1. Membership & Scheme Eligibility

All deposit schemes (Saving Deposit, Recurring Deposit, Dhanlaxmi Fixed Deposit) and credit assistance facilities are strictly for society members only as per co-operative society bylaws. Prospective members must fulfill membership enrollment criteria, complete KYC documentation, and abide by the society rules.

2. Dhanlaxmi Fixed Deposit Terms

• Interest Rate: 9.5% p.a. as per applicable scheme disclosure.
• Fixed Tenure: 6 Months tenure starting from deposit date.
• Minimum Deposit: ₹10,000 minimum deposit amount.
• Eligibility: Scheme for registered members only. Terms & Conditions apply.
• Premature withdrawal or scheme modifications are governed by society rules and board approvals.

3. Recurring & Saving Deposit Guidelines

Recurring Deposits require regular monthly contributions for systematic savings. Saving Deposits provide account liquidity for member convenience. Deposit accounts are subject to verification, minimum balance requirements, and applicable society bylaws.

4. Gold Loan Assistance Terms

Gold Loans are granted against gold ornaments pledged by members. Gold ornament purity evaluation, weight verification, maximum loan-to-value ratio, interest rates, pledge custody terms, and repayment tenure are governed by the society's Gold Loan policy and pledge agreements signed at the time of disbursal.

5. Website Disclaimers

The information published on this website is for member guidance and general information. While every effort is made to maintain accuracy, final deposit rates, loan valuations, and scheme disclosures are determined by official society documents and board circulars issued at our head office.