Fixed Deposit provides a member with an opportunity to build up saving by investing a fixed sum for a fixed period of time. Under this scheme a member can deposit a fixed amount for a fixed tenure at an agreed rate of interest. At the end of tenure, member is entitled to receive the invested amount plus the interest at the rate agreed upon. Even if interest rates fall after you open a Fixed Deposit, you will continue to receive the interest at the rate decided at the at the time of investment. An FD certificate will be issued to the member at the time on investment.

Note :- No interest will be paid if the member desires to withdraw FD before its maturity.

Optional Deposit helps the members to save funds, keep it safe and withdraw such funds at any time he want. It is a flexible deposit whose withdrawal is not barred by any maturity period. Members are also entitled to an interest on the deposits made under OD.

Share money is an amount paid to the society for seeking membership with the society. Member?s share money is used in determining maximum amount of loan to be sactioned to such member. In order to acquire higher amount of loan, member has to increase the share money accordingly. Share money can not be withdraw during the membership with society. However, it is refundable only at the termination of the of the membership.

A member can avail a Regular Loan from the society at a specific rate of interest to paid to the society. Members can submit an application for loan in a prescribed manner along with the required documents and acknowledgement of sureties. The loan amount shall be released only after execution of BOND between society and the applicant member duly signed by the applicant as well as sureties.

A member can repay the loan amount in easy monthly installments. Each installment shall be paid on or before 10th day of every month failing to which penal interest may be charged.

To overcome the financial emergencies of the members, society endeavors to help its members by providing an Emergent Loan which does not require long application process. Member can submit an application for emergent loan in a prescribed manner. Emergent loan do not require any acknowledgement sureties which makes it more flexible to avail loan under this scheme. The loan amount shall be released only after execution of BOND between society and the applicant member.

Member can repay the loan amount in 20 monthly installments along with the interest payable at the rate agreed upon. Each installment shall be paid on or before 10th day of every month failing to which penal interest may be charged.