Sivagangai Electricity Distribution Circle Employees Co-op. Thrift & Credit Society Ltd.

Our Services

Comprehensive financial solutions for our members — savings, credit and profit sharing.

Loans

Personal & Home Loans

Affordable loans for housing, education, vehicle and personal needs with competitive interest rates and flexible repayment options. Repayments are conveniently collected through salary deduction.

Low Interest Rates

Deposits

Secure Savings

Safe and secure deposit schemes with attractive interest rates. Grow your savings with us through various deposit options tailored to your goals.

Guaranteed Returns

Member Dividend

Annual Profit Sharing

Enjoy annual dividend distribution from society profits based on your share capital and savings. Rewarding your loyalty and trust, year after year.

Annual Payout

Credit Facilities

Flexible Credit

Flexible credit facilities to meet your financial needs. Quick approval process with easy documentation and convenient repayment terms.

Easy Access

Easy Withdrawals

Convenient Debits

Convenient withdrawal options through salary deduction and direct debiting. Access your funds whenever you need them.

Hassle-Free

Recurring Deposit

Monthly Savings Scheme

Monthly recurring deposit scheme with attractive interest rates. Save regularly and watch your money grow with compound interest.

Interest: 9% p.a.

Term Deposit

Fixed-Term Savings

Lock in your savings for a fixed term and earn higher interest rates. Choose from flexible tenure options of 1 to 5 years.

Interest: Up to 10% p.a.

Interest rates are indicative, set by the society's board and subject to periodic revision. Please contact the office for currently applicable rates and scheme terms.

Have Questions About a Scheme?

Our team will be happy to listen to you and suggest the best financial solutions for your needs.

Contact Us