Education Loan | Affordable Finance for Academic Growth

S H Y A M S A I R A M

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Shyam Sai Ram Co-Operative (U) Thrift and Credit Society Limited is a registered urban co-operative society operating under the Uttar Pradesh Co-operative Societies Act, 1965 (U.P. Act No. 11 of 1966).,

Information

Address: O-110, Pili Kothi Wali Gali, 40-Feet Road, Prem Nagar-2, Kirari Suleman Nagar, New Delhi 110086
Call Us: +91 9990 44 7414
Email: customer@shyamsairamsociety.com

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Our Office

O-110, Kirari Suleman Nagar, Delhi

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+91 9990 44 7414

Education Loan

Affordable Interest, Flexible Repayment, and Transparent Process

Shyam Sai Ram Co-operative (Urban) Thrift & Credit Society Limited offers Education Loan facilities with affordable interest rates, flexible repayment tenure, and easy monthly instalments. Designed to support academic and skill-development needs, this loan follows a verified and transparent process to help members manage education-related expenses with confidence.

Key Benefits of Our Education Loan

Education-Focused Financial Support – Loan facility designed specifically to support educational and skill-development expenses of members.
Low Interest Rate – Education Loan is offered at a concessional interest rate of 0.75% per month (9% per annum), calculated only on the principal amount, as per society rules.
Flexible Repayment Tenure – The repayment period is provided as per society norms, based on the member’s repayment capacity.
Secure & Verified Process – Every Education Loan application requires a witness (guarantor) to ensure financial responsibility and trust.
Transparent Approval System – All loans are approved strictly as per society rules and internal verification procedures, ensuring complete transparency.

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Comprehensive Overview of Education Loan – Flexible Financial Support for Members

The Education Loan offered by Shyam Sai Ram Co-operative (Urban) Thrift & Credit Society Ltd. is designed to provide financial assistance to members for education and skill-development related needs. This loan facility supports academic goals by offering member-friendly terms and a transparent co-operative process.

Members can apply for an Education Loan of up to ₹1,00,000 with a repayment tenure provided as per society norms and the member’s repayment capacity. The loan is offered at a concessional interest rate of 0.75% per month (9% per annum), calculated on the principal amount, as per society rules.

Monthly instalments are payable as per the schedule defined by the society. Members are advised to make timely repayments to maintain a good repayment record and eligibility for future loan facilities.

To ensure accountability and financial discipline, a witness (guarantor) is mandatory for every Education Loan application. All loan requests are processed through a structured, transparent, and internal approval system, in accordance with co-operative guidelines.

Repayment is carried out through monthly instalments (EMIs), either at the society office or through authorised payment modes. Proper receipts and accurate account records are maintained for every transaction.

The Education Loan Facility is ideal for members seeking reliable financial support for academic and skill development with clear terms and ethical co-operative practices. Through this facility, Shyam Sai Ram Co-operative ensures members receive transparent, dependable, and education-focused financial assistance.

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Financial Guidance

Helping you make smart choices

Emergency Loan

Emergency Loan – Quick Financial Support for Members

Key Benefits of Our Emergency Loan

Immediate Financial Support – Designed to assist members during urgent financial situations such as medical or family emergencies.
Defined Interest Rate – Emergency Loan is offered at an interest rate of 1.50% per month (18% per annum), calculated on the principal amount, as per society rules.
Affordable Loan Amount – Members can avail Emergency Loan up to ₹10,000 for urgent financial requirements.
Secure & Verified Process – Mandatory witness (guarantor) ensures financial responsibility and trust.
EMI-Based Repayment – Repayment through structured monthly instalments with proper receipts and accurate account records
Trusted Co-operative Support – Reliable emergency financial assistance from Shyam Sai Ram Co-operative (Urban) Thrift & Credit Society Ltd..

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Regular Loan

Regular Loan – Flexible Financial Support for Members

Key Benefits of Our Regular Loan

Flexible Financial Support – Regular Loan facility designed to support members’ personal, household, medical, and other ongoing financial needs.
Defined Interest Rate – Regular Loan is offered at a fixed interest rate of 1.50% per month (18% per annum), calculated on the principal amount, as per society rules.
Loan Amount Starting from ₹25,000 – Members can avail Regular Loans starting from ₹25,000, subject to eligibility and society norms.
EMI-Based Repayment – Repayment is carried out through monthly instalments (EMIs), with proper receipts and accurate account records.
Trusted Co-operative Support – Dependable financial assistance from Shyam Sai Ram Co-operative (Urban) Thrift & Credit Society Ltd., supporting members’ financial stability and long-term goals.

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FD & RD Loan

FD & RD Schemes – Secure Savings & Financial Growth for Members

Key Benefits of Our FD & RD Deposit Schemes

Secure Savings Options – Fixed Deposit (FD) and Recurring Deposit (RD) schemes designed to help members save safely and systematically.
Attractive Returns – Competitive interest rates offered as per society rules, ensuring steady and reliable growth on your deposits.
Flexible Tenure Options – Members can choose deposit periods that suit their financial goals and savings capacity.
Safe & Transparent Process – All deposits are maintained with proper documentation, clear terms, and transparent record-keeping.
Loan Facility Against Deposits – Members may avail loan facilities against FD or RD, subject to society rules and eligibility conditions.

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Gold Loan

Gold Loan – Secure Loan Against Gold | Shyam Sai Ram Co-operative

Key Benefits of Our Gold Loan

Secure Loan Against Gold – Financial assistance provided against pledged gold ornaments, allowing members to retain ownership of their valuable assets.
Defined Interest Rate – Gold Loan is offered at a fixed interest rate of 1.33% per month (16% per annum), calculated on the principal amount, as per society rules.
Safe & Verified Process – Gold valuation, documentation, and custody are carried out through a secure and verified process.
EMI-Based Repayment – Repayment through structured monthly instalments (EMIs) with proper receipts and accurate record maintenance.
Transparent Approval System – Loan approval follows clearly defined society rules with proper documentation and verification.

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Empower Your Finances

Become a member of Shyam Sai Ram Co-Operative (U) Thrift & Credit Society Ltd and enjoy secure savings, easy loans, and dedicated support. Take the first step toward financial growth and stability today!

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Frequently Asked Questions

Find quick answers to common queries.

Comprehensive Overview of Education Loan – Flexible Support for Your Needs

The Education Loan offered by Shyam Sai Ram Co-operative (Urban) Thrift & Credit Society Ltd. is designed to support members who require financial assistance for education and skill-development purposes. This facility provides a reliable and transparent way to meet academic expenses without unnecessary financial stress.

Members can apply for an Education Loan of up to ₹1,00,000 with a flexible repayment tenure provided as per society norms and the member’s repayment capacity. The loan is offered at a concessional interest rate of 0.75% per month (9% per annum), calculated on the principal amount, as per society rules.

Monthly instalments must be paid as per the repayment schedule defined by the society. Members are advised to make timely repayments to maintain a good repayment record and continued eligibility for future loan facilities.

To maintain accountability and financial discipline, a witness (guarantor) is mandatory during the Education Loan application process. All applications are processed through a structured and transparent internal approval system, in accordance with co-operative guidelines.

Repayments are made through monthly instalments (EMIs), either at the society office or through authorised payment modes. Proper receipts and accurate records are maintained for every transaction.

This Education Loan facility is ideal for members seeking financial support for academic growth and skill development with clear terms, ethical practices, and complete transparency. Through this facility, Shyam Sai Ram Co-operative helps members invest confidently in their education and future.