Unlike commercial banks that prioritise outside shareholders, our society is 100% owned by members, working for the mutual prosperity of everyone.
Earn significantly higher deposit rates on Fixed Deposits (up to 12%) and Recurring Deposits compared to traditional commercial banks.
No Tax Deducted at Source (TDS) on interest earned on member FD, RD and MIS schemes under co-operative tax rules.
Manage your account comfortably via website and Android app. Virtual Accounts provide unique IFSC codes for instant IMPS and NEFT transfers.
Get loans approved smoothly for weddings, medical emergencies, household appliances and vehicles with transparent member guarantors.
Experience the human warmth of cooperative banking. Meet our certified society officers face-to-face at our Laxmi Nagar branch or reach our member desk directly.
Grow your wealth safely with capital security and competitive compounding interest.
Complete flexibility: deposit anytime, withdraw on demand. Comes with Virtual Account for IMPS/RTGS.
Lump sum investment from ₹5,000. Compounded monthly for accelerated compound growth.
Discipline your monthly savings from ₹500/month. Watch small contributions turn into large reserves.
Deposit lump sum once, receive monthly interest directly into your account. Full principal back at maturity.
All member credit facilities carry an affordable, transparent interest rate of 1.5% per month on reducing balance, designed to protect members from exploitative market rates.
For weddings, house renovations, family travel or planned expenses. Flexible repayment tenure from 12 to 48 months with affordable monthly EMIs.
Eligibility & Terms →When unexpected expenses arise, get quick access to emergency funds with minimal paperwork and 12-month tenure that stays easy on your pocket.
Eligibility & Terms →Up to ₹40,000 for hospitalisation of 24 hours or more, available for members as well as direct blood relatives. Focus on recovery while we handle funds.
Eligibility & Terms →Purchase a TV, refrigerator, AC, laptop, washing machine or smartphone against original GST bill without upfront financial stress.
Eligibility & Terms →Fulfil your dream of owning a motorcycle or scooter with financing up to ₹40,000 and budget-friendly step-up EMIs up to 48 months.
Eligibility & Terms →Need urgent funds? Borrow up to 90% of your FD value or 75% of MIS without breaking your deposit or losing compound interest benefits.
Eligibility & Terms →Everything in one place: deposit rate tables, membership fees, loan limits and the documents you need. Preview online or save the PDF to share with your family on WhatsApp.
Month-wise Recurring Deposit tables from 12 to 72 months, Fixed Deposit and Monthly Income rates, Lakhpati and 8x schemes, plus the society’s IMPS/NEFT/QR payment details.
See every facility the society offers, the documents required with a loan form, guarantor rules and the compulsory deposit, share money and Kalyan Fund for each loan amount.
Need a printed copy? Visit our branch in Laxmi Nagar or message us on WhatsApp. Rates and rules are as printed in the brochure; please confirm the latest terms with the branch.
Membership is open to any adult (18+) as well as registered companies, partnerships, LLPs, trusts and institutions.
Keep your basic government identity documents ready: Aadhaar/Voter ID, PAN Card, electricity/water bill, and 2 passport photos.
View KYC Checklist →Visit the society working office in Laxmi Nagar or connect with a society representative to fill the membership enrollment form.
Office Locations →Upon verification, your membership is officially active! Avail high-interest deposits, loan facilities, and your Virtual Account.
Join Now →Deposit funds anytime via PhonePe, Google Pay, Paytm or Netbanking using your dedicated Virtual IFSC Account. Enjoy instantaneous credit alerts and mobile passbook tracking across Delhi.
Everything you need to know about society membership, deposits, tax benefits and credit facilities.
Take the decisive step towards high-yield savings up to 12% p.a., complete Zero TDS freedom under Section 194A, and compassionate member credit facilities. Join thousands of Delhi families building their secure financial future.
