GULLAK YOJNA – Citizen Credit Society

YEAR	Daily Deposit	Monthly Deposit	Percentage	Maturity amount
3 Years	10/-	300 /-	9.00%	12425/-
5 Years	10/-	300 /-	9.5%	23062/-

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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SAVING-ACCOUNT

Secure Your Future with a Smart Saving Account

A Savings Account is more than just a place to park your money—it’s the first step towards building a financially secure future. Whether you’re saving for unexpected expenses, a big purchase, or simply cultivating a habit of disciplined saving, a well-structured saving account is your financial safety net.

Designed for simplicity, accessibility, and long-term growth, our savings account options are tailored to meet the everyday banking needs of individuals, families, and small businesses across all income levels. Backed by a reliable system and user-friendly interface, opening and managing your savings has never been this easy.

SAVING ACCOUNTS – 6 % Yearly (Simple INTEREST)

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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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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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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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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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Mr. SANTOSH KR. SRIVASTAVA

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Mr. SANTOSH KR. SRIVASTAVA (SECRETARY)

Mr. Santosh Srivastav is a leading investment consultant with over 35 years. of financial service experience & has impeccable social standing in society.

Email: secretary@citizencooperative.in

Social Works:

Food Distribution: Providing meals to the homeless or low-income families.
Clothing Drives: Collecting and distributing clothes to those in need.
Mental Health Awareness Programs: Providing counseling or conducting awareness campaigns.

Mr. SUBODH KUMAR

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Mr. SUBODH KUMAR (DIRECTOR)

Mr. Subodh Kumar worked with NBFC & has over 20 years. of experience in the administration of the financial Sector.

Email: subodh.kumar@citizencooperative.in

Smt MEERA SINHA

female

Smt. MEERA SINHA (CEO)

Smt. Meera Sinha is a financial consultant with over 25 years. of experience. She holds a master’s in Sociology from Patna University. Her interest & work area have been social work & spiritual wellbeing.

Email: ceo@citizencooperative.in

Sri R.N.SINGH

male