Our Banking Services

Transparent, fast, and member-focused financial solutions designed for your needs.

Instant Gold Loan Deposits & Rates Credit & Advances Neethi Medicals & Welfare EMI Calculator

Financing Every Need in Iringallur-Palazhi

From gold and agricultural finance to vehicle, business, and Kudumbashree credit schemes.

Gold Loan

Gold Loan

Get quick financial assistance by pledging gold ornaments. Simple application, maximum valuation, and flexible repayment options for immediate personal or family needs.

Gahan Loan

Gahan Loan (കഹാൻ വായ്പ)

Traditional mortgage and land-backed cooperative credit scheme providing substantial financial support for property, land development, and personal requirements.

Non-Agriculture Medium Term Loan

Non-Agriculture Medium Term Loan

Medium-term financial assistance for non-agricultural purposes including home renovation, trade, small industry setup, and educational expenses.

Medium Term Kudumbasree Loan

Medium Term Kudumbasree Loan

Specialized credit facility for registered Kudumbashree Neighborhood Groups (NHGs) to promote women entrepreneurship and micro-enterprises.

Business Loan

Business Loan

Working capital credit and term loans for local merchants, shops, workshops, and commercial ventures to expand operations with ease.

Savari Loan

Savari Loan (Vehicle Loan)

Affordable financing for purchasing two-wheelers, passenger vehicles, and commercial transport vehicles with low interest rates and simple documentation.

Kudumbasree Linkage Loan

Kudumbasree Linkage Loan

NABARD & Cooperative Department linked credit scheme offering low-interest micro-finance to empower self-help groups and women-led initiatives.

Grow Your Wealth Safely

Guaranteed high returns with complete safety under the Kerala Co-operative Societies Act.

Fixed Deposit

Fixed Deposit (FD)

Earn guaranteed attractive interest returns up to 8.00% p.a. with fixed tenures and maximum safety for your capital.

Savings Bank Account

Savings Bank (SB)

Flexible everyday savings account with competitive interest, convenient passbook, and hassle-free deposit/withdrawal facilities.

Recurring Deposit

Recurring Deposit (RD)

Disciplined systematic monthly savings scheme designed for families and salaried individuals to build a substantial corpus over time.

Mahila Samriddhi Savings

MSS (Mahila Samriddhi Savings)

Special savings scheme tailored for women to promote financial independence, offering higher interest benefits and easy access.

Deposit Interest Rate Schedule

Current rates applicable for general public and senior citizens.

Deposit Period General Public Senior Citizens (60+ Years)
46 Days to 90 Days 5.50% p.a. 6.00% p.a.
91 Days to 180 Days 6.25% p.a. 6.75% p.a.
181 Days to Less than 1 Year 7.00% p.a. 7.50% p.a.
1 Year to 2 Years 7.50% p.a. 8.00% p.a.
Above 2 Years to 5 Years 7.50% p.a. 8.00% p.a.
Savings Bank (SB) Deposit 4.00% p.a. 4.00% p.a.

Modern Banking Facilities & Retail Stores

Fast money remittance, 100% free lockers, and subsidized Neethi Supermarket for our community.

NEFT / RTGS Remittance

NEFT / RTGS Remittance

Instant and secure electronic fund transfers across all banks nationwide. Transfer funds seamlessly into any account with speed and reliability.

100% FREE Safe Deposit Locker

Safe Deposit Locker (100% Free)

State-of-the-art secure vault lockers available in multiple sizes to protect your precious jewelry, title deeds, and documents — 100% free of rent.

Neethi Supermarket Consumer Store

Neethi Supermarket (Consumer Store)

Fair-price consumer store offering quality daily provisions, household goods, and essential commodities at subsidized rates for our community.

Plan Your Finances

Estimate your monthly loan EMI or watch your deposit maturity grow with our easy calculator.

Loan Amount (₹) ₹ 2,00,000
Tenure (Years) 3 Years
Interest Rate (% p.a.) 9.5%
Estimated Monthly EMI
₹ 6,406
Total Interest Payable ₹ 30,627
Total Payment (Principal + Interest) ₹ 2,30,627