Any resident of Karnataka (specifically Belgaum district and surrounding talukas like Kagawad, Chikodi, Raibag) who is at least 18 years old and has clean financial standing can apply for cooperative share membership. Application forms are available at all three branches.
You need standard KYC verification documents: 1) Aadhaar Card, 2) PAN Card, 3) Two passport-sized photographs, and 4) Address proof (like electricity bill or voter ID card) matching local branches.
You can start a Fixed Deposit (FD) with a minimum of ₹1,000 for standard tenures. For specialized schemes like the Lakhapati Deposit, monthly systematic installments start from just ₹850 per month.
Yes! Swasti Kuber offers an additional 0.50% interest rate across all Fixed Deposit tenures and MIS (Monthly Interest Scheme) plans for senior citizens (above 60 years old) and registered cooperative societies.
The Swasti Kuber Cash Certificate is a highly secure investment where your deposited principal is guaranteed to double in value over a term of exactly 90 Months / 7 Years and 6 Months. For example, a ₹50,000 investment matures to a guaranteed ₹1,00,000 payback.
Extremely fast! Our gold loans are computerized for instant purity checks. Swasti Kuber guarantees loan disbursement within 10 to 15 minutes of ornament evaluation with minimum paper documentation.
Under our standard loan scheme, Home Loans are offered at 12% p.a. interest under a 15-year EMI plan. New Vehicle Loans are at 12% interest, and old pre-owned vehicles under 5 years old are financed at a 13% rate of interest.
Yes! Swasti Kuber offers instant Deposit Loans up to 90% of your current FD valuation. The interest rate charged is exactly 2% higher than your current FD rate, and your original FD deposit continues to compound normally.
Yes, fully! We are a formally registered Souhard cooperative society under the Karnataka Souhard Sahakari Act (Reg No: DRL/RSR/SOUKA/6377/UOG/2022-23). Furthermore, we are formally ISO 9001:2015 Certified for high management quality assurance.
Yes. Swasti Kuber provides full computerized banking features, active transactional SMS banking notifications to your mobile, and instant RTGS / NEFT / IMPS electronic money transfers to any commercial bank in India.