Services

I. Deposit Services (Saving and Managing Money)

This is the most fundamental service offered by our society, allowing customers to deposit and securely store their money while earning interest.

• Savings Account:

A basic interest-bearing account for individuals to save money and perform day-to-day transactions with limited withdrawal restrictions. Various types exist, such as regular, zero-balance, minor, and senior citizen accounts.

• Current Account:

Designed primarily for businesses, companies, and individuals with frequent, high-volume transactions. These accounts usually don’t offer interest but provide unlimited withdrawals and deposits, overdraft facilities, and other business-friendly features.

• Fixed Deposit (FD):

A lump sum is deposited for a fixed tenure at a higher interest rate than a savings account. Funds are locked in until maturity, making it a popular investment choice for guaranteed returns.

• Recurring Deposit (RD):

A fixed amount is deposited every month for a set period. It helps in disciplined saving and offers a higher interest rate than a savings account, with the principal and accumulated interest returned at maturity.

II. Lending Services

Society’s provide various types of loans to individuals and businesses for different needs.

• Personal Loans:

Unsecured loans (without collateral) for personal expenses like travel, weddings, medical emergencies, or debt consolidation.

• Home Loans:

Long-term loans for purchasing, constructing, or renovating a house or flat.

• Vehicle Loans:

Loans for buying new or used cars, bikes, and other vehicles.

• Education Loans:

Financial assistance for students to pursue higher education in India or abroad, covering tuition fees and living expenses.

• Gold Loans:

Secured loans provided against gold ornaments or coins, known for their quick processing and low-interest rates.

• Business Loans:

Loans for entrepreneurs and businesses for working capital, expansion, equipment purchase, or other business needs.

• Loans Against Property (LAP):

A secured loan where a property is used as collateral to get a loan for business or personal needs.

III. Digital Banking and Payments

Technology has transformed banking, and these services provide convenience and 24/7 access.

• Mobile Banking:

Using a dedicated Society app on a smartphone to check balances, transfer funds, pay bills, and manage accounts.

• Internet Banking (Net Banking):

Accessing and managing bank accounts through the Society’s secure website on a computer or mobile browser.

• Unified Payments Interface (UPI):

A real-time payment system that allows instant inter-bank transfers using a Virtual Payment Address (VPA) through apps like Google Pay, PhonePe, and BHIM.

• NEFT/RTGS/IMPS:

Electronic fund transfer systems for sending money from one account to another. IMPS is instant, while NEFT and RTGS are processed in batches (NEFT) or real-time for high-value transactions (RTGS).

• Debit and Credit Cards:

- Debit Card: Allows direct access to funds in a savings/current account for transactions at ATMs, PoS terminals, and online.
- Credit Card: Provides a line of credit to make purchases on credit, with a billing cycle and a repayment due date.

• ATMs and Cash Deposit Machines (CDMs):

Self-service terminals for cash withdrawals, deposits, balance inquiries, and mini-statements.

• Bill Payments:

Facilitating electronic payment of utility bills (electricity, water, gas), mobile bills, and other recurring expenses through online platforms.

IV. Investment and Wealth Management

Societys have expanded their services to help customers manage and grow their wealth.

• Mutual Funds:

Societys act as distributors for various mutual fund schemes, allowing customers to invest in stocks and bonds through a single platform.

• Insurance

Societys partner with insurance companies to offer life, health, and general insurance products (Bancassurance).

• Demat and Trading Accounts:

Some Society’s provide services to open Demat accounts for holding securities in electronic form and trading accounts for buying and selling stocks.

Other Services (Ancillary Functions)

• Locker Facilities:

Providing safe deposit lockers to store valuable documents, jewelry, and other precious items securely.

• Forex Services:

Buying and selling foreign currency for international travel, business, or other needs.

• Remittance Services:

Facilitating the transfer of money from India to other countries (outward remittance) and receiving money from abroad (inward remittance).

• Government Schemes:

Society’s play a crucial role in implementing government schemes like PMJDY, PMSBY, PMJJBY, and others to promote financial inclusion.

• Demand Drafts and Cheques:

Issuing paper-based instruments for secure payments.

• SMS and Email Alerts:

Sending automated notifications for transactions and account updates.

संस्थेची वैशिष्ट्ये

उच्चशिक्षित व अनुभवी मॅनेजमेंट टीम
उच्चशिक्षित कर्मचारी वर्ग
स्वच्छ पारदर्शक व काटकसरीचे धोरण
संस्थेचा व्यवसाय 100 कोटी पर्यंत वाढवण्यासाठी विविध योजना
संस्थेचा स्वतःचा IFSC कोड.
ATM, RTGS,NEFT मोफत सेवा.
QR Code प्रणाली.
SMS सुविधांचा लाभ राष्ट्रीयकृत बँकेप्रमाणे दिला जातो
संस्थेमध्ये संपूर्ण संगणकृत सेवा
संस्थेचे स्वतःचे मोबाईल ॲप्लिकेशन
सर्व प्रकारचे ऑनलाइन बिले रिचार्ज बँकिंग सेवा उपलब्ध सातबारा शेती उतारा खाते उतारा त्वरित कमी रकमेमध्ये उपलब्ध
पॅन कार्ड दुरुस्ती व नवीन पॅन कार्ड सेवा उपलब्ध
सुरक्षित लॉकर सुविधा उपलब्ध
प्रत्येक महिन्याला एस बी करंट अकाउंट स्टेटमेंट तुमच्या ईमेल व्हाट्सअप वर पाठवण्यात येते
संस्थेचे कामकाज सकाळी साडेआठ ते सायंकाळी सहा वाजेपर्यंत असल्यामुळे पूर्ण वेळ सभासदांना सुविधा देण्यात येतात
अशा प्रकारे विविध संस्थेची वैशिष्ट्ये आहेत त्या प्रत्येकाने आपले वर आपल्या कोकणे गावातील विजन या संस्थेत सुरू करावेत