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एक दिने सहकारी शिक्षा तथा वित्तीय साक्षरता तालिम सम्पन्न एक दिने सहकारी शिक्षा तथा वित्तीय साक्षरता तालिम सम्पन्न दुई दिने अचार बनाउने तालिम सम्पन्न वित्तीय साक्षरता तथा साइबर क्राइम सचेतना तालिम सामान खरिद गर्नुपर्ने सम्बन्धि सार्वजनिक सूचना एक दिने सहकारी शिक्षा तथा वित्तीय साक्षरता तालिम सम्पन्न एक दिने सहकारी शिक्षा तथा वित्तीय साक्षरता तालिम सम्पन्न दुई दिने अचार बनाउने तालिम सम्पन्न वित्तीय साक्षरता तथा साइबर क्राइम सचेतना तालिम सामान खरिद गर्नुपर्ने सम्बन्धि सार्वजनिक सूचना

Services

Savings, credit and community programs built around our members’ needs.

Service

Savings Products

Regular Monthly Savings

7% p.a.

A compulsory regular savings account held for as long as membership continues.

Compulsory while membership continues
7% interest per annum
Counts towards loan eligibility

Child Savings

9% p.a.

A higher-interest savings account for children from birth up to the age of 10.

9% interest per annum
Birthday gift for child members
Operated through a guardian

Fixed Deposit

6.5% – 8% p.a.

Deposit for a fixed term and receive interest at regular intervals.

Interest paid every 3 or 6 months
6.5% – 8% depending on the term

Voluntary Savings

5% p.a.

A flexible account you can pay into and withdraw from at any time.

Deposit or withdraw at any time
No extra fee to open once you are a member
5% interest per annum

Housewife Savings

9% – 12% p.a.

A long-term, higher-return savings plan for married women members.

Festival Savings

Save monthly so festival expenses are covered when the time comes.

Memorial Endowment Savings

12% p.a.

A permanent fund whose annual interest goes to a named person or institution.

Service

Loan Products

Agriculture & Livestock Loan

15% p.a.

Credit for farming, livestock and agriculture-based enterprise.

Trade & Business Loan

15.75% p.a.

For running and expanding shops, trade and service businesses.

Social Loan

15.75% p.a.

For social and family needs.

Hire Purchase Loan

15.75% p.a.

For purchasing vehicles and equipment.

Housing Loan

15.75% p.a.

For building or repairing a home and for buying land.

Education Special Loan

14% p.a.

Our lowest-rate loan, for the higher education of members and their children.

Emergency Loan

15.75% p.a.

Quickly available credit for unexpected needs such as medical treatment.

Enterprise Loan

15% p.a.

To start and grow small and medium enterprises.

Savings-backed Loan

Borrow against your own savings — your savings rate plus 2%.

Savings rate + 2%
No separate collateral needed
Quick approval

Service

Cooperative School & Training

Cooperative School

Cooperative education, financial literacy and skills training programs.

Cooperative education and financial literacy
Skills training
[Programme schedule — confirm with the office]

Interest rates

Savings interest rate table

Rates may change — contact the office for the current rate.
Savings product	Interest rate	Tenure
Regular Monthly Savings	7%	—
Child Savings	9%	—
Fixed Deposit	6.5% – 8%	1 to 3 years
Voluntary Savings	5%	—
Housewife Savings	9% – 12%	1 to 7 years
Festival Savings	—	Minimum 1 year
Memorial Endowment Savings	12%	—
Cooperative School	—	—

Interest rates

Loan interest rate table

How your rate is decided

Interest and instalments paid on time — the base rate below.
Monthly interest not paid — base rate plus 3%.
Neither interest nor instalments paid — base rate plus 4%.
Monthly-instalment loans get a [0.75%] discount — confirm with the office.

Rates may change — contact the office for the current rate.
Loan	Base rate	Tenure
Agriculture & Livestock Loan	15%	Up to 36 months
Trade & Business Loan	15.75%	36 – 72 months
Social Loan	15.75%	Up to 36 months
Hire Purchase Loan	15.75%	Up to 48 months
Housing Loan	15.75%	36 – 72 months
Education Special Loan	14%	Up to 36 months
Emergency Loan	15.75%	Up to 12 months
Enterprise Loan	15%	[Confirm with the office]
Savings-backed Loan	—	12 months, repaid as a lump sum

Calculate an instalment