Q. Why anyone would go for investment in your cooperative rather than investing in PSU or Pvt. Banks? - Citizen Saving & Credit Co-operative society limited

Sri R. N. SINGH

CHAIRMAN

Right from his first stint as Chairman of the Coorperative Society, Shri Gautam Thakur has always been leading from the front – be it Overall Strategy, Streamlining Policies, Restructuring of Zones, Creating new Departments of Digital Banking, Customer Relations and Business Analytics.

He transformed the Retail Business of the Bank by his strategy of Delegation of Powers to Branches, rather than Centralization of Powers and introduced the concept of Business Development Officers (BDOs) and Branch Sales Officers (BSOs) in the Bank for better customer connect. A relentless Reformer and Motivator, he has a keen eye for emerging leaders. Affable and accessible, he is popular amongst all within the Bank for his inclusive and forward-looking approach in all initiatives. Under his leadership, Saraswat Bank was selected as one of the World’s Best Banks by a Forbes survey for four years in a row (2020 – 2023). It also won the Best…

Smt. SARITA PRASAD

DIRECTOR

Right from his first stint as Chairman of the Bank, Shri Gautam Thakur has always been leading from the front – be it Overall Strategy, Streamlining Policies, Restructuring of Zones, Creating new Departments of Digital Banking, Customer Relations & Experience, AACC, IT Security and Business Analytics.

She transformed the Retail Business of the Bank by his strategy of Delegation of Powers to Branches, rather than Centralization of Powers and introduced the concept of Business Development Officers (BDOs) and Branch Sales Officers (BSOs) in the Bank for better customer connect. A relentless Reformer and Motivator, he has a keen eye for emerging leaders. Affable and accessible, he is popular amongst all within the Bank for his inclusive and forward-looking approach in all initiatives. Under his leadership, Saraswat Bank was selected as one of the World’s Best Banks by a Forbes survey for four years in a row (2020 – 2023). It also won the Best…

Mr. SANJAY KUMAR MISHRA

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DIRECTOR

Right from his first stint as Chairman of the Bank, Shri Gautam Thakur has always been leading from the front – be it Overall Strategy, Streamlining Policies, Restructuring of Zones, Creating new Departments of Digital Banking, Customer Relations & Experience, AACC, IT Security and Business Analytics.

He transformed the Retail Business of the Bank by his strategy of Delegation of Powers to Branches, rather than Centralization of Powers and introduced the concept of Business Development Officers (BDOs) and Branch Sales Officers (BSOs) in the Bank for better customer connect. A relentless Reformer and Motivator, he has a keen eye for emerging leaders. Affable and accessible, he is popular amongst all within the Bank for his inclusive and forward-looking approach in all initiatives. Under his leadership, Saraswat Bank was selected as one of the World’s Best Banks by a Forbes survey for four years in a row (2020 – 2023). It also won the Best…

Mr. SUDARSAN SINGH

DIRECTOR

Right from his first stint as Chairman of the Bank, Shri Gautam Thakur has always been leading from the front – be it Overall Strategy, Streamlining Policies, Restructuring of Zones, Creating new Departments of Digital Banking, Customer Relations & Experience, AACC, IT Security and Business Analytics.

He transformed the Retail Business of the Bank by his strategy of Delegation of Powers to Branches, rather than Centralization of Powers and introduced the concept of Business Development Officers (BDOs) and Branch Sales Officers (BSOs) in the Bank for better customer connect. A relentless Reformer and Motivator, he has a keen eye for emerging leaders. Affable and accessible, he is popular amongst all within the Bank for his inclusive and forward-looking approach in all initiatives. Under his leadership, Saraswat Bank was selected as one of the World’s Best Banks by a Forbes survey for four years in a row (2020 – 2023). It also won the Best…

Smt. SUSHMA KUMARI

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DIRECTOR

Right from his first stint as Chairman of the Bank, Shri Gautam Thakur has always been leading from the front – be it Overall Strategy, Streamlining Policies, Restructuring of Zones, Creating new Departments of Digital Banking, Customer Relations & Experience, AACC, IT Security and Business Analytics.

She transformed the Retail Business of the Bank by his strategy of Delegation of Powers to Branches, rather than Centralization of Powers and introduced the concept of Business Development Officers (BDOs) and Branch Sales Officers (BSOs) in the Bank for better customer connect. A relentless Reformer and Motivator, he has a keen eye for emerging leaders. Affable and accessible, he is popular amongst all within the Bank for his inclusive and forward-looking approach in all initiatives. Under his leadership, Saraswat Bank was selected as one of the World’s Best Banks by a Forbes survey for four years in a row (2020 – 2023). It also won the Best…

HOUSING ADVISORY

Expert Housing Advisory for Your Dream Home

Buying a home is more than just a financial decision—it’s a milestone in your life. Whether you’re a first-time buyer, a family looking to upgrade, or someone planning a retirement haven, our Housing Advisory Services are here to guide you every step of the way.

From choosing the right property to understanding legal procedures and financing options, our team provides personalized support to help you make informed and confident decisions.

What is Housing Advisory?

A housing advisory service acts as your personal guide in the home-buying or renting journey. We assist you in evaluating properties, understanding market trends, checking legal compliance, and ensuring your housing decision matches both your financial goals and lifestyle needs.

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EDUCATION LOAN

Invest in a Brighter Future with Our Education Loan

Quality education opens the door to limitless opportunities, but rising academic costs often create barriers. Our Education Loan is designed to bridge that gap, helping students pursue their dreams without financial stress. Whether it’s higher studies in India or abroad, this loan supports tuition fees, living expenses, books, and more.

We believe that no dream should be left behind due to a lack of funds.

Why Choose an Education Loan?

Education is one of the most rewarding investments in life. However, costs like course fees, accommodation, travel, and supplies can add up quickly. An education loan gives you the financial freedom to focus on learning, not worrying about expenses.

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INSURANCE POLICY

Secure Your Future with Our Trusted Insurance Schemes

Life is full of uncertainties, but your financial future doesn’t have to be. Our Insurance Schemes are designed to provide you and your loved ones with peace of mind, financial security, and support when it’s needed the most. Whether it’s safeguarding your health, life, or valuable assets—insurance is not just a plan, it’s a promise of protection.

Why Insurance is Essential

Unexpected events like illness, accidents, or financial loss can have a serious impact on your life and savings. Insurance acts as a protective shield, helping you handle these challenges without draining your finances. From covering medical expenses to offering financial aid in emergencies or loss of income, insurance is a smart step toward long-term stability.

Our insurance offerings are tailored to meet your individual needs, no matter your age, profession, or stage of life.

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Mr. SUBODH KUMAR

DIRECTOR

Right from his first stint as Chairman of the Bank, Shri Gautam Thakur has always been leading from the front – be it Overall Strategy, Streamlining Policies, Restructuring of Zones, Creating new Departments of Digital Banking, Customer Relations & Experience, AACC, IT Security and Business Analytics.

He transformed the Retail Business of the Bank by his strategy of Delegation of Powers to Branches, rather than Centralization of Powers and introduced the concept of Business Development Officers (BDOs) and Branch Sales Officers (BSOs) in the Bank for better customer connect. A relentless Reformer and Motivator, he has a keen eye for emerging leaders. Affable and accessible, he is popular amongst all within the Bank for his inclusive and forward-looking approach in all initiatives. Under his leadership, Saraswat Bank was selected as one of the World’s Best Banks by a Forbes survey for four years in a row (2020 – 2023). It also won the Best…

Mr. SANTOSH KR. SRIVASTAVA

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SECRETARY

Right from his first stint as Chairman of the Bank, Shri Gautam Thakur has always been leading from the front – be it Overall Strategy, Streamlining Policies, Restructuring of Zones, Creating new Departments of Digital Banking, Customer Relations and Business Analytics.

He transformed the Retail Business of the Bank by his strategy of Delegation of Powers to Branches, rather than Centralization of Powers and introduced the concept of Business Development Officers (BDOs) and Branch Sales Officers (BSOs) in the Bank for better customer connect. A relentless Reformer and Motivator, he has a keen eye for emerging leaders. Affable and accessible, he is popular amongst all within the Bank for his inclusive and forward-looking approach in all initiatives. Under his leadership, Saraswat Bank was selected as one of the World’s Best Banks by a Forbes survey for four years in a row (2020 – 2023). It also won the Best…

Smt MEERA SINHA

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CEO

Right from his first stint as Chairman of the Bank, Shri Gautam Thakur has always been leading from the front – be it Overall Strategy, Streamlining Policies, Restructuring of Zones, Creating new Departments of Digital Banking, Customer Relations and Business Analytics.

She transformed the Retail Business of the Bank by his strategy of Delegation of Powers to Branches, rather than Centralization of Powers and introduced the concept of Business Development Officers (BDOs) and Branch Sales Officers (BSOs) in the Bank for better customer connect. A relentless Reformer and Motivator, he has a keen eye for emerging leaders. Affable and accessible, he is popular amongst all within the Bank for his inclusive and forward-looking approach in all initiatives. Under his leadership, Saraswat Bank was selected as one of the World’s Best Banks by a Forbes survey for four years in a row (2020 – 2023). It also won the Best…

RECURRING DEPOSIT

Looking for a disciplined and reliable way to save money every month? Our Recurring Deposit (RD) is the perfect solution for individuals who want to grow their savings steadily without financial strain. Whether you’re saving for your child’s education, a family vacation, or just building a safety net, RD helps turn small monthly savings into a sizable corpus over time.

Recurring Deposit is a product where you have to deposit money every month to get a cumulative return at the end of the tenure.

RD products are available for tenures ranging from 12 months to 60 months, offering returns of 7.5%, 8.0%, 9.0%, 9.25%, and 9.50% per Year, respectively.

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DEPOSIT SCHEMES

When it comes to building a secure financial future, smart saving is key. Our Deposit Schemes are crafted to help you grow your money steadily and securely while offering complete flexibility and peace of mind.
Whether you’re planning for short-term needs or long-term goals like children’s education, a new home, or retirement, we have the right deposit solution tailored to your lifestyle and earning pattern.

The daily deposit scheme, also popularly called as pigmy deposit facilities collection of deposit at door step through authorized collectors of the organization on a daily basis. Minimum amount 10.00 Rs. or multiple of 10.00 Rs.

Daily deposit tenure is available in 12 months, 24 months, 36 months giving returns of 4.0%, 5.0%, 6.0% per annum respectively.

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Q. How this cooperative Society different from Non-Banking?

SNS Snsystem

0612-2255447

Wed - Mon: 10.00am to 6.00pm

Expert Housing Advisory for Your Dream Home

What is Housing Advisory?

Invest in a Brighter Future with Our Education Loan

Why Choose an Education Loan?

Secure Your Future with Our Trusted Insurance Schemes

Why Insurance is Essential