Six honest financial services designed specifically for our members — with transparent pricing, fair terms, and no fine print.
Open a regular savings account to park your money securely. Earn better interest than most commercial banks, with zero minimum balance requirements and no monthly fees.
Deposit any time via bank transfer, cash at office, or standing instruction from your salary account. Withdraw whenever you need — usually within one working day.
Fixed deposits with tenure from 6 months to 5 years, starting from ₹ 10,000. Get rates up to 8.5% — significantly higher than any commercial bank.
Interest can be credited monthly, quarterly, or at maturity. Senior citizens get an additional 0.5% across all tenures. Premature withdrawal allowed with a small penalty.
Perfect for goal-based saving — your child's education, a family vacation, a new home appliance. Deposit a fixed amount every month for 6 months to 5 years.
Starts from just ₹ 500/month. Auto-debit available from your salary account. Earn up to 8% p.a., compounded quarterly.
Borrow ₹ 5,000 to ₹ 5,00,000 for any legitimate purpose — medical emergencies, children's education, wedding, home repair, debt consolidation, or festival expenses.
Repayment tenure from 3 to 60 months. Interest rates from 10.5% p.a., reducing balance method. Processing fee just 1% — and no hidden charges anywhere.
When a medical emergency or family crisis strikes, you shouldn't have to beg a bank for your own money. If you have an FD or savings with us, you can access up to 80% of the balance as an overdraft — disbursed within hours.
Interest is charged only on the amount utilized, only for the days utilized — not a paisa more.