Services are offered to registered members subject to KYC, internal credit policy and applicable law. Counter staff verify identity, confirm account status and document every transaction.
Application on the society’s form, introduction as per bye-laws, photograph and KYC documents (PAN, OVD, etc.). The board admits members who meet share-deposit requirements. Membership carries voting rights at general body and access to products within each member’s risk grade.
Savings passbook accounts for routine credits and debits; cheque-book facilities where the scheme allows. Statements and SMS alerts are provided as per tariff approved by the board.
Board-approved tenures and interest payment frequencies; premature withdrawal is governed by circular. Product parameters are on Deposit schemes and at branches.
Senctions follow documented appraisal: purpose, repayment capacity, security and guarantors (if any). Product-wise norms appear on Loan products. Disbursement is contingent on execution of documents and creation of charge where required.
