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

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  • customer@shyamsairamsociety.com +91 9990 44 7414

Mon to Sat: 9:00am - 6:00pm

Our Office

O-110, Kirari Suleman Nagar, Delhi

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+91 9990 44 7414
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FD & RD Schemes – Secure Savings & Financial Growth for Members

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FD & RD Loan

Affordable, Flexible, and Transparent Deposit Schemes

Build secure savings with the FD & RD Schemes from Shyam Sai Ram Co-operative (U) Thrift & Credit Society Ltd. Enjoy attractive returns, flexible deposit options, transparent terms, and a trusted co-operative process designed to support long-term financial growth for members.

Comprehensive Overview of FD & RD Schemes – Secure Savings for Members

The Fixed Deposit (FD) and Recurring Deposit (RD) schemes offered by Shyam Sai Ram Co-operative (Urban) Thrift & Credit Society Ltd. are designed to help members build secure and disciplined savings. These schemes provide a safe and reliable way to grow funds over time while supporting short-term and long-term financial goals.

Under the FD Scheme, members can invest a lump-sum amount for a fixed tenure and earn assured returns as per society rules. The RD Scheme allows members to deposit a fixed amount regularly, making it ideal for systematic savings with steady growth. Both schemes are structured to suit different income levels and saving capacities.

FD and RD deposits are maintained with clear terms, transparent interest structure, and proper documentation. All accounts are handled through a secure and verified process in accordance with co-operative society guidelines. Members receive proper receipts and accurate account records for every deposit.

These deposit schemes also provide financial flexibility, as members may be eligible to avail loan facilities against FD or RD deposits, subject to society rules and eligibility conditions. This ensures liquidity without disturbing long-term savings.

The FD & RD Schemes are ideal for members seeking safe investment options, disciplined savings habits, and reliable returns. With ethical co-operative practices and transparent operations, Shyam Sai Ram Co-operative ensures members achieve financial stability, security, and peace of mind.

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Financial Guidance

Helping you make smart choices

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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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Education Loan

Education Loan – Flexible Financial Support for Members

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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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.

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Comprehensive Overview of Emergency Loan – Quick Financial Assistance for Members

The Emergency Loan offered by Shyam Sai Ram Co-operative (Urban) Thrift & Credit Society Ltd. is specially designed to support members during unforeseen financial challenges. Whether it is a medical emergency, an unexpected expense, or an urgent personal need, this loan provides quick financial relief with minimal documentation and a simple, member-friendly approval process.

Members can avail an Emergency Loan of up to ₹10,000 with a flexible repayment tenure ranging from 10 to 50 months. The loan carries an affordable interest rate of 1.25% per month (on principal). Monthly instalments must be deposited before the 15th of each month. Payments made after the 16th may attract a penal interest of 1.75% per month.

To ensure accountability and financial discipline, a witness (guarantor) is mandatory for every Emergency Loan application. All loan requests are processed through a structured and transparent approval system based on society rules, eligibility criteria, and repayment capacity.

Repayment is carried out on a monthly instalment (EMI) basis, either directly at the society office or through authorised payment channels. Proper receipts are issued for every transaction, ensuring complete transparency. Delayed repayments may result in penalty charges and may temporarily affect eligibility for future loan facilities.

The Emergency Loan is ideal for members seeking immediate financial support without lengthy formalities or high interest rates. Through this facility, Shyam Sai Ram Co-operative Society ensures that members can manage emergencies with confidence, stability, and peace of mind.

Why Choose Emergency Loan from Shyam Sai Ram Co-operative?

The Emergency Loan is designed for members who require instant access to funds during urgent situations. It is built on the core principles of trust, transparency, and member welfare, ensuring timely financial support when it is needed most.

Key reasons to choose the Emergency Loan:

  • Quick Disbursal: Prompt release of funds to meet urgent financial needs.
  • Affordable Interest: Low interest of 1.25% per month for easy repayment.
  • Flexible Tenure: Repayment period ranging from 10 to 50 months.
  • Mandatory Witness: Promotes financial responsibility and trust.
  • Transparent Process: Clear terms, proper documentation, and ethical practices.
  • Low Penal Charges: Reasonable penalty structure for delayed payments.
  • Reliable Support: Member-focused loan approval and management system.

Choosing the Emergency Loan from Shyam Sai Ram Co-operative (Urban) Thrift & Credit Society Ltd. means partnering with a trusted co-operative institution that prioritises member welfare. Experience fast approval, fair interest rates, and hassle-free repayment for complete peace of mind during emergencies.

Smart Savings & Loans

Options to support your goals

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Membership Plans

Shyam Sai Ram Co-Operative (Urban) Thrift & Credit Society Limited is a registered and trusted co-operative society dedicated to strengthening the financial wel...

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Fixed Deposit

Grow your savings securely with Fixed Deposit (FD) Plans from Shyam Sai Ram Co-Operative (Urban) Thrift & Credit Society Limited, offering transparent managemen...

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Emergency Loan

Get instant financial assistance with the Emergency Loan from Shyam Sai Ram Co-operative (U) Thrift & Credit Society Ltd. Avail loans up to ₹10,000 at an affo...

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Membership Plan - 1

Join Membership Plan 1 at Shyam Sai Ram Co-operative (Urban) Thrift & Credit Society Limited and begin your financial journey with a structured and transparent ...

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Deposits

Explore Fixed Deposit (FD) and Recurring Deposit (RD) plans at Shyam Sai Ram Co-Operative (Urban) Thrift & Credit Society Limited. Benefit from secure savings, ...

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Recurring Deposit

Shyam Sai Ram Co-Operative (Urban) Thrift & Credit Society Limited offers Recurring Deposit (RD) plans that help members save regularly through disciplined mont...

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Regular Loan

Shyam Sai Ram Co-operative (Urban) Thrift & Credit Society Limited offers Regular Loan facilities with affordable interest rates, flexible repayment tenure, and...

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Membership Plan - 2

Join Membership Plan 2 at Shyam Sai Ram Co-operative (Urban) Thrift & Credit Society Limited with a reduced initial contribution of ₹3,250. This plan is ideal...

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Loans

At Shyam Sai Ram Co-Operative (Urban) Thrift & Credit Society Limited, we offer member-focused loan facilities to support genuine financial needs. Members can a...

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Membership Plan - 3

Join Membership Plan 3 at Shyam Sai Ram Co-operative (Urban) Thrift & Credit Society Limited with a minimal total contribution of ₹750. This plan is ideal for...

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Membership Plan - 4

Join Membership Plan 4 at Shyam Sai Ram Co-operative (Urban) Thrift & Credit Society Limited with a minimal contribution of ₹200. This plan is ideal for indiv...

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Education Loan

Shyam Sai Ram Co-operative (Urban) Thrift & Credit Society Limited offers Education Loan facilities with affordable interest rates, flexible repayment tenure, a...

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Gold Loan

Shyam Sai Ram Co-operative (Urban) Thrift & Credit Society Limited offers Gold Loan facilities against gold ornaments at an interest rate of 1.33% per month. Wi...

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