government of India launched the CRCS Sahara Refund Scheme in 2023 through the Ministry of Cooperation.

It is a structured program to return the unpaid money of depositors directly to their Aadhaar-linked bank account without the need for any middleman.

Who can apply for the Sahara Refund?

Not every depositor is eligible in the first phase. You can apply if:

1. You deposited money in the Sahara Group cooperative societies. However, the refund scheme covers only four societies:
   • Sahara Credit Cooperative Society Ltd.
   • Saharayan Universal Multipurpose Society Ltd.
   • Hamagree Sahakari Credit Society Ltd.
   • Stars Multipurpose Cooperative Society Ltd.
2. Your claim amount is valid and supported by documents.
3. Your bank account is Aadhaar-linked.
4. You have a mobile number linked with Aadhaar to receive OTP.

Currently, as per the data on the official portal, resubmission is open for claims up to ₹5,00,000 only. Larger claim resubmissions will be announced later.

Important note – If your investment was in other Sahara group companies outside these societies or related company profiles, this particular refund scheme does not apply. If you invested in any of these, then only you are eligible. let’s explore, where to start –

Where to Access the Right Portals

There are two official websites depositors must know:

1. Main Depositor Portal: https://mocrefund.crcs.gov.in/depositor
   • It was first launched in 2023. It may be your find redirect currently.
2. Resubmission Portal: https://mocresubmit.crcs.gov.in/resubmission
   • (It is now active, and it is for correcting claims where deficiencies or payment failures were reported)

Many people get confused between these two. The first is for starting your claim, the second is for fixing issues after a claim attempt or a refund failure. However, the older portal is not active anymore.

Stepwise Process to Sahara Refund Registration

To claim or check your status, you have to go through this process first, and follow these simple steps –

1. First of all, you have to open the portal on any web browser; however, the system suggests using Firefox or Chrome latest version only.
2. Now, tap on the Depositor Registration button in the header menu of the portal.
3. Your Aadhaar plays a major role in DBT (Direct Bank Transfer). Here, you have to enter your last 4 digits of your aadhaar number and your Aadhaar-linked 10-digit mobile number.
4. Fill out a 6-character random captcha and tap on the Get OTP button.
5. After entering, you officially sign up on the portal.

What Is the Correct Way to Submit a Refund Claim

1. Just tap on I agree to accept the UIDAI terms and policy.
2. After registration, go to the Personal Details Page. It is the second page, just after you enter the OTP for KYC.
3. As I already told you, your Aadhaar is required. Enter your 12-digit Aadhaar number and re-enter your OTP.
4. The OTP is required to fetch all your Aadhaar-linked details, such as your name, your birthday, your father, address.
5. Now, your Aadhaar also fetches your bank details, just tap on Get Bank Name. (It only works if you have already done your Aadhaar-seeded process via the bank portal for DBT)

How to fill the Sahara refund Form easily –

1. Now, fill out your Claim information, such as –
   • Select your Society Name
   • Scheme Name
   • Membership Number (Available on your society’s joining papers)
   • Passbook Number
   • Select your Account opening date as per the form.
   • Enter your deposit amount
   • Tick if you received any partial payment or not, and have you taken a loan from society or not?
   • Also, upload your Deposit certificate provided by the Sahara Group. PDF or JPG image, only 200 KB.
2. Click Add Claim.
3. Generate the Claim Request Form, simply download it and fill out the basic information. (The new form is usually already filled out; you just need to print)
4. Affix a recent passport-size photo and sign across the photo & form.
5. On the Next page, simply upload your Claim Form as a scanned copy PDF + Also, your PAN card copy as a PDF or PNG or JPEG under 200kb (Your PAN is mandatory if the claim goes above ₹50,000).
6. Click Ok, Proceed and get a print or take a screenshot of your acknowledgement page, which shows the Claim Reference Number (CRN).

Note: It takes upto 45 working days (no holiday counted please) to refund your amount if everything goes correctly, but save your CRN Details, as it is required to check the status later.

How to Log in and Check the Sahara Refund Status Directly

Once your claim is submitted and you have your CRN number, now, let’s understand how to track your refund request online on the new portal-

1. Just log in using Aadhaar + OTP (same as the registration process, but this time choose the depositor login button).
2. Enter your Claim Reference Number or Aadhaar details.
3. Portal will display your current status:
   • Under Processing
   • Payment Succeeded
   • Deficiency Communicated
   • Payment Failed
4. They also provide the real failure reason (bank mismatch, Aadhaar not linked, IFSC issue, etc.) just after the status information.

Tip – In case you forget your application CRN number or mobile number, you can retrieve it by entering your 12-digit Aadhaar at the login page.

Understanding Status Messages in Plain Words

Status	Meaning	What to Do
Under Processing	Your claim is submitted but still under review (within 45 working days).	You need patience for the completion of 45 days.
Payment Succeeded	Refund has been credited to your Aadhaar-linked bank account.	Check your bank account balance/statement.
Deficiency Communicated	Some issues were found in your documents or details. such as blurry image.	Read deficiency note → resubmit corrected claim.
Payment Failed	Refund transfer attempt failed (account not active, Aadhaar mismatch, wrong IFSC, etc.).	Use the Resubmission Portal to correct and update.

Which Documents Are Needed for Sahara Refund?

• Aadhaar Card (linked to mobile + bank).
• PAN Card (mandatory if claim ≥ ₹50,000).
• Bank Passbook or Statement (updated IFSC & Aadhaar fully seeded with account).
• Your Deposit certificates, Membership no, and required deposit information. (Check all your records in physical papers)
• Claim Request Form (with passport photo + ball-pen signature).

Ifs, Buts, and Common What-If Scenarios

1. If your Aadhaar is not linked to a bank: Simply, visit your bank branch, ask for a seed my Aadhaar with my account for the DBT scheme, then resubmit. Alternatively, you can do it via your mobile banking app at home.
2. But what if your account is closed? Please go to the Myaadhaar portal, log in and track your latest bank-linked account. If any inactive accounts are found, update them.
3. If your PAN is not valid: Update PAN on the Income Tax portal, then resubmit.
4. What if your claim is above ₹5 lakh? – Wait for official notification; resubmission not yet open.
5. If the OTP is not received? – Your Aadhaar-linked mobile may be outdated; update it at the UIDAI centre.

People’s Additional Questions