Frequently asked questions
Short, direct answers about the society, its schemes and interest rates
What 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.
Can I pay my electricity bill at the society?
Yes. The society's office runs a UGVCL (GEB) electricity bill collection centre where anyone can pay their bill.
Who is the chairman of the society?
Shri Gunvantbhai R. Barot is the chairman, Shri Dhansukhbhai D. Patel is the vice-chairman and Shri Hiteshkumar K. Soni is the managing director.
What is the interest rate for House / shop mortgage loan?
At The Dehgam Nagarik Sahakari Sharafi Mandali Ltd., the interest rate for House / shop mortgage loan is 10%. Rates may change; contact the society for exact terms.
What is the interest rate for Car loan?
At The Dehgam Nagarik Sahakari Sharafi Mandali Ltd., the interest rate for Car loan is 10%. Rates may change; contact the society for exact terms.
What is the interest rate for Loan against NSC / KVP?
At The Dehgam Nagarik Sahakari Sharafi Mandali Ltd., the interest rate for Loan against NSC / KVP is 12%. Rates may change; contact the society for exact terms.
What is the interest rate for Personal Loan?
At The Dehgam Nagarik Sahakari Sharafi Mandali Ltd., the interest rate for Personal Loan is 16%. Rates may change; contact the society for exact terms.
What is the interest rate for Loan against Society FD (over FD rate)?
At The Dehgam Nagarik Sahakari Sharafi Mandali Ltd., the interest rate for Loan against Society FD (over FD rate) is +2%. Rates may change; contact the society for exact terms.
What is the interest rate for Loan against Daily Recurring?
At The Dehgam Nagarik Sahakari Sharafi Mandali Ltd., the interest rate for Loan against Daily Recurring is 10%. Rates may change; contact the society for exact terms.