Established 30 July 1998 · Audit class "A"
Prosperity through co-operation
Safe deposits, attractive returns and easy loans — your own society in Dehgam.
Established 30 July 1998 · Audit class "A"
A new home, a new energy
Welcome to the society’s newly built office.
Established 30 July 1998 · Audit class "A"
Mortgage & car loans at just 10%
Instant loans against NSC / KVP certificates at 12%.
Established 30 July 1998Reg. No. Se. 28983 dated 12-06-1997
About us
Dehgam's trusted co-operative for 28 years
With the support, co-operation and unwavering trust of its members, The Dehgam Nagarik Sahakari Sharafi Mandali Ltd. has completed 28 successful years and entered its 29th year.
Banking runs on the fine thread of public trust. The deep confidence the people of Dehgam place in the society is our greatest capital.
- Audit Class "A"
- Fully computerised since 1 April 2000
- Trusted by 3,494 members
- SMS alerts on every transaction
At a glance
3,494+
Members
28+
Years of service
10+
Deposit & loan schemes
11
Board members
Savings Account
A simple, safe account for everyday savings with SMS alerts.
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Fixed Deposit
Secure investment for a fixed term with attractive interest.
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Recurring Deposit
Save a small amount every month and receive a lump sum at maturity.
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2Xin 120 months
Shivam Certificate — Double Scheme
Your money doubles in 120 months — ₹1,000 becomes ₹2,000.
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10%interest
House / Shop Mortgage Loan
Loans against your house or shop at just 10%.
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10%interest
Car Loan
Drive home your car with a loan at just 10%.
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12%interest
NSC / KVP Certificate Loan
Instant loans against NSC / KVP certificates.
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16%interest
Personal Loan
Loans for personal needs at 16% interest.
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+2%over FD rate
Loan against Society FD
Loans against your society fixed deposit at just 2% above the FD rate.
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10%interest
Loan against Daily Recurring
Loans against your daily recurring account at just 10% interest.
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Interest rates
View allLoan interest rates
| Loan type | Rate |
|---|---|
| House / shop mortgage loan | 10% |
| Car loan | 10% |
| Loan against NSC / KVP | 12% |
| Personal Loan | 16% |
| Loan against Society FD (over FD rate) | +2% |
| Loan against Daily Recurring | 10% |
Rates are subject to change. Contact the society for exact terms.
Chairman's message
With your support, co-operation and unwavering trust, our society has completed 28 glorious years and entered its 29th. The deep trust the public has placed in us is our greatest capital.
Shri Gunvantbhai R. BarotChairman
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Our services
Facilities for members under one roof
Electricity bill collection
Pay your electricity (GEB) bills right at our office.
SMS balance alerts
Every account holder gets balance messages after each transaction.
Daily recurring collection
Daily savings collected via mobile — coming soon.
Fully computerised
Fast, transparent service since April 2000.
Loans on certificates
Instant credit against NSC / KVP certificates.
Dividend to your account
Open a savings account and your dividend is credited directly.
Board of Directors 2025-2026
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Notice board
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NEW29th Annual General Meeting — 29 Sept 2026
The 29th Annual General Meeting will be held on Tuesday, 29 September 2026 at 4:00 PM at Mahasukhlal Nathajibhai ni Vadi, opposite the petrol pump, De…
23Sept
NEWDividend payable from 5-10=2026
Members can collect their dividend from 05-10-2026. Members who have not collected dividends for 2023-24, 2024-25 and 2025-26 are requested to do so i…
23Sept
Mortgage and car loans at just 10% interest
Mortgage and car loans at 10%, and instant loans against NSC/KVP at 12%.
Photo gallery
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Plan with our calculators
Instantly estimate your EMI and deposit maturity
- Loan amount
- —
- Total interest
- —
- Total payment
- —
Figures are indicative. Please contact the society for exact terms.
Frequently asked questions
View allWhat is The Dehgam Nagarik Sahakari Sharafi Mandali Ltd.?
It is a fully computerised co-operative credit society in Dehgam, Gandhinagar district, Gujarat. It is registered as Reg. No. Se. 28983 (12-06-1997), has worked since 30-07-1998 and holds Audit Class "A".
Where is the society's office?
Siddhi Vinayak Complex, 1st Floor, next to Sardar Shopping Centre, Dehgam, Dist. Gandhinagar, Gujarat 382305. Phone 02716 230424, mobile 98243 63047.
Which deposit schemes does the society offer?
A savings account with SMS alerts, fixed deposits, recurring deposits and the Shivam Certificate double scheme, where money doubles in 120 months (₹1,000 becomes ₹2,000).
Which loans does the society give?
House / shop mortgage loans, car loans, personal loans, loans against NSC / KVP, loans against society fixed deposits and loans against daily recurring deposits. See the Interest Rates page for current rates.
Which documents are needed for KYC?
Two passport-size photos plus proof of identity and address — such as a PAN card, Aadhaar card, driving licence, electricity bill or telephone bill — submitted at the society's office.
How do members receive their dividend?
The dividend is credited directly to the member's savings account with the society, so every member is requested to open a savings account.
Our bankers
The Ahmedabad District Co-operative Bank Ltd.Dehgam
Bank of BarodaDehgam
Become a member today
Talk to us about deposits, loans or membership.