Our Services

Membership / Shares

• Application with 2 passport photos, address proof, PAN, Aadhaar, etc.
• Share Value: ₹1000 (minimum 2 shares required).
• Admission fee: ₹500 (non-refundable).
• Share certificates issued after approval.
• Objective: Provide financial help to members at affordable rates.

Compulsory Deposit (CD)

Every member contributes to the Compulsory Deposit (minimum ₹500/month). Interest is paid annually at applicable rates.

Saving Deposit Account (SDA)

• Interest: 5% per annum.
• No cheque facility available.
• No TDS deducted on withdrawal.

Fixed Deposits (FD)

• Accepted from members only, PAN required.
• No cash accepted; secrecy maintained.
• TDS applicable as per govt. rules.
• Loan available up to 90% of FD amount (interest = FD rate + 1%).

Ordinary Loan

Loans up to ₹1 lakh are available after 3 months of membership, depending on duration. Members may also stand as surety.

Emergency Loan

Members can avail loans up to ₹1,00,000 repayable within 12 months with applicable interest.