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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).,
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At Shyam Sai Ram Co-Operative (Urban) Thrift & Credit Society Limited, we offer member-focused loan facilities to support genuine financial needs. Members can avail Emergency Loans for urgent requirements and Regular Loans for planned expenses, subject to society rules and eligibility norms. Our loans feature defined interest rates, flexible repayment tenures, and a transparent EMI-based repayment system, ensuring responsible, affordable, and ethical financial support.
The Loan Facilities offered by Shyam Sai Ram Co-Operative (Urban) Thrift & Credit Society Limited are designed to provide reliable and responsible financial support to members as per society rules. Whether the requirement is an urgent financial need or a planned expense, the society follows a transparent and member-oriented approach.
The society provides two primary loan options — Emergency Loans of up to ₹10,000 and Regular Loans starting from ₹25,000, subject to eligibility criteria and approval norms. Loan repayment tenure generally ranges from 10 to 50 months, based on the member’s repayment capacity.
Loans are offered at a defined interest rate of 1.50% per month (18% per annum), calculated on the principal amount as per society policy. Monthly instalments must be paid on or before the 15th of each month. Payments made after the due date may attract a penal interest of 1.75% per month, in accordance with society rules.
Every loan application requires a witness (guarantor) to ensure accountability and proper verification. All applications are reviewed through a structured and transparent approval process, including document verification and eligibility assessment by the authorised loan committee.
Loan repayment is carried out through monthly instalments (EMIs), either at the society office or through approved payment channels. Delayed repayments may result in penalty charges and can temporarily affect eligibility for future loan facilities. Members who maintain timely repayments benefit from smooth processing and improved access to future loans.
The society’s Loan Facilities aim to promote financial discipline and member empowerment through clear terms, ethical co-operative practices, and transparent management. Whether the need relates to medical emergencies, education, household expenses, or other genuine financial requirements, Shyam Sai Ram Co-Operative (Urban) Thrift & Credit Society Limited remains committed to providing timely and responsible financial assistance.
Emergency Loan – Quick Financial Support for Members
Regular Loan – Flexible Financial Support for Members
FD & RD Schemes – Secure Savings & Financial Growth for Members
Education Loan – Flexible Financial Support for Members
Gold Loan – Secure Loan Against Gold | Shyam Sai Ram Co-operative
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!
Shyam Sai Ram Co-operative (U) Thrift & Credit Society is a registered urban co-operative that provides savings, deposit, and loan services to its members. It helps people save securely and get easy financial support when needed.
Shyam Sai Ram Society offers Fixed Deposit (FD), Recurring Deposit (RD), and Daily Deposit Plans. Each plan has different interest rates and maturity periods based on the investment amount and tenure.
The interest rate depends on the type and duration of the plan. On average, members can earn between 10% to 12% per annum. Please check the “Plans” section for the latest interest rates.
To apply for a loan, you must be an active member of the society. You should have a regular saving record and valid ID proof. The loan process is simple — just fill out the loan application form and submit required documents.
Yes, Shyam Sai Ram Society accepts both online and offline payments. Members can pay through UPI, bank transfer, or cash deposit at the office.
Shyam Sai Ram Society operates from its head office in Kirari Suleman Nagar, Delhi and mainly serves members from this and nearby regions.
Yes, Shyam Sai Ram Co-operative Society is a registered co-operative society that operates under government regulations. Registration and license details are mentioned on the “About Us” page.
Any Indian citizen above 18 years of age with valid ID proof and address proof can become a member of the society by completing the membership process.
Yes, registered co-operative societies follow government rules and regulations. They are managed by elected boards and audited regularly to ensure transparency and member safety.
Unlike banks, co-operative societies work only for their members. The main goal is to help members save and borrow easily — not to make profits from customers.
The Loan Facilities offered by Shyam Sai Ram Co-Operative (Urban) Thrift & Credit Society Limited are designed to provide timely, reliable, and responsible financial assistance to members. Whether the need is an urgent emergency or a planned personal requirement, the society follows a transparent, member-friendly, and ethical co-operative approach.
The society offers two primary loan options — Emergency Loans of up to ₹10,000 for urgent needs and Regular Loans starting from ₹25,000, subject to eligibility criteria and society norms. Loan repayment tenure generally ranges from 10 to 50 months, based on the member’s repayment capacity.
Loans are offered at a defined interest rate of 1.50% per month (18% per annum), calculated on the principal amount as per society rules. Monthly instalments must be paid on or before the 15th of each month. Payments made after the due date may attract a penal interest of 1.75% per month, in accordance with society policy.
To ensure accountability and financial discipline, every loan application requires a witness (guarantor). All loan requests are processed through a structured and transparent approval system, which includes eligibility verification and document review by the authorised loan committee.
Loan repayment is carried out through monthly instalments (EMIs), either at the society office or through approved payment channels. Delayed repayments may result in penalty charges and may temporarily affect eligibility for future loan facilities. Members maintaining regular repayments benefit from smooth processing and improved access to future loans.
Shyam Sai Ram Co-Operative (Urban) Thrift & Credit Society Limited manages all loan services with complete transparency, ethical co-operative practices, and a strong focus on member trust. Whether the requirement relates to medical emergencies, education, household expenses, or other genuine financial needs, the society remains committed to responsible and affordable financial support.
The Loan Facilities of Shyam Sai Ram Co-Operative (Urban) Thrift & Credit Society Limited are ideal for members seeking affordable loans with clear repayment terms and ethical financial management. All loan processes are simple, transparent, and designed for member convenience.
Members can opt for Emergency Loans for urgent situations or Regular Loans for planned financial requirements. Every application follows clearly defined rules and is reviewed as per society guidelines.
Key Reasons to Choose Our Loan Facilities:
Choose Shyam Sai Ram Co-Operative’s Loan Facilities for secure, transparent, and member-focused financial support. With fair interest rates, disciplined repayment structures, and ethical co-operative values, the society ensures financial stability and confidence for its members.
Shyam Sai Ram Co-Operative (Urban) Thrift & Credit Society Limited is a registered and trusted co-operative society dedicated to strengthening the financial wel...
Grow your savings securely with Fixed Deposit (FD) Plans from Shyam Sai Ram Co-Operative (Urban) Thrift & Credit Society Limited, offering transparent managemen...
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 ...
Explore Fixed Deposit (FD) and Recurring Deposit (RD) plans at Shyam Sai Ram Co-Operative (Urban) Thrift & Credit Society Limited. Benefit from secure savings, ...
Shyam Sai Ram Co-Operative (Urban) Thrift & Credit Society Limited offers Recurring Deposit (RD) plans that help members save regularly through disciplined mont...
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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Enjoy trusted savings plans FD, RD and affordable loans