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Everything members ask us about accounts, deposits, loans and services. If your question is not here, call or walk in — we are happy to help.
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Who can become a member?
Any individual residing in the society’s area of operation can apply for membership at the branch with identity and address proof. Membership entitles you to open accounts and avail loans...
What documents do I need to open an account?
A passport-size photograph, PAN card, and an identity and address proof such as Aadhaar, voter ID or driving licence. Our staff will guide you through the form at the counter.
What are your working hours?
Monday to Friday 9:30 AM to 5:30 PM, Saturday 9:30 AM to 5:00 PM. Sunday is a holiday. The 2nd and 4th Saturdays of every month are working days.
Is interest paid monthly or at maturity?
Standard Fixed Deposits pay at maturity. Eligible plans offer a quarterly payout at 0.50% below the standard rate, and the Monthly Income Scheme pays interest every month.
Which deposit gives the highest return?
The 999-day Fixed Deposit at 11% p.a. is our highest rate. Senior citizens and reserved categories earn 10.50% on a 366-day deposit.
Who qualifies for the reserved-category rate?
Widows, persons with disabilities, ex-servicemen, religious institutions and charitable trusts earn 10.50% p.a. on a 366-day deposit. Supporting documents must be submitted at the time of deposit.
What is the minimum recurring deposit?
A Recurring Deposit starts at ₹500 per month for a term of one year or more. Special plans such as Lakhapathi (₹2,500 for 36 months) and Mahila Samriddhi (₹750 for 36 months) have fixed instalments.
How does the Navayuga Cash Certificate work?
You invest a lump sum once and it doubles in 90 months. It suits members saving for a long-term goal who do not need periodic interest.
What documents are needed for a loan?
Identity and address proof, income or business proof, and documents for the security offered (property papers, vehicle invoice, gold ornaments, etc.). Our team will guide you through the exact list for your loan.
How quickly is a gold loan sanctioned?
Gold loans are appraised at the branch and, once the ornaments are valued and documents verified, are typically disbursed the same day.
Can I repay a loan early?
Yes. Loans can be prepaid or closed early at the branch. Any applicable charges will be explained clearly before you sign.
Do you offer insurance?
Yes. Vehicle, health, accidental and general insurance, as well as LIC policies, can be arranged and serviced at our branch.
Can I transfer money to other banks?
Yes. RTGS and NEFT transfers to any bank in India and cheque clearance are available at the counter.