Popular
6%
per year
Child Future Security Savings
- For children under 18
- Concessional loan for education needs
Choose a scheme
Find the scheme that fits you
Women Special
10.00%
per year
Women Empowerment Savings
- Built for women members' financial independence
- Special discount on home and small business loans
- Maternity nutrition allowance of Rs. 5,000
- Free mobile banking
High Return
11.00%
per year
Fixed Term Deposit
- Terms from 1 to 5 years
- Instant loan up to 90% of the deposit
- Secured by the cooperative's reserves
- Option to renew before maturity
SME
12%
diminishing
Business & SME Enterprise Loan
- For shops, trade and small industry
- Up to 70% of assessed collateral value
- Simple paperwork, decision within 3 days
- Business advice and bookkeeping support
Subsidized
11%
diminishing
Subsidized Agriculture & Livestock Loan
- Vegetable farming, dairy, poultry and fisheries
- Linked with agricultural insurance
- Repayment matched to the production cycle
- Free technical training
Home Dream
12.00%
diminishing
Home Construction & Land Loan
- New house, flat purchase or repairs
- Finance for buying a plot of land
- Released in stages as construction progresses
- Interest charged on diminishing balance
Member Welfare
Rs. 5,000
Maternity Nutrition Allowance
- For women members who save regularly
- Apply within 35 days of the birth
Member Welfare
Up to Rs. 10,000
Medical Treatment Support
- For members admitted to hospital
- Hospital bill and recommendation required
Core services
What We Offer
Saving Schemes
- Regular monthly savings
- Voluntary / daily savings
- Fixed term deposit (11%)
- Child future savings (9.5%)
- Women self-reliance savings (10%)
- Senior citizen savings (10.25%)
Loan Facilities
- Business & small enterprise loan (12.5%)
- Agriculture & livestock loan (11.5%)
- Home construction & land loan (12%)
- Higher education loan (11%)
- Vehicle & electric vehicle (EV) loan
Training & Education
- Household financial literacy
- Cooperative leadership & governance
- Business planning & bookkeeping
- Entrepreneurship & skills development
Quality Assurance & Welfare
- Institutional grading & monitoring
- Member welfare relief fund
- Regular internal & external audit
- Digital banking & QR security
Interest rates
Savings and Loan Interest Rates
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| S.N. | Scheme | Type | Rate | Min. balance / Term | Payment | Action |
|---|---|---|---|---|---|---|
| 1 | Child Future Security Savings | Savings | 6% | Rs. 500 | Quarterly interest | |
| 2 | Women Empowerment Savings | Savings | 10.00% | Rs. 1,000 | Quarterly interest | |
| 3 | Fixed Term Deposit | Savings | 11.00% | Rs. 25,000 | Monthly / quarterly | |
| 4 | Business & SME Enterprise Loan | Loans | 12% | Up to 5 years | Monthly instalments | |
| 5 | Subsidized Agriculture & Livestock Loan | Loans | 11% | Up to 7 years | Quarterly / per harvest cycle | |
| 6 | Home Construction & Land Loan | Loans | 12.00% | Up to 10 years | Diminishing balance |
Rates may change by decision of the board. Please confirm the current rate with our office.
