An important component of the Women's Dairy Cooperative Leadership Programme is organisation of thrift groups.  Thrift groups mobilise member savings, making them available either directly, or as loans, both for maintaining milch animals during the lean season as well as for the purchase of new livestock.  As important, it provides a place where women can save their earnings from sale of milk to their cooperative.

An additional benefit of thrift groups is the experience women gain in managing their own institutions, experience which prepares them to assume greater responsibilities in managing their DCS and Union.

NDDB has also undertaken promoting women's thrift cooperatives on a pilot scale.