Society Timings Monday-Friday: 9:30 AM-5:30 PM Saturday: 9:30 AM-2:30 PM Sunday: Holiday
Deposit schemes

Flexible deposit options for saving, planning, and steady growth.

Explore practical schemes for everyday banking, disciplined saving, and member-focused returns.

Everyday accounts

Accounts designed for savings habits and regular transactions

Choose dependable account options for regular banking access and everyday member use.

Savings Bank Account

Savings Bank Account

Manage everyday finances with a safe and flexible savings account designed to build regular saving habits for individuals and families.

Minimum Balance₹500 InterestAs per prevailing society policy NominationAvailable
Current Account

Current Account

Support regular business transactions with convenient day-to-day banking for traders, businesses, and institutions needing frequent account activity.

Minimum Quarterly Average Balance₹10,000 OverdraftAvailable on collateral or turnover basis Suitable ForBusinesses and traders
Planned savings

Options for disciplined monthly saving and fixed-tenure growth

Build regular savings habits or invest for a selected tenure with clear, member-focused structures.

Recurring Deposit

Recurring Deposit

Build disciplined monthly savings by depositing a fixed amount for a chosen tenure and receiving maturity value with applicable interest.

Minimum RD₹500 Tenure12 / 24 / 36 / 60 months Loan FacilityAvailable as per society rules
Fixed Deposit

Fixed Deposit

Invest savings for a selected tenure and earn attractive returns through a secure, planned deposit option for long-term goals.

Minimum Deposit₹1,000 Tenure12 / 24 / 36 / 60 months Senior Citizen+0.5%
Special schemes

Flexible choices for monthly income and regular small savings

Explore schemes suited for regular monthly returns or small, disciplined saving habits.

MIS Monthly Installment Scheme

MIS (Monthly Installment Scheme)

Invest a lump sum for a selected tenure and receive interest at regular monthly intervals under the approved scheme terms.

Scheme TypeMonthly income Deposit StyleLump sum investment PayoutRegular monthly intervals
Pigmy Deposit

Pigmy Deposit

Encourage small and regular savings through convenient frequent deposits, especially for individuals, traders, and small businesses.

Deposit StyleSmall regular savings Suitable ForIndividuals and traders SMS AlertsAvailable on mobile

Account opening requirement

Account opening is subject to KYC and applicable regulatory requirements.

Member Note

We warmly welcome you to the Universal Souharda family.

Join as a member and explore trusted financial services built around cooperative values, member care, and shared growth.