J E E V A N

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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).,

Information

Become A Member
  • jeevansanskarsociety@gmail.com

Mon to Sat: 9:00am - 6:00pm

Our Office

57A, Sangam Vihar, Ghaziabad

Get in Touch

+91 8810 28 3205
Member Login
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Our Membership Plans – Choose What Fits You Best

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Membership Plans

Our Membership Plans

Jeevan Sanskar Co-operative (U) Thrift & Credit Society Ltd. empowers members with secure savings, low-interest loans, and transparent financial management. Join today to grow your wealth, enjoy community support, and benefit from ethical co-operative practices.

Society Operations & Financial Management

Explore how Jeevan Sanskar Co-operative (U) Thrift & Credit Society Ltd. ensures secure savings, transparent reporting, and efficient financial management for all members.

Saving & Deposit Balance
  • Members can view and update their current savings and deposit balances anytime.
  • All deposits are tracked digitally with proper ledgers and statements.
  • Monthly balance summary shared for complete transparency.

Real-time account visibility keeps every member informed and confident.

Annual Report & Audit
  • Annual financial reports prepared as per co-operative audit standards.
  • Independent auditing ensures accuracy and accountability.
  • Yearly performance shared with all members during the AGM.

Transparent and verified financial data enhances member trust.

Balance Sheet & Reports
  • Comprehensive balance sheets showing income, expenditure, and assets.
  • All records are maintained digitally for quick access.
  • Monthly and quarterly reports available for members on request.

Structured financial reports maintain long-term stability and trust.

CD, FD & RD Accounts
  • Multiple account types like CD (Current Deposit), FD (Fixed Deposit), and RD (Recurring Deposit).
  • Attractive interest rates with flexible maturity options.
  • Members can renew or close deposits easily through the office.

Earn steady returns while keeping your funds secure and accessible.

Member Management System
  • Every member’s data is maintained in a secure digital database.
  • Unique ID and membership tracking for each individual.
  • Automated updates on deposits, loans, and renewals.

An efficient member handling system ensures smooth operations.

Loan Management System
  • Automated tracking for loan disbursement and repayment.
  • Notifications for instalment due dates and balances.
  • Performance analytics for loan portfolio and member history.

A smart loan tracking system ensures timely payments and efficiency.

Digital Record & Transparency
  • All society data is managed through secure cloud systems.
  • Every transaction is recorded with member verification.
  • Digital receipts and statements ensure accountability.

Digitisation enhances efficiency and builds long-term trust.

Financial Planning & Advisory
  • Guidance on saving, investment, and loan utilisation.
  • Personalised support for financial decisions.
  • Workshops and awareness programs for members.

Empowering members to make informed and smart financial choices.

Technology & Automation
  • Fully integrated software system for all society operations.
  • Mobile access for checking balance, loans, and deposits.
  • Regular updates ensure efficiency and smooth performance.

Advanced technology simplifies every financial activity for members.

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Financial Guidance

Helping you make smart choices

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Membership Plan-1

Basic Membership Plan – Membership Plan-1 | Jeevan Sanskar Co-operative

  • Membership Fees: ₹100
  • Share Money: ₹500
  • Compulsory Deposit (CD): ₹300
  • Co-operative Kalyan Fund: ₹200
  • Co-operative Education/Building Fund: ₹200
  • Miscellaneous: ₹200
  • Total: ₹1,500
  • Best For: New Members starting savings journey.
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Membership Plan - 2

Standard Membership Plan – Membership Plan-2

  • Membership Fees: ₹100
  • Share Money: ₹500
  • Compulsory Deposit (CD): ₹500
  • Co-operative Kalyan Fund: ₹200
  • Co-operative Education/Building Fund: ₹200
  • Miscellaneous: ₹200
  • Total: ₹1,700
  • Best For: Balanced savings & loan eligibility.
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Membership Plan - 3

Silver Membership Plan – Secure Your Financial Growth

  • Membership Fees: ₹100
  • Share Money: ₹500
  • Compulsory Deposit (CD): ₹1,000
  • Co-operative Kalyan Fund: ₹200
  • Co-operative Education/Building Fund: ₹200
  • Miscellaneous: ₹200
  • Total: ₹2,200
  • Best For: Members with medium savings goals.
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Membership Plan - 4

Gold Membership Plan – Secure Your Long-Term Financial Growth

  • Membership Fees: ₹100
  • Share Money: ₹500
  • Compulsory Deposit (CD): ₹2,000
  • Co-operative Kalyan Fund: ₹200
  • Co-operative Education/Building Fund: ₹200
  • Miscellaneous: ₹200
  • Total: ₹3,200
  • Best For: Long-term savings & financial stability.
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Membership Plan-5

Platinum Membership Plan – Membership Plan-5

  • Membership Fees: ₹100
  • Share Money: ₹500
  • Compulsory Deposit (CD): ₹3,000
  • Co-operative Kalyan Fund: ₹200
  • Co-operative Education/Building Fund: ₹200
  • Miscellaneous: ₹200
  • Total: ₹4,200
  • Best For: High saving members seeking premium benefits.
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Junior Membership

Junior Membership Plan – Building Financial Habits Early

  • Membership Fees: ₹100
  • Share Money: ₹200
  • Compulsory Deposit (CD): ₹300
  • Co-operative Kalyan Fund: ₹200
  • Co-operative Education/Building Fund: ₹200
  • Miscellaneous: ₹200
  • Total: ₹1,200
  • Best For: Minors (Below 18 years) to build early financial discipline.
Get Membership

Empower Your Finances

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!

Start your journey with Us
Frequently Asked Questions

Find quick answers to common queries.

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.

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Why Choose Us

Discover why thousands trust Jeevan Sanskar Co-operative (U) Thrift & Credit Society Ltd. for their secure financial growth.

Trusted Financial Platform

We are a government-registered cooperative society, ensuring that your money is managed with complete transparency, trust, and accountability.

Member-Centric Approach

Every member is part of our family. We focus on your financial growth through savings, loans, and cooperative benefits designed for all.

Safe & Secure Investments

Your deposits are protected under our cooperative structure and reinvested for member welfare and community upliftment.

Low Interest Loans

Get access to low-interest loans quickly and easily — no hidden charges, only transparent cooperative processes.

Guaranteed Growth

Regular savings, dividends, and bonuses ensure your money keeps growing with us over time.

Social & Cooperative Welfare

We contribute to community welfare, education, and cooperative growth — building a stronger society together.

Benefits of Joining Our Society

Experience financial stability, transparency, and cooperative growth with Jeevan Sanskar Co-operative Society.

Secure Savings Options

Start saving with flexible plans and earn attractive returns while keeping your funds completely safe.

Easy Loan Accessibility

Members enjoy hassle-free loan approvals with minimal documentation and fast processing times.

Flexible Repayment System

Repay your loans in easy EMIs designed to suit your financial capability and comfort.

Financial Education Support

Gain awareness about cooperative savings, smart investments, and financial management through our education fund.

Community Support

Join a network of caring members who believe in helping each other grow financially and socially.

Exclusive Member Rewards

Get access to special rewards, bonuses, and benefits as a loyal member of the society.

Loan Process

Jeevan Sanskar Co-operative (U) Thrift and Credit Society Ltd.

1. Loan Types

The society offers two types of loans:

  • Emergency Loan: up to ₹20,000
    Short-term loan for urgent needs such as medical or family emergencies.
  • Regular Loan: up to ₹1,00,000
    For general financial needs like education, business, or home improvement.
2. Loan Tenure

Loan tenure ranges from 10 to 50 months, depending on the member’s repayment capacity.

3. Interest Rate
  • 1.25% per month (on principal amount)
  • Instalments must be deposited by the 15th of every month.
4. Late Payment / Penalty

If the payment is made after the 16th, a 1.75% per month penalty interest is applied on the principal amount.

5. Witness Requirement

A witness (guarantor) is mandatory for every loan to verify the member’s repayment responsibility.

6. Loan Approval Authority

Loan approvals are authorised by:

  • Mayank Kr. Tiwari
  • Vijay Kr. Tiwari

They verify eligibility, documents, and provide final approval.

7. Repayment Process
  • Repayment is done on a monthly EMI basis.
  • Payments can be made directly at the society office or via authorised channels.
  • Proper receipts and account records are maintained for every payment.
8. Default & Penalty Rule
  • If a member repeatedly delays payments, a 1.75% monthly penalty is charged.
  • Loan eligibility may be temporarily suspended for repeated defaults.
9. Benefits to Members
  • Low interest rates compared to private lenders
  • Quick and easy loan approval for regular members
  • Transparent and fair repayment schedule
  • No hidden charges or extra fees
Smart Savings & Loans

Options to support your goals

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Fixed Deposit

Experience guaranteed growth with Jeevan Sanskar Co-operative’s Fixed Deposit Plans. Enjoy secure investments, assured returns, and flexible tenures tailored ...

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Emergency Loan

Access quick financial support with the Emergency Loan from Jeevan Sanskar Co-operative (U) Thrift & Credit Society Ltd. Borrow up to ₹20,000 at low interest,...

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Deposits

Discover trusted and secure deposit options with Jeevan Sanskar Co-operative (U) Thrift & Credit Society Ltd.. Our Fixed Deposit and Recurring Deposit plans hel...

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Recurring Deposit

Jeevan Sanskar Co-operative offers Recurring Deposit plans that help you save regularly with guaranteed returns. Enjoy flexible monthly deposits, attractive int...

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Personal Loan

Jeevan Sanskar Co-operative offers Personal Loans with flexible tenure, low-interest rate, and easy monthly instalments. Quick approval, verified process, and t...

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Loans

At Jeevan Sanskar Co-operative (U) Thrift & Credit Society Ltd., we provide secure and affordable loan facilities to support members’ financial needs. Choose ...

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