Member Deposits
Build your savings with the society through disciplined deposit schemes designed for members.
- Savings & recurring deposit options
- Fixed deposits for set tenures
- Attractive returns for members
- Simple account opening & nomination
✓ Registered Co-operative Credit Society · Thane
Save Together. Grow Together. Ekta is Strength.
Ekta Co-operative Credit Society Ltd. is a member-owned credit society in Wagle Estate, Thane. We accept deposits from our members and provide loans to members, with clear terms, fair rates and a personal touch.
- Member-owned society
- Transparent processes
- Community-focused
Safe DepositsManaged by members
Quick LoansLocal decisions
Member-OwnedRun for members, by members
Co-operativeRegistered credit society
Wagle EstateThane, Maharashtra
Personal SupportOne-to-one guidance
About Us
A credit society built on unity
"Ekta" means unity, and that is how we work. Ekta Co-operative Credit Society Ltd. is a registered co-operative credit society in Wagle Estate, Thane, serving its members through collective savings and mutual support.
Our model is simple. Members deposit their savings with the society, and the society uses those pooled funds to give loans to members who need them. Every rupee stays within the community, and every member has a voice.
- Member-first approach. There are no outside shareholders, so surpluses benefit members.
- Transparent dealings. Clear terms on deposits and loans, explained in person.
- Local presence. Walk into our Wagle Estate office and speak to a real person.
Our Guiding Principles
- Voluntary and open membership
- Democratic member control
- Members' economic participation
- Autonomy and independence
- Co-operation and concern for community
"Each for all, and all for each." This co-operative ideal guides every decision we make.
Our Mission
To encourage thrift among members and provide timely, affordable credit so that every member family can meet its needs with dignity.
Our Vision
To be the most trusted member-owned credit society in Thane, known for honesty, prudence and genuine care for its members.
Our Values
Integrity, transparency, accountability and unity. We treat every member's money as carefully as our own.
Our Services
Deposits & loans, exclusively for members
Two core services with one purpose: helping our members save securely and borrow responsibly.
Member Loans
Access affordable credit from your own society for personal, household or business needs.
- Personal & emergency loans
- Loans against member deposits
- Small business & working-capital support
- Fair interest & flexible repayment
Membership
Join Ekta Co-operative Credit Society and become a part-owner of the institution that serves you.
- Open to eligible individuals as per by-laws
- Nominal share contribution
- Voting rights at general meetings
- Access to all deposit & loan services
Deposit Schemes
Savings plans for every goal
Whether you are saving for a rainy day or a big milestone, there is a member deposit scheme to suit you.
SB
Savings Deposit
A flexible account for everyday savings. Deposit and withdraw as you need, while your balance earns interest.
RD
Recurring Deposit
Save a fixed amount every month and build a sizeable corpus over time through steady, disciplined saving.
Popular
FD
Fixed Deposit
Place a lump sum for a chosen tenure and earn assured returns. Loans against your FD are available when needed.
DD
Daily Deposit
Ideal for shopkeepers and small traders. Save small amounts daily and watch them add up.
Interest rates and tenures are set by the managing committee as per the society's by-laws. Please contact us for current rates.
Loan Products
Credit that helps members move forward
Fair rates, simple documentation and quick local decisions on every member loan.
Personal Loan
For family needs, medical expenses, weddings or any personal requirement.
Business Loan
Working capital and expansion support for members running small businesses and shops.
Loan Against Deposit
Borrow against your fixed or recurring deposit without breaking it.
Education Loan
Support for school, college and professional course fees for members' children.
Home Improvement
Repair, renovate or furnish your home with an easy-repayment member loan.
Gold Loan
Quick funds against gold ornaments, with safe custody and transparent valuation.
Emergency Loan
Fast-tracked small loans to help members handle urgent and unexpected expenses.
Surety Loan
Loans backed by guarantor members, in the true spirit of co-operation.
All loans are available only to members and are subject to eligibility, documentation and approval by the society.
Plan Ahead
Loan EMI calculator
Get a quick estimate of your monthly instalment before you apply.
Adjust your loan details
Move the sliders to see your estimated EMI.
₹10K₹10L
6%24%
6 months120 months
Monthly EMI
Apply for a loan
₹9,415
Principal amount₹2,00,000
Total interest₹25,960
Total payable₹2,25,960
This is an indicative estimate on a reducing-balance basis. Actual rates and EMI are confirmed in your sanction letter.
Member Benefits
Why members choose Ekta
A co-operative credit society exists only to serve its members. Here is what that means for you.
Safe & Prudent
Funds are managed carefully under the society's by-laws and co-operative regulations.
Quick Processing
Local decision-making means faster responses on deposits and loans.
No Hidden Charges
Every term is explained clearly before you sign anything.
Voting Rights
Every member has a say at the annual general meeting.
Share in Surplus
Eligible members may receive dividend on share capital as approved by the AGM.
Speak Your Language
Our team assists in English, Hindi and Marathi, in person or by phone.
Community First
Your savings fund loans for your neighbours, strengthening the whole community.
Personal Care
You are a member, not an account number. We know you by name.
How It Works
Become a member in 4 simple steps
Membership is the gateway to all our deposit and loan services.
Get in Touch
Call +91 84199 48341 or send the enquiry form below. We will explain eligibility and documents.
Submit Documents
Provide identity and address proof, photographs and the membership application form.
Share Contribution
Pay the nominal share capital and admission fee as set in the society's by-laws.
Save & Borrow
Once approved, open your deposit account and become eligible for member loans.
Be Prepared
Documents you will need
Keep these ready to make your membership or loan application quick and smooth.
Additional documents such as income proof, guarantor details or security papers may be required for loans. Our staff will confirm the exact list for your application.
- Identity ProofAadhaar card, Voter ID, Passport or Driving Licence
- PAN CardRequired for deposits and loans as per tax rules
- Address ProofUtility bill, rent agreement or Aadhaar card
- PhotographsTwo recent passport-size photographs
- Nominee DetailsName, relationship and age of your nominee
FAQ
Frequently asked questions
Quick answers to the questions members ask us most often.
Who can open a deposit account with Ekta Co-operative Credit Society?
Deposit accounts are available to members of the society. Becoming a member is simple. Visit our Wagle Estate office or call +91 84199 48341 and our team will guide you through the process.
Does the society give loans to non-members?
No. As a co-operative credit society, we provide loans only to our members. Membership is open to eligible individuals as per the society's by-laws.
What documents are needed to become a member?
Typically you will need identity proof, address proof, a passport-size photograph and the membership application form. Our staff will confirm the exact requirements when you contact us.
Can I take a loan against my deposit?
Yes. Members can apply for a loan against their fixed or recurring deposit with the society, subject to the limits and terms set by the managing committee.
How is the EMI calculated?
EMI is calculated on a reducing-balance basis using the loan amount, the annual interest rate and the tenure in months. The calculator on this page gives an indicative figure; the actual EMI is confirmed in your loan sanction letter.
Where is Ekta Co-operative Credit Society located?
Our office is at Ground Floor, 2, Asha Niwas, Kisan Nagar No. 3, Road No. 22, Wagle Estate, Thane, Maharashtra 400604.
Ready to join Ekta Co-operative Credit Society?
Talk to our team today. We are happy to help you get started.
Contact Us
Enquire about deposits, loans or membership
Fill in the form and we will call you back, or reach us directly using the details below.
Phone
Office Address
Ground Floor, 2, Asha Niwas, Kisan Nagar No. 3, Road No. 22, Wagle Estate, Thane, Maharashtra 400604
Legal Entity
EKTA CO OPERATIVE CREDIT SOCIETY LTD, a registered co-operative society.
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