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Sahyog Schemes

Sahyog Gullak Scheme

Who can become a member?

An individual residing in India, above 18 years of age is eligible become a member with Sahyog Credit
Requirements:

  1. Two Latest Photographs
  2. Proof of Residence (Passport, Driving License, Ration Card, Voters Card, Electricity Bill, Aadhar Card etc.)
  3. Photo Identity Proof
  4. Membership Fees of Rs 110/-
Particular Terms
Period 2 Year 3 Year 5 Year
Frequency of transaction Monthly Monthly Monthly
Rate of Interest 8.00% 9.00% 10.00%
Interest payable Monthly Compounding Monthly Compounding Monthly Compounding
Lock-in Period NO PRE MATURITY NO PRE MATURITY AFTER 36 MONTHS
Premature payment NOT ALLOWED NOT ALLOWED 4 % simple interest payable and Paid interest amount will be deducted from principal amount.

Terms & Conditions:

  1. Gullak intial deposit will be Rs. 300 Minimum.
  2. Gullak Charges Rs. 140/- (Rs. 100 for Gullak & Rs. 40/- for Membership) to be deposited.
  3. Premature withdrawal is applicable only after three years.
  4. Irregular Account will be charged @2% Per Month.
  5. Note: The Commencement of Investment will take place on the day of approval of the application from which may take 7-10 Working days.

Sahyog Double Bond

Who can become a member?

An individual residing in India, above 18 years of age is eligible become a member with Sahyog Credit
Requirements:

  1. Two Latest Photographs
  2. Proof of Residence(Passport, Driving License, Ration Card, Voters Card, Electricity Bill, Aadhar Card etc.)
  3. Photo Identity Proof
  4. Membership Fees of Rs 110/-
Particular Terms
Period 5 Year 6 Months
Minimum Depsit Rs. 5000/- and further multiple of Rs. 1000/-
Frequency of transaction One time deposit
Interest payable On maturity 67 th Month
Premature payment NO PRE MATURITY
Maturity / Withdrawal 67 Months

Terms & Conditions:

  1. Minimum amount depositable is Rs. 5000/- and further in multiple of Rs. 1000/- .
  2. Interest is calculated on annually compounding basis.
  3. No Pre-Mature payment facility is available
  4. No interest is Payable after maturity of Deposit.
  5. Loan Against deposit will be available for 50% on compliation of Half Tenure of Deposit Amount.

Sahyog Tripal Bond

Who can become a member?

An individual residing in India, above 18 years of age is eligible become a member with Sahyog Credit
Requirements:

  1. Two Latest Photographs
  2. Proof of Residence(Passport, Driving License, Ration Card, Voters Card, Electricity Bill, Aadhar Card etc.)
  3. Photo Identity Proof
  4. Membership Fees of Rs 110/-
Particular Terms
Period 8 Year 6 Months
Minimum Depsit Rs. 5000/- and further multiple of Rs. 1000/-
Frequency of transaction One time Deposit
Interest payable On maturity 103 rd Month
Premature payment NO PRE MATURITY
Maturity / Withdrawal 103 Month

Terms & Conditions:

  1. Minimum amount depositable is Rs. 5000/- and further in multiple of Rs. 1000/- .
  2. Interest is calculated on annually compounding basis.
  3. Pre-mature payment facility is available subject to Pre Maturity clause.
  4. No interest is payble after maturity of Deposit.
  5. Loan Against deposit will be available for 50% on compliation of Half Tenure of deposit amount.

Sahyog Platinum Bond

Who can become a member?

An individual residing in India, above 18 years of age is eligible become a member with Sahyog Credit
Requirements:

  1. Two Latest Photographs
  2. Proof of Residence(Passport, Driving License, Ration Card, Voters Card, Electricity Bill, Aadhar Card etc.)
  3. Photo Identity Proof
  4. Membership Fees of Rs 110/-
Particular Terms
Period 11 Year 6 Months
Minimum Depsit Rs. 5000/- and further multiple of Rs. 1000/-
Frequency of transaction One time deposit / Multiple loan facility
Interest payable On maturity 139 th Month
Premature payment NO PRE MATURITY
Maturity / Withdrawal 139 Month

Terms & Conditions:

  1. Minimum amount depositable is Rs. 5000/- and further in multiple of Rs. 1000/- .
  2. Interest is calculated on annually compounding basis.
  3. Pre-mature payment facility is available subject to Pre Maturity clause.
  4. No interest is payble after maturity of Deposit.
  5. Loan Against deposit will be available for 50% on compliation of Half Tenure of deposit amount.

Sahyog Monthly Income (MIS)

Who can become a member?

An individual residing in India, above 18 years of age is eligible become a member with Sahyog Credit
Requirements:

  1. Two latest photographs
  2. Proof of Residence(Passport, Driving License, Ration Card, Voters Card, Electricity Bill, Aadhar Card etc.)
  3. Photo Identity Proof
  4. Membership Fees of Rs 110/-
Particular Terms
Period 3 Year 4 year 5 Year 6 Year
Frequency of transaction One Time Deposit One Time Deposit One Time Deposit One Time Deposit
Rate of Interest 10.50% 10.75% 11.00% 11.50%
Installment Payable Monthly Monthly Monthly Monthly
Lock-in Period NO PRE MATURITY 3 Year 3 Year 3 Year
Period Monthly Quaterly Half Yearly Yearly
General Special General Special General Special General Special
3 Years 88 917 263 2750 525 5500 1050 11000
4 Years 90 938 269 2813 538 5625 1075 11250
5 Years 92 958 275 2875 550 5750 1100 11500
6 Years 96 1000 288 3000 575 6000 1150 12000

Terms & Conditions:

  1. MIS would start with Rs. 10000 and with it's multiples.
  2. All Monthly Income Schemes will attract a simple rate of interest.
  3. No Premature withdrawl allowed in MIS.
 

Sahyog Recurring Deposit

Who can become a member?

An individual residing in India, above 18 years of age is eligible become a member with Sahyog Credit
Requirements:

  1. Two latest photographs
  2. Proof of Residence(Passport, Driving License, Ration Card, Voters Card, Electricity Bill, Aadhar Card etc.)
  3. Photo Identity Proof
  4. Membership Fees of Rs 110/-
Particular Terms
Period 2 Year 3 Year 4 Year 5 Year 6 Year
Rate of Interest 10.00% 10.50% 11.00% 11.50% 12.00%
Maturity Amount on Deposit of Rs. 1000 Per Month 26645 42410 60379 81119 105345

Terms & Conditions:

  1. Opening of Recurring account with minimum of Rs. 300 and further in multiple of Rs. 100
  2. Interest calculation monthly compounding.
  3. Defaulters will be charged at the rate of 2% per month per installment with a maximum period of three months. After this the total deposit will be inoperative and no interest will be given to member.
  4. The monthly deposit of installment will attract a grace period of 5 working days, after which the RD will be counted as an irregular account and will attract an extra charge as mentioned above.
  5. The amount of maturity will be paid after one month of the last installment has been paid or the date of payment whichever is later.
  6. The facility of premature payment is not available for irregular accounts. Even if one installment is not paid, the account will be considered as irregular account. On receipt of all the due installments, it will come under the category of a regular account.

Note :

  1. Customer will have to pay minimum 12 installments in a period of 12 months, failure to which he/she shell not be eligible to claim even his/her principle amount.
  2. The commencement of Investment will take place on the day of approval of the application form which may take 7-10 working days.

Premature Terms and Conditions : :

  1. 36Months – No Premature withdrawal is allowed upto 36 months.
  2. 60 Months – Premature withdrawal is allowed only after completion of 36 months where an investor will attract only a simple ROI @ 5% p.a.
  3. 72 Months – Premature withdrawal is allowed only after completion of 36 months where an investor will attract only a simple ROI @ 6% p.a.

Sahyog Fixed Deposit

Who can become a member?

An individual residing in India, above 18 years of age is eligible become a member with Sahyog Credit
Requirements:

  1. Two latest photographs
  2. Proof of Residence (Passport, Driving License, Ration Card, Voters Card, Electricity Bill, Aadhar Card etc.)
  3. Photo Identity Proof
  4. Membership Fees of Rs 110/-
Particular Terms
Period 3 Month 6 Month 9 Month 12 Month 24 Month 36 Month 48 Month 60 Month
Rate of Interest 8.50% 9.50% 10.00% 10.50% 10.75% 11.00% 11.25% 11.50%
Special Rate of Interest 9.00% 10.00% 10.50% 11.00% 11.25% 11.50% 11.75% 12.00%
Prematurity NO PRE MATURITY NO PRE MATURITY NO PRE MATURITY NO PRE MATURITY NO PRE MATURITY NO PRE MATURITY AFTER 3 YEAR AFTER 3 YEAR
Note : Special rate of int is applicable in case of Age 50 Years and above, Ladies, Physically challenged, Members of armed forces, Defense persons, Employee of any co-operative establishments, Local bodies, Trust.

Terms & Conditions:

  1. Minimum Fixed Deposit would start with Rs. 5000 and thereafter in multiple of Rs. 100/-.
  2. All Fixed Deposits will attract a simple rate of interest.

Note:

  1. The commencement of Investment will take place on the day of approval of the application form which may take 7-10 working days.

Sahyog Daily Deposit

Who can become a member?

An individual residing in India, above 18 years of age is eligible become a member with Sahyog Credit
Requirements:

  1. Two latest photographs
  2. Proof of Residence (Passport, Driving License, Ration Card, Voters Card, Electricity Bill, Aadhar Card etc.)
  3. Photo Identity Proof
  4. Membership Fees of Rs 110/-
Particular Terms
Period 2 Year 3 Year
Frequency of transaction Daily Daily
Rate of Interest 8.00% 9.00%
Interest payable Monthly Compounding Monthly Compounding
Lock-in Period NO PRE MATURITY NO PRE MATURITY
Premature payment    

Terms & Conditions:

  1. Intial deposit will be Rs. 50 minimum.
  2. Loan against deposit will be available after one year of 50% total deposit amount

Sahyog Personal Loan

Who can become a member?

An individual residing in India, above 18 years of age is eligible become a member with Sahyog Credit
Requirements:

  1. Two copies of latest photographs
  2. Proof of residence (Passport, Driving License, Ration Card, Voters Card, Electricity Bill, Aadhar Card etc.)
  3. Photo Identity Proof
  4. Membership Fees of Rs 110/-
Particular Terms
Period 2 Year 3 Year 4 Year 5 Year
Minimum Amount 200/- Monthly 200/- Monthly 200/- Monthly 200/- Monthly
Frequency of transaction Monthly Monthly Monthly Monthly
Rate of Interest 10.00% 10.50% 11.00% 11.50%
Interest payable Monthly Compounding Monthly Compounding Monthly Compounding Monthly Compounding
Lock-in Period NO PRE MATURITY NO PRE MATURITY AFTER 36 MONTHS AFTER 36 MONTHS
Premature payment     9 % INTEREST PAYABLE 9 % INTEREST PAYABLE

Terms & Conditions:

  1. Irregular account will charged Rs. 2% monthly FOR IRREGULAR INSTALMENTS.
  2. Pre-mature payment facility is available subject to minimum lock-in period.
  3. The maturity amount will be PAID one month after the date of deposit of last instalment or maturity date w.e. is later.
  4. No interest is payble after maturity of Deposit.
  5. Loan Against deposit will be available for 70% of deposit amount.