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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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Shyam Sai Ram Co-operative (Urban) Thrift & Credit Society Limited offers Regular Loan facilities with affordable interest rates, flexible repayment tenure, and easy monthly instalments. With a quick approval process, verified documentation, and transparent terms, members can conveniently meet personal, educational, or household financial needs.
The Regular Loan offered by Shyam Sai Ram Co-operative (Urban) Thrift & Credit Society Ltd. is designed to provide dependable financial assistance to members for their regular personal and household financial requirements. This loan facility operates through a transparent, ethical, and member-focused co-operative process.
Members can avail a Regular Loan starting from ₹25,000, subject to society rules and eligibility norms. The loan is offered at a defined interest rate of 1.50% per month (18% per annum), calculated on the principal amount, as approved under the society’s loan structure.
Repayment is carried out through monthly instalments (EMIs), as per the repayment schedule decided by the society. Members are encouraged to make timely repayments to maintain a healthy repayment record and continued eligibility for future loan facilities.
To ensure accountability and financial discipline, a witness (guarantor) is mandatory for every Regular Loan application. All loan requests are processed through a structured, transparent, and rule-based approval system, strictly in accordance with society rules and co-operative guidelines.
The Regular Loan is ideal for members seeking stable and reliable financial support with clear terms, ethical co-operative practices, and a transparent repayment process. Through this facility, Shyam Sai Ram Co-operative Society ensures dependable financial assistance to support members’ ongoing financial needs.
Emergency Loan – Quick 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 Regular Loan offered by Shyam Sai Ram Co-operative (Urban) Thrift & Credit Society Ltd. is designed to support members who require reliable financial assistance for their regular personal and household financial needs. This facility offers a transparent, ethical, and member-focused co-operative approach to borrowing.
Members can avail a Regular Loan starting from ₹25,000, subject to society rules and eligibility criteria. The loan is offered at a defined interest rate of 1.50% per month (18% per annum), calculated on the principal amount, as per the society’s approved loan structure.
Repayment is carried out through monthly instalments (EMIs), as per the repayment schedule decided by the society. Members are encouraged 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 Regular Loan application process. All applications are processed through a structured, transparent, and rule-based approval system, strictly in accordance with co-operative society rules.
This Regular Loan facility is suitable for members seeking stable and dependable financial support with clear terms, ethical co-operative practices, and a transparent repayment process. Through this facility, Shyam Sai Ram Co-operative Society ensures dependable financial assistance to support members’ ongoing financial requirements.
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...
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...
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...
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...
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...
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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Shyam Sai Ram Co-operative (Urban) Thrift & Credit Society Limited offers Education Loan facilities with affordable interest rates, flexible repayment tenure, a...
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...
Enjoy trusted savings plans FD, RD and affordable loans