# The Dehgam Nagarik Sahakari Sharafi Mandali Ltd. (ધી દહેગામ નાગરિક સહકારી શરાફી મંડળી લી.) > Co-operative credit society in Dehgam, Gandhinagar since 1998, Audit Class "A": savings, fixed & recurring deposits, Shivam double scheme, mortgage and car loans. ## Key facts - Registration: Reg. No. Se. 28983 dated 12-06-1997 - Established: 30 July 1998 - Audit class: "A" - Location: Siddhi Vinayak Complex, 1st Floor, next to Sardar Shopping Centre, Dehgam, Dist. Gandhinagar, Gujarat. - Office phone: 02716 230424 - Mobile: 98243 63047 - Email: info@dehgamnagssmandaliltd.in - Motto: No progress without co-operation (વિના સહકાર નહીં ઉદ્ધાર) - Website languages: Gujarati (default), Hindi, English — add ?lang=gu|hi|en to any URL - Facebook: https://www.facebook.com/profile.php?id=61594831857641 - Instagram: https://www.instagram.com/dh_7107/ ## Deposit schemes - [Savings Account](https://dehgamnagssmandaliltd.in/schemes/803621d2a629b900afea9b64?lang=en): A simple, safe account for everyday savings with SMS alerts. - [Fixed Deposit](https://dehgamnagssmandaliltd.in/schemes/cafc3102a3dfc3859d0eb14a?lang=en): Secure investment for a fixed term with attractive interest. - [Recurring Deposit](https://dehgamnagssmandaliltd.in/schemes/3b02730c4e7d42f745c86168?lang=en): Save a small amount every month and receive a lump sum at maturity. - [Shivam Certificate — Double Scheme](https://dehgamnagssmandaliltd.in/schemes/309275eaa19aa994d8ef8b5a?lang=en) — 2X in 120 months: Your money doubles in 120 months — ₹1,000 becomes ₹2,000. ## Loan schemes - [House / Shop Mortgage Loan](https://dehgamnagssmandaliltd.in/schemes/5137076216d19d25ced07bf1?lang=en) — 10% interest: Loans against your house or shop at just 10%. - [Car Loan](https://dehgamnagssmandaliltd.in/schemes/e83c5cd9912ab1fdb30431d0?lang=en) — 10% interest: Drive home your car with a loan at just 10%. - [NSC / KVP Certificate Loan](https://dehgamnagssmandaliltd.in/schemes/27f2f678eb994dd3ae180d96?lang=en) — 12% interest: Instant loans against NSC / KVP certificates. - [Personal Loan](https://dehgamnagssmandaliltd.in/schemes/4d590f063815e4ab3836f946?lang=en) — 16% interest: Loans for personal needs at 16% interest. - [Loan against Society FD](https://dehgamnagssmandaliltd.in/schemes/f42c12dd3f5c0abbdedeeeb0?lang=en) — +2% over FD rate: Loans against your society fixed deposit at just 2% above the FD rate. - [Loan against Daily Recurring](https://dehgamnagssmandaliltd.in/schemes/7d0336e43363f34679fbdfb1?lang=en) — 10% interest: Loans against your daily recurring account at just 10% interest. ## Loan interest rates - 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._ ## Frequently asked questions ### 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. ## Pages - [Home](https://dehgamnagssmandaliltd.in/?lang=en): overview, schemes, rates, notices - [About us](https://dehgamnagssmandaliltd.in/p/about-us?lang=en) - [Deposit & loan schemes](https://dehgamnagssmandaliltd.in/schemes?lang=en) - [Interest rates](https://dehgamnagssmandaliltd.in/rates?lang=en) - [Board of directors](https://dehgamnagssmandaliltd.in/board?lang=en) - [Chairman's message](https://dehgamnagssmandaliltd.in/message?lang=en) - [Notices](https://dehgamnagssmandaliltd.in/notices?lang=en): meetings, dividend, announcements - [Downloads](https://dehgamnagssmandaliltd.in/downloads?lang=en): annual reports and forms - [FAQ](https://dehgamnagssmandaliltd.in/faq?lang=en) - [Calculator](https://dehgamnagssmandaliltd.in/calculator?lang=en): EMI / FD / RD - [Photo gallery](https://dehgamnagssmandaliltd.in/gallery?lang=en) - [Contact](https://dehgamnagssmandaliltd.in/contact?lang=en) ## Optional - [Full text for AI assistants](https://dehgamnagssmandaliltd.in/llms-full.txt) - [Sitemap](https://dehgamnagssmandaliltd.in/sitemap.xml)