Welcome to Pcs Cooperative Thrift And Credit Society Limited. By accessing our website and using our financial products and services, you agree to comply with and be bound by the following Terms & Conditions. Please read them carefully before using our services.

Membership Eligibility

Membership and financial services are subject to the rules and regulations of Pcs Cooperative Thrift And Credit Society Limited and applicable cooperative laws.

• Applicants must provide valid identity and address proof.
• All information submitted must be accurate and complete.
• The society reserves the right to approve or reject any application.

Deposit Services

The following deposit services are offered subject to specific scheme rules:

• Recurring Deposit (RD)
• Fixed Deposit (FD)
• Saving Account

• Interest rates are subject to change as per society policy.
• Premature withdrawals may attract penalties.
• Maturity proceeds will be processed as per agreed terms.

Loan Products

Loan facilities are provided subject to eligibility, documentation, and approval:

• Home Loan
• LAP Loan (Loan Against Property)
• Gold Loan
• Business Loan
• Vehicle Loan
• Personal Loan
• Study (Education) Loan
• Daily Base Loan

• Loan approval is at the sole discretion of the society.
• Interest rates and repayment schedules will be clearly communicated in the loan agreement.
• Late payments may attract penalties or legal action.
• Collateral/security may be required depending on the loan type.

Interest Rates & Charges

All applicable interest rates, processing fees, penalties, and other charges will be disclosed at the time of service enrollment. The society reserves the right to revise rates and charges as per internal policy and regulatory guidelines.

User Responsibilities

• Provide accurate and up-to-date information.
• Maintain confidentiality of account credentials.
• Ensure timely repayment of loans and dues.
• Comply with society rules and applicable laws.

Default & Recovery

In case of default in loan repayment, Pcs Cooperative Thrift And Credit Society Limited reserves the right to initiate recovery proceedings, including legal action and liquidation of pledged assets, as per applicable laws.

Limitation of Liability

The society shall not be liable for any indirect, incidental, or consequential damages arising from the use of its services, except as required by law.

Amendments

Pcs Cooperative Thrift And Credit Society Limited reserves the right to modify these Terms & Conditions at any time. Updated terms will be published on the official website.

Governing Law

These Terms & Conditions shall be governed by and interpreted in accordance with the applicable Cooperative Societies Act and laws of India.

Contact Information

For any queries regarding these Terms & Conditions, please contact Pcs Cooperative Thrift And Credit Society Limited through official communication channels.