S H Y A M   S A I   R A M

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Welcome!

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

Become A Member
  • customer@shyamsairamsociety.com

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

Our Office

O-110, Kirari Suleman Nagar, Delhi

Get in Touch

+91 9990 44 7414
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Our Membership Plans – Choose the Right Plan for Your Financial Needs

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Membership Plans

Our 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 well-being of its members. The society offers secure savings options, affordable loan facilities, and transparent financial services designed to support personal growth, financial discipline, and long-term financial stability within an ethical co-operative framework.

Society Operations & Financial Management

Discover how Shyam Sai Ram Co-Operative (Urban) Thrift & Credit Society Limited ensures secure savings systems, transparent financial reporting, and efficient management practices to safeguard and strengthen members’ financial interests.

Savings & Deposit Management
  • Members can easily review and verify their savings and deposit balances.
  • All deposits are digitally recorded with accurate ledgers and statements.
  • Periodic balance summaries ensure financial clarity and transparency.

Secure, clear, and member-accessible account visibility.

Annual Reports & Audits
  • Annual financial reports prepared as per co-operative regulations.
  • Regular audits ensure accuracy, accountability, and compliance.
  • Performance updates shared during annual general meetings.

Transparency reinforced through audited records.

Balance Sheet & Financial Reporting
  • Detailed balance sheets covering assets, income, and expenses.
  • Secure digital storage of all financial data.
  • Monthly and quarterly reports available for review.

Financial discipline for sustainable operations.

CD, FD & RD Account Services
  • Current Deposit (CD), Fixed Deposit (FD), and Recurring Deposit (RD) facilities.
  • Interest benefits applied as declared by the society from time to time.
  • Smooth maturity, renewal, and account servicing processes.

Structured deposits with co-operative reliability.

Member Management System
  • Secure digital records maintained for every registered member.
  • Unique member identification for accurate tracking.
  • Timely updates related to savings, loans, and renewals.

Organised, secure, and member-focused systems.

Loan Management & Control
  • Systematic loan processing, disbursement, and repayment tracking.
  • Structured instalment schedules and repayment monitoring.
  • Performance review to support responsible lending.

Responsible lending for long-term stability.

Digital Records & Transparency
  • Digitised records ensure accuracy and data protection.
  • All transactions are properly verified and recorded.
  • Digital receipts and statements for accountability.

Transparency that builds member confidence.

Financial Planning & Advisory
  • Guidance on savings, deposits, and loan planning.
  • Personalised financial assistance for members.
  • Financial awareness programs for informed decisions.

Knowledge-driven financial empowerment.

Technology & Automation
  • Modern software systems for complete society operations.
  • Digital access to member account information.
  • Regular updates for security and performance.

Technology-backed co-operative efficiency.

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Financial Guidance

Helping you make smart choices

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Membership Plan - 1

Basic Membership Plan – Membership Plan-1 | Shyam Sai Ram Co-operative

  • Share Capital (Share Money): ₹5,000
  • Compulsory Deposit: ₹200
  • Building Fund: ₹200
  • Welfare (Kalyan) Fund: ₹200
  • Entrance Fee: ₹100
  • Other Charges: ₹50
  • Total Payable Amount: ₹5,750
  • Ideal For: New members starting their financial journey with Shyam Sai Ram Co-operative (Urban) Thrift & Credit Society Limited.
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Membership Plan - 2

Membership Plan 2 – Smart Entry with Lower Initial Contribution | Shyam Sai Ram Co-operative

  • Share Capital (Share Money): ₹2,500
  • Compulsory Deposit: ₹200
  • Building Fund: ₹200
  • Welfare (Kalyan) Fund: ₹200
  • Entrance Fee: ₹100
  • Other Charges: ₹50
  • Total Payable Amount: ₹3,250
  • Loan Eligibility: Eligible to apply for loan facilities after 9 months of membership, as per society rules.
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Membership Plan - 3

Membership Plan 3 – Low-Cost Entry with Long-Term Benefits | Shyam Sai Ram Co-operative

  • Compulsory Deposit: ₹200
  • Building Fund: ₹200
  • Welfare (Kalyan) Fund: ₹200
  • Entrance Fee: ₹100
  • Other Charges: ₹50
  • Total Payable Amount: ₹750
  • Loan Eligibility: Eligible to apply for loan facilities after 12 months of membership, as per society rules.
Get Membership
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Membership Plan - 4

Membership Plan – Minimal Entry Membership | Shyam Sai Ram Co-operative

  • Account Opening Amount: ₹200
  • Total Payable Amount: ₹200
  • Loan Eligibility: Eligible to apply for loan facilities after 24 months of membership, as per society rules.
Get Membership

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!

Start your journey with Us
Frequently Asked Questions

Find quick answers to common queries.

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.

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Loan Process

A simple, transparent, and member-friendly loan process at Shyam Sai Ram Co-Operative (Urban) Thrift & Credit Society Limited, designed to support responsible borrowing and timely repayment.

1. Loan Categories
  • Emergency Loan: Up to ₹10,000
  • Regular Loan: Starting from ₹25,000 (as per eligibility)
2. Loan Tenure

Flexible repayment tenure ranging from 10 to 50 months, based on the member’s repayment capacity and society norms.

3. Interest Rate
  • 1.50% per month (18% per annum)
  • Interest calculated on the principal amount
4. Instalment Schedule

Monthly instalments must be paid on or before the 15th of each month, as per society repayment guidelines.

5. Late Payment Policy

Payments made after the due date may attract a penal interest of 1.75% per month, as per society rules.

6. Guarantor Requirement

A witness (guarantor) is mandatory for every loan application to ensure accountability and financial discipline.

7. Repayment Method
  • Monthly EMI-based repayment system
  • Payments through authorised society channels
  • Proper receipts issued for every transaction
Smart Savings & Loans

Options to support your goals

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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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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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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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FD & RD Loan

Build secure savings with the FD & RD Schemes from Shyam Sai Ram Co-operative (U) Thrift & Credit Society Ltd. Enjoy attractive returns, flexible deposit option...

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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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