Caja Inmaculada

What Caja Inmaculada does

Caja Inmaculada is a Mexican savings and loan cooperative (Sociedad Cooperativa de Ahorro y Préstamo de Responsabilidad Limitada de Capital Variable) headquartered in Santiago de Querétaro, operating 27 physical branches across the states of Querétaro, Guanajuato, San Luis Potosí, Ciudad de México, and Estado de México. The cooperative serves member-depositors with a comprehensive retail-banking suite spanning eight credit products (ordinary, seasonal, automotive, mortgage/CrediVivienda, mortgage refinancing/Cambia tu Hipoteca, liquidity/CrediLiquidez, business/CrediNegocio, and agricultural/Crédito Agroproductivo), four savings vehicles (ordinary savings, demand deposits, fixed-term deposits, and minor savings accounts), and ancillary services including debit cards, online transfers, mobile airtime recharge, and cash deposit kiosks.

The institution's technology layer centers on the INMACULADA móvil mobile banking application (available on iOS and Android), the proprietary RED Inmaculada ATM network that accepts interbank cardholders, and Cajero Receptor payment kiosks for cash deposits and credit servicing. These digital and self-service channels operate alongside the physical branch distribution rather than replacing it, reflecting a hybrid sales-led go-to-market typical of Mexican SOFIPOs.

Revenue is generated primarily through net interest spread on the loan portfolio (interest and fees collected on credits minus interest paid on deposits), supplemented by transaction fees from interbank ATM withdrawals, mobile airtime recharge commissions for Telcel and Movistar networks, and ancillary service charges. As a member-owned cooperative, the institution is governed by its depositor-owners rather than external shareholders, with no disclosed venture capital, private equity, or parent-company ownership; financial information is not publicly disclosed beyond a costs-and-commissions document for members.

Name

Caja Inmaculada

Legal name

Caja Inmaculada, Sociedad Cooperativa de Ahorro y Préstamo de Responsabilidad Limitada de Capital Variable

Website

https://cajainmaculada.com.mx

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Caja Inmaculada is a Mexican member-owned savings and loan cooperative (SOFIPO) headquartered in Querétaro, operating 27 branches across central Mexico to deliver credit, deposits, and digital banking services to individual members, small businesses, and agricultural borrowers.

Ownership category

akta.pro rank

Headquarters

HQ city

Querétaro

HQ country

Mexico

HQ region

Latin America

Offices27 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Interest Income from Loans: Interest and fees collected on various credit products including ordinary credit, seasonal credit, automotive loans, mortgage loans (CrediVivienda), liquidity loans, business loans (CrediNegocio), and agricultural loans (Crédito Agroproductivo).
2. Savings Deposits: Accepts savings deposits, demand deposits (Depósitos a la Vista), and fixed-term deposits (Depósito a Plazo Fijo) from members.
3. ATM Transaction Fees: Commissions from ATM withdrawals and transactions for cardholders of other financial institutions using the RED Inmaculada network. Zero commissions for own cardholders.
4. Mobile Airtime Recharge: Commission revenue from mobile phone airtime recharge services for Telcel and Movistar networks.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Caja Inmaculada is a Mexican savings and loan cooperative (SOFIPO) that accepts member deposits — ordinary savings, demand deposits, fixed-term deposits, and minor savings — and lends to members via ordinary, seasonal, automotive, mortgage, liquidity, business, and agricultural credit products. Banking services delivered alongside these include the INMACULADA móvil mobile app, RED Inmaculada proprietary ATM network, debit cards, online transfers, airtime recharges, and Cajero Receptor cash deposit kiosks.

Product overview

Caja Inmaculada is a savings and loan cooperative (Sociedad Cooperativa de Ahorro y Préstamo) offering a comprehensive portfolio of financial products and services. The core offering includes multiple credit products (ordinary, seasonal, automotive, mortgage/CrediVivienda, mortgage refinancing/Cambia tu Hipoteca, liquidity/CrediLiquidez, business/CrediNegocio, and agricultural/Crédito Agroproductivo), savings and deposit products (savings deposits, demand deposits, fixed-term deposits, and minor savings), and banking services (online transfers, mobile banking/INMACULADA móvil, debit cards, proprietary ATM network/RED Inmaculada, mobile recharges, and payment kiosks/Cajero Receptor). The products are distributed through a network of branches across Querétaro, Guanajuato, San Luis Potosí, Ciudad de México, and Estado de México.

Differentiator

Problem solved

Functional benefit

Brands

• INMACULADA móvil: Mobile banking application for account access, transfers, and payments
• RED Inmaculada

Products and services

• Crédito Ordinario Ordinary credit product for general personal financing needs, offered to cooperative members.
• Crédito de Temporada Seasonal credit designed for periodic or seasonal financial needs of members.
• Crédito Automotriz Automotive financing for vehicle purchases, available to cooperative members.
• CrediVivienda Inmaculada Mortgage credit product for home acquisition or construction.
• Cambia tu Hipoteca Mortgage refinancing product allowing customers to transfer and restructure existing mortgage debt.
• CrediLiquidez Liquidity credit for immediate financial needs of members.
• CrediNegocio Business credit for small and medium enterprises (PYMES).
• Crédito Agroproductivo Agricultural productive credit for farming and agribusiness activities.
• Depósitos de Ahorro Savings deposit accounts for personal financial accumulation by cooperative members.
• Depósitos a la Vista Demand deposit accounts allowing immediate access to funds for cooperative members.
• Depósito a Plazo Fijo Fixed-term deposit accounts with predetermined maturity periods for cooperative members.
• Ahorro de Menor Minor savings accounts designed for children and adolescents.
• Traspasos en Línea Online fund transfer service between accounts, available to cooperative members.
• INMACULADA móvil Mobile banking application for iOS and Android providing cooperative members with account access and services.
• Tarjeta de Débito Debit card for ATM withdrawals and point-of-sale transactions issued to cooperative members.
• RED Inmaculada Proprietary ATM network providing cash withdrawals, balance inquiries, airtime purchases, and PIN changes for cardholders.
• Recarga de Celular Mobile phone airtime recharge service available at branches for Telcel and Movistar networks.
• Cajero Receptor Payment kiosk for cash deposits to Vista accounts, debit cards, and savings accounts, plus credit payments, located at the Satélite branch.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators1 record

Recent moves1 record

Expansion highlights5 records

Direct peers

• Caja Morelia Valladolid: Major Mexican SOFIPO offering savings, credit, and member banking services across central Mexico. Comparable in cooperative structure, product mix, and regional deposit-gathering model.
• Finsol: Mexican cooperative financial institution offering savings accounts, credit products, and member banking services. Closely comparable business model and target customer base to Caja Inmaculada.
• Libertad Servicios Financieros: Mexican cooperative financial services entity providing savings products and credit to members. Comparable member-owned structure and product set with overlap in personal and small-business lending.
• Te Creemos: Mexican cooperative-style microfinance institution serving working-class segments with savings and credit products. Comparable in member-driven model and focus on underserved retail borrowers.
• Caja Popular Mexicana: One of the largest Mexican SOFIPOs operating a multi-state cooperative savings and loan model. Directly comparable as a member-owned depository institution serving retail members with credit and savings products.
• Caja Cerro de la Silla: Mexican SOFIPO providing member-owned savings and loan services. Operates with a similar cooperative governance structure and retail-focused credit and deposit offering.

Broad incumbents

• Gentera (Compartamos Banco): Listed Mexican microfinance and banking group serving low- and middle-income segments. Comparable customer base and small-business credit orientation, but operates at significantly larger scale and as a publicly listed commercial bank.

Emerging players

• Nu México: Digital-only bank subsidiary of Nubank operating in Mexico with credit cards, savings, and personal loans. Competes for the same retail deposit and credit customers but via a digital-only model versus Caja Inmaculada's branch-based approach.
• Kubo Financiero: Mexican cooperative-style digital financial platform offering savings, lending, and investment products. Compares through its cooperative governance and mission to expand financial access in Mexico.
• Klar: Mexican digital consumer bank offering deposit accounts, credit, and payments. Competes for similar retail customers in central Mexico through a mobile-first experience that contrasts with Caja Inmaculada's traditional cooperative channel mix.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/cajainmaculada0
• Instagraminstagram.com/cajainmaculada

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Caja Inmaculada