Founder & Managing Director

St.Milagres Credit Souhardha Co-Op Society Ltd., Karwar


Shri. George S. Fernandes, founder and the President of Milagres Co-operative hails from Pascal Nayak’s family from Manki, Honnavar.

He is enriched with 41 years of experience in Co-operative Sector. Apart From this since the beginning of his career, he was a person who took active part in various social causes for the upliftment of the aggrieved section of society. He was shouldered upon various responsibilities and has served in different posts in many organizations. Some of the noted ones are, he served as the President of Catholic Association, Diocese of Karwar from 2006 to 2008. He was appointed as State Secretary in All India Catholic Union. He served as the President of Rotary Club of Karwar under Rotary Dist. 3170 for the year 2008-09. He was awarded with “Rastriya Nirman Ratan Award” at New Delhi. His Undaunted service and Passion towards Rotary was observed by his team members and hence he was shouldered the responsibility of Assistant Governor in the year 2010-11. He also served as a Internal Auditor for All India Catholic Union from 2010 to 2012.

Name: Mr. George S. Fernandes
Address: Rosary Dale, Keshav Shet Road,
1st Cross, Sonarwada, Karwar,
Uttara Kannada Dist.-581304
Mob No.: 9538883679/08382-223600
Date of Birth: 23rd April
Qualification: GDC (Government Diploma in Co-operation)


Catholic Association Diocese of Karwar, Uttara Kannada - President 2006-08
Rastriya Nirman Ratan Award 2007, New Delhi 2007
All India Catholic Union - State Secretary 2008-09
Internal Auditor 2010-12
Rotary District – 3170
President, Rotary Club, Karwar 2008 - 09
Assistant Governor 2010 - 11
Revenue District Chairman (Adult literacy) 2015 - 16
Revenue District Chairman (Partnership with NGO's) 2016 - 17
District Secretary 2013 – 14
Achievement in Banking Services :Award –Mandilik Charitable and Welfare Trust Karwar 2012
Best Coopeartor” Award, by “The Bhatkal Urban Co-opeartive Bank” 2014
Star Campaigner for want of Government Medical College in Karwar, U.K.
Co-ordinator of Railway Users Consultative Committee, Karwar, U.K.
College Development Committee Member of Govt. Arts and Science College Karwar.
Samaja Seva Award by Karnataka Konkani Sahitya and Karavalli Konkani Utsav Karwar, 2015
Sanmana Patra Award by Sarvajanika Shri.Ganeshotsava Samiti,Manki,Honnavar, 2015
Sadhana Gourava Award by Karnataka Konkani Sahitya Academy (Govt.of Karnataka) held at Bhatkal, 2016
Highest Enrollment in Manipal Health Card Award by Kasturba Hospital,Manipal, 2016
Highest Enrollment in Manipal Health Card Award by Kasturba Hospital,Manipal, 2017
Dr.T.M.T Pai Arogya Sevak Award by Kasturba Manipal 2018
No.1 LIC Corporate Agency Award by LIC of India 2018
Certificate of Appreciation by Lions Club of Murdeshwar 2018
Sahakara Ratna Award by kallur Education Trust 2019
Entrepreneur of The Year Award by Federation of Konkani Catholic of Association(FKCA) 2019
Felicitated by Shri Rahul Dravid for being top 2nd performer in Manipal Arogya Card,Mangalore 2019
Was awarded as “No.1 LIC Corporate Agent in all over India”, by LIC of India, held at Bangalore 2022


Mrs. Rosline Fernandes is the Co-founder and the Former President of Milagres since the inception of the society.

She is M.Com post graduate and also acquired a degree in Higher Diploma in Co-operative where she gained detail knowledge about the various aspects of Co-operative in Bangalore. She assisted author Shri. Vaggannavar to write a book on “The Role of Pattana Sahakari Banks in Karnataka”. She has worked in various institutions as an Accounts Officer. Apart from this she is also very keen in social service activities. She has successfully completed her tenure as the President of Inner Wheel Club of Karwar in the year 2012-13. Also she has served the same organization as club secretary twice in the year 2008-09 and 2012-13.

Former President's Message:

During one of the study hour conducted during HDC Degree, I visited Ahmadabad to Amul Dairy. I was totally inspired by Dr. Verghese Kurien who had turned the Amul Diary as a White Revolution. That was the moment, I decided to step forward and make use of the potentials to create a revolution in Co-operative Sector.

My prime objective is to raise our co-operatives as a leading and dominant in comparison to others. My Dream is to provide relevant and innovative financial services to our customers, thus playing a central role in Co-operative movement.