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Jeevan Sanskar 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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At Jeevan Sanskar Co-operative (U) Thrift & Credit Society Ltd., we provide secure and affordable loan facilities to support members’ financial needs. Choose from Emergency Loans up to ₹20,000 or Regular Loans up to ₹1,00,000, with low-interest rates, flexible tenure, and easy monthly repayments. Our transparent and member-focused approach ensures quick approval and trusted financial assistance for every borrower.
The Loan Facilities offered by Jeevan Sanskar Co-operative (U) Thrift & Credit Society Ltd. are designed to provide financial support to members in times of need. Whether it’s an emergency expense or a planned investment, our co-operative ensures quick, transparent, and affordable loan options tailored to meet diverse requirements.
We offer two types of loans — Emergency Loan up to ₹20,000 and Regular Loan up to ₹1,00,000. Both come with a flexible repayment tenure ranging from 10 to 50 months. With a 1.25% monthly interest rate on the principal amount, our loan plans are far more economical compared to private lenders. Payments are due before the 15th of each month, with a penal interest of 1.75% applicable if paid after the 16th.
Loan applications require a witness (guarantor) to ensure accountability and verification. The Loan Approval Authority rests with Mayank Kr. Tiwari and Vijay Kr. Tiwari, who oversees all verification and eligibility checks before approval. Repayment is accepted on a monthly instalment basis, ensuring convenience and transparency for every member.
In case of delayed payments, members may face penalty charges and temporary suspension of further loan eligibility. However, regular and disciplined members enjoy priority approval, transparent schedules, and complete financial clarity.
The co-operative’s Loan Facilities promote financial empowerment through fair interest rates, easy approval processes, and strong community trust. Whether it’s for education, medical emergencies, business expansion, or personal needs, Jeevan Sanskar ensures every member receives the right financial support at the right time.
Emergency Loan – Quick Financial Support for Members
Personal Loan – Flexible Financial Support for Members
Become a member of Jeevan Sanskaar Co-Operative Thrift & Credit Society Ltd and enjoy secure savings, easy loans, and dedicated support. Take the first step toward financial growth and stability today!
Jeevan Sanskar 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.
Jeevan Sanskar 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, Jeevan Sanskar Society accepts both online and offline payments. Members can pay through UPI, bank transfer, or cash deposit at the office.
Jeevan Sanskar Society operates from its head office in Ghaziabad, Uttar Pradesh, and mainly serves members from this and nearby regions.
Yes, Jeevan Sanskar 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 Loan Facilities of Jeevan Sanskar Co-operative (U) Thrift & Credit Society Ltd. are designed to offer members quick financial assistance with fair interest rates and flexible repayment options. Whether it’s an emergency requirement or a personal financial goal, our co-operative ensures reliable support through transparent and member-friendly loan policies.
We provide two main types of loans — Emergency Loan up to ₹20,000 and Regular Loan up to ₹1,00,000. Both options come with flexible repayment tenure between 10 to 50 months. The interest rate is fixed at 1.25% per month (on the principal amount), making it one of the most affordable options for our members. Repayment is due before the 15th of each month, and if paid after the 16th, a penal interest of 1.75% per month is applied.
Every loan requires a witness (guarantor) who confirms the member’s repayment ability. The Loan Approval Authority includes Mr Mayank Kr. Tiwari and Mr Vijay Kr. Tiwari, responsible for verifying member eligibility, reviewing documents, and granting final approval. Repayment is done through monthly instalments (EMI), either directly at the society office or through approved payment methods.
In case of late payments, a 1.75% monthly penalty applies on the principal amount. Continuous delays can lead to the temporary suspension of future loan eligibility. However, members who maintain regular payments enjoy smooth processing, better credibility, and faster approval for future loans.
Jeevan Sanskar Co-operative ensures that all loans are disbursed and managed with full transparency, ethical practices, and member trust. Whether it’s for education, medical needs, business expansion, or personal development, our co-operative provides a safe and supportive financial environment.
The Loan Facilities offered by Jeevan Sanskar Co-operative (U) Thrift & Credit Society Ltd. are the most reliable choice for members seeking affordable financial assistance and transparent repayment structures. With easy eligibility criteria and low interest rates, these loans are tailored for your comfort and convenience.
Members can choose between Emergency Loans for urgent needs and Regular Loans for long-term financial requirements. All processes are clear, structured, and guided by experienced loan authorities.
Key Reasons to Choose Jeevan Sanskar Loans:
Choose Jeevan Sanskar Co-operative’s Loan Facilities and experience low-interest lending with ethical policies, transparent management, and dedicated member support. Whether it’s an emergency or a dream project, we’re here to help you achieve it responsibly and affordably.
Jeevan Sanskar Co-operative (U) Thrift & Credit Society Ltd. empowers members with secure savings, low-interest loans, and transparent financial management. Joi...
Experience guaranteed growth with Jeevan Sanskar Co-operative’s Fixed Deposit Plans. Enjoy secure investments, assured returns, and flexible tenures tailored ...
Membership Plan-1 of Jeevan Sanskar Co-operative offers new members a structured start with a total contribution of ₹1500. Includes Membership Fees ₹100, Sh...
Discover trusted and secure deposit options with Jeevan Sanskar Co-operative (U) Thrift & Credit Society Ltd.. Our Fixed Deposit and Recurring Deposit plans hel...
Jeevan Sanskar Co-operative offers Recurring Deposit plans that help you save regularly with guaranteed returns. Enjoy flexible monthly deposits, attractive int...
The Standard Membership Plan (Membership Plan-2) at Jeevan Sanskar Co-operative offers a total contribution of ₹1700, providing balanced savings, access to sm...
The Silver Membership Plan of Jeevan Sanskar Co-operative offers a total contribution of ₹2200, providing structured savings, higher loan eligibility, and ben...
The Gold Membership Plan offers a total contribution of ₹3200, providing members with long-term savings, enhanced loan eligibility, and participation in socie...
The Platinum Membership Plan of Jeevan Sanskar Co-operative Society offers a total contribution of ₹3200. Ideal for members with strong saving capacity, it pr...
The Junior Membership Plan of Jeevan Sanskar Co-operative lets children start saving early with a total contribution of ₹1200, promoting financial habits and ...
Enjoy trusted savings plans FD, RD and affordable loans