A complete, step-by-step guide to everything — membership, accounts, loans, and repayments. No jargon, no surprises.
Membership is the foundation of everything. Once you're a member, all services unlock for you.
You must be a current or retired employee of the Basic Education Department in our jurisdiction. You'll need a valid EHRMS code, a working salary account, and clean records with no prior defaults.
Visit our member portal and fill the membership form. You'll provide your name, father's name, Aadhar, PAN, EHRMS code, designation, department, date of birth, joining & retirement dates, permanent address, and salary details.
Upload clear scans/photos of your Aadhar, PAN, a recent passport-sized photo, and your latest salary slip.
Set a mobile number and password. Verify your mobile with a one-time password (OTP). This becomes your login for all future access.
Our Secretary reviews your documents, verifies EHRMS details with the Basic Education Department, and approves or requests more info. Usually within 1-2 working days. You'll get a notification.
Post-Secretary review, the Managing Director gives the final approval. Once approved, your membership is active, a unique Member ID is issued, and you get full access to all platform features.
Deposit ₹ 1,000 as your one-time share capital. This makes you a shareholder and entitles you to annual dividends and a vote at the AGM.
Application to full membership usually takes 3-5 working days. Urgent cases (medical emergencies) can be fast-tracked — contact the Secretary directly.
Once you're a member, applying for a loan takes just a few minutes. Here's exactly how.
Go to the member portal and log in with your mobile + password, or via fingerprint if you've set it up. You'll land on your personal dashboard showing balances, active loans, and quick actions.
You'll see a dynamic form with all required fields: loan amount, tenure (months), purpose, nominee name, and optional guarantor details. As you fill the amount and tenure, you'll see the EMI calculated live on the right — transparent, no surprises.
Upload your latest 3-month bank statement and your most recent salary slip. Clear scans or photos work fine. Ensure the amount and salary slip are legible.
Your application is automatically routed to the Secretary. They verify documents, check your repayment capacity based on salary, and review any existing loans. If approved, moves to the next stage; if more info needed, you'll get a message.
The Managing Director reviews the file and either approves the full requested amount, a lower sanctioned amount, or rejects with specific reasons. You are notified at every step.
Post-MD approval, the sanctioned amount is transferred to your registered bank account — usually same day or next working day. You'll also see a full EMI schedule with due dates generated automatically.
We keep it simple — but if something goes wrong, we help, not harass.
The most common and easiest method — your EMI is deducted from your salary before it reaches your bank account. Zero hassle, zero late fees, zero worry.
Pay anytime from the member dashboard via UPI, net banking, or card. Payments reflect within minutes and an auto-generated receipt is emailed and stored in your profile.
Walk in to our office during working hours and pay cash or cheque. You get an instant stamped receipt.
We don't harass you with calls. A polite SMS reminder on day 3. After 15 days, a 2% late penalty accrues on the pending amount. After 60 days, the Secretary personally reaches out to understand the situation and work out a plan — rescheduling, partial payment, whatever keeps your loan healthy.