RD
Recurring Deposit
Save a fixed amount every month and earn attractive returns.
Monthly₹500 & above
Term1 year or more
Maturity value₹6,332on ₹500 / month for 12 months
Registered Souharda Co-operative Society · Since 2022
Co-operative society for a new era.
Navayuga Credit Souharda Co-operative Society Ltd. is a member-owned institution in Pumpwell, Mangaluru, offering practical solutions designed to support your savings, growth and goals.
11% p.a.Highest FD rate
2×Cash certificate in 90 months
11Loan products
Best rate
Fixed Deposit · 999 days
11%p.a.
Senior citizens
Fixed Deposit · 366 days
10.50%p.a.
Monthly income
MIS · 3 years
10%p.a.
Quarterly payout available on eligible plansAll rates
President’s message
A New Era of Trust, Service & Progress
Welcome to Navayuga Credit Souharda Co-operative Society Ltd.
It is our privilege to serve our members with a commitment to trust, transparency, and excellence. We believe a strong co-operative is built by creating meaningful opportunities for its members and contributing to the well-being of the community.
Our journey has been guided by integrity, innovation, dedicated service, and collective progress. We remain committed to providing dependable financial solutions that support the aspirations and financial well-being of our members.
As we look to the future, we will continue to focus on quality service, innovation, and inclusive growth, while strengthening the trust our members place in us.
Your Trust, Our Commitment, Your Growth, Our Priority.
Mr. Chethan Kumar BFounder & President
What we offer
Explore all services
Everything a member needs, under one roof
Deposits
Fixed, recurring and special schemes with returns of up to 11% p.a.
View rates
Loans
Eleven loan products, from gold and vehicle to housing and business.
Explore loans
Insurance
Vehicle, health, accident, general and LIC policies under one roof.
See covers
Value Added Services
PAN, RTGS/NEFT, cheque clearing, CSC & e-stamp and SMS alerts.
All servicesFlagship scheme
999-day Fixed Deposit
“Invest for tomorrow. Earn more today.”
Our highest-earning deposit. One investment, a 999-day tenure and 11% per annum — with the option of a quarterly payout at 0.50% lower for those who want regular interest.
- Highest rate across all tenures
- Senior citizens and reserved categories also earn 10.50% on 366 days
- Quarterly payout option available
Highest rate
11% p.a.
Indicative maturity on ₹1,00,000₹1,30,107
Fixed deposits
Rates that make saving worth it
From 46 days to 999 days, choose the tenure that fits your plan. Senior citizens and reserved categories earn an additional benefit on one-year deposits.
- Quarterly interest payout on eligible plans at 0.50% below the standard rate
- Monthly Income Scheme pays 10% p.a. every month for 3 years
- Navayuga Cash Certificate doubles your investment in 90 months
| Tenure | Relative rate | Rate |
|---|---|---|
| 46 – 90 days | 5%p.a. | |
| 91 – 181 days | 5.50%p.a. | |
| 182 – 272 days | 6%p.a. | |
| 273 – 365 days | 7%p.a. | |
| 366 days to less than 3 years | 10%p.a. | |
| 366 days · Senior CitizenSenior | 10.50%p.a. | |
| 366 days · Reserved categoriesSpecial | 10.50%p.a. | |
| 555 days | 10.25%p.a. | |
| 777 days | 10.50%p.a. | |
| 999 daysBest rate | 11%p.a. |
Recurring deposits
Small monthly savings, big maturity values
Pick a goal — a lakh in three years, your child’s education, or a long-term nest egg — and let a fixed monthly instalment get you there.
LKS
Lakhapathi Scheme
Grow your funds steadily and work towards your future goals.
Monthly₹2,500
Term36 months
Maturity value₹1,05,186
NKS
Navayuga Kalyan Scheme
Build your savings steadily for a stronger financial future.
Monthly₹1,000
Term180 months
Maturity value₹4,14,756
CEP
Child Education Plan
Save regularly to support your child’s education and future needs.
Monthly₹1,500
Term144 months
Maturity value₹4,15,664
MSY
Mahila Samriddhi Yojana
Empowering women through smart and regular savings.
Monthly₹750
Term36 months
Maturity value₹31,556
MUY
Mahila Ujjwala Yojana
Smart savings for women, brighter tomorrows.
Monthly₹1,500
Term36 months
Maturity value₹63,112
Leadership
Meet the full board
Four visionaries. One new era.
Navayuga was founded by four professionals who served in co-operative institutions and came together to build a society dedicated to its members.
President
Chief Executive Officer
Branch Manager
Development Manager
Loans
All loan products
Credit that moves with your life
Gold, vehicle, housing, business or an express loan for the unexpected — eleven products with clear terms and quick appraisal.
Personal Loan
Finance your personal needs with confidence.
Meet your personal financial needs with a convenient loan solution designed for various expenses and requirements.
Business Loan
Support your business. Grow with confidence.
Get financial support to start, expand or strengthen your business and manage your working capital needs.
Housing Loan
Your dream home, made possible.
Make your dream of owning a home a reality with financing for home purchase, construction or eligible housing needs.
Mortgage Loan
Unlock the value of your property.
Unlock the value of your property with a secured loan facility to meet your personal or business financial requirements.
Overdraft / Credit Loan Facility
Flexible funds when you need them.
Access flexible funds to manage temporary cash-flow requirements through an overdraft facility against eligible security.
Self Help Group Loan
Together for financial growth.
Support group members with accessible financing for small businesses, income-generating activities and financial growth.
Gallery
View the full gallery
Moments from our inauguration
The society opened its doors on 30 June 2022 at Padmashree Complex, Pumpwell.
0%
Highest deposit rate, p.a.
2022
Inaugurated on 30 June
0
Loan products
0
Board of directors
Good to know
Questions members ask
Can’t find what you need? Call us on 0824-4633362 or walk in — we are open on 2nd and 4th Saturdays too.
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.