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Any current or retired employee of the Basic Education Department within our jurisdiction is eligible. You need a valid EHRMS code, an active salary account, PAN, Aadhar, and no history of cooperative defaults. Family members of deceased members may apply under nominee provisions.
₹ 1,000 as share capital (refundable when you leave) + ₹ 100 annual membership fee. That's it — no hidden joining fees, no processing charges.
Typically 3-5 working days. Secretary's review takes 1-2 days, MD's final approval takes another 1-2 days. Urgent cases (medical emergencies) can be fast-tracked — call the office.
Only salary-drawing employees of the Basic Education Department can become primary members. However, your spouse or family can be named as nominee on your accounts.
Yes. Give 3 months' notice, clear all outstanding loans and EMIs, and we'll refund your share capital within 90 days of your membership closure.
Yes. Your deposits are protected by the society's reserves and capital. We are regulated under the UP Co-operative Societies Act, 2019, audited annually by a government-approved auditor, and every transaction is recorded in an immutable audit trail which any member can inspect.
Savings: 4.5% p.a. · FD: up to 8.5% p.a. (senior citizens +0.5%) · RD: up to 8.0% p.a. Rates are reviewed quarterly by the Board and announced in advance.
Yes, with a premature withdrawal penalty of 1% on the applicable interest rate. However, if you need liquidity, consider an Emergency Overdraft against your FD instead — you don't lose your interest, and you only pay interest on the amount you actually use.
Bank transfer via NEFT/UPI, standing instruction from your salary account, cash at our office, or via the member dashboard (UPI/card). All deposits reflect within 24 hours and you get an automatic receipt.
Yes. Interest income above ₹ 10,000 per year is taxable as per the Income Tax Act. We issue Form 15G/H facility and annual interest certificates for your tax filings.
₹ 5,000 to ₹ 5,00,000 depending on your repayment capacity (typically up to 40% of your net salary as EMI). First-time borrowers are usually sanctioned up to ₹ 2,00,000.
(1) Latest 3-month bank statement, (2) Most recent salary slip, (3) Photo ID (Aadhar/PAN), (4) Purpose of loan (self-declaration is fine), (5) Nominee details. A guarantor is optional for loans up to ₹ 1,00,000.
Starting from 10.5% p.a. on reducing balance method. Exact rate depends on loan amount, tenure, and your relationship (longer-serving members get better rates). Processing fee is 1% only.
3-5 working days for standard applications. Emergency OD (against your own deposit) can be same-day.
Yes. Partial prepayments anytime with no penalty. Full prepayment allowed after 6 months of regular EMIs. All prepayments reduce your interest burden — the entire excess goes toward principal.
A polite SMS on day 3. After 15 days, a 2% penalty accrues on the pending amount. After 60 days, the Secretary personally contacts you to understand the situation — we work out rescheduling, partial payment, or whatever helps you keep your loan healthy. We don't harass, we don't seize, we don't threaten.
Currently, CIBIL is not mandatory. We rely on your EHRMS verification, salary slip, and bank statement. CIBIL integration is on our roadmap for 2026 and when enabled, will be used as one of many inputs — not a blocking factor.
Passwords are stored using industry-standard bcrypt hashing. OTP-based login adds a second factor. Biometric (fingerprint) login is optional on supported devices. All sessions are HTTPS-encrypted. We never store your password in plain text.
Use the "Login with OTP" option on the login page — it sends a one-time password to your registered mobile. You can reset your password from your profile after logging in.
Yes! Our platform is a Progressive Web App (PWA). On Chrome/Android, you'll see an install prompt. On iOS Safari, tap Share → Add to Home Screen. Once installed, it works just like a native app — full-screen, offline-capable, with push notifications.
English and Hindi. You can switch anytime using the globe icon in the header. All forms, notifications, and receipts are available in both languages.
Only you and authorized administrators (Secretary, MD, auditors). We never sell, share, or transfer your personal or financial data to third parties. Read our full Privacy Policy.