Registered under Delhi Govt. Cooperative Act, 2003

Empowering Your
Financial Future With Trust

Welcome to Baba Sai Kripa Co-operative (Urban) Thrift & Credit Society Limited. A secure, mutually beneficial financial ecosystem encouraging savings habits and extending smooth credits to build a prosperous tomorrow.

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0% Market Risk
100% Secure Assets
0% Tax Deduction
100% Your Controlled
PM Pension Overview
🌟 Featured Welfare Plan

PM Pension Yojana

Secure your future with a planned approach to retirement savings. Baba Sai Kripa Society's PM Pension Yojana is designed to help members build financial security and enjoy greater peace of mind during their retirement years.

Choose Your Plan

PLAN A
₹2,000
Monthly · 11 Years
PLAN B
₹6,000
Monthly · 5 Years
Proposed Monthly Pension
₹5,000/-
Plus
4,00,000/-
on Policy Surrender, Subject to approved scheme terms and eligibility.
Enquire About Pension Plan
Safe & Secure

Payment Options

Make your deposits and EMI payments securely through our official banking channels or register for automated ECS mandates.

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Official Bank Details

Transfer funds directly to the society's official current account via NEFT / RTGS / IMPS.

Bank Name: ICICI Bank Ltd
Account Name: Baba Sai Kripa Co-op.(U) T&C Society Ltd.
Account No: 072105002049
IFSC Code: ICIC0000721
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Register ECS Mandate

Never miss a payment. Automate your monthly RD, SIP, or Loan EMIs by registering an e-NACH mandate directly with us.

  • ✓ 100% automated & secure
  • ✓ Avoid late payment penalties
  • ✓ Zero transaction charges
Register for ECS
Who We Are

About Baba Sai Kripa

Welcome to the Baba Sai Kripa Co-Operative (U) T&C Society Ltd. (Regd. no. 10723) – a trusted cooperative society dedicated to empowering our members through accessible financial services.

Our mission is to promote saving habits, provide affordable loans, and uplift the socio-economic well-being of our community. With a focus on transparency, integrity, and innovation, we offer a range of financial products such as Fixed Deposits, Recurring Deposits, Savings Accounts, and Loans, all designed to meet the diverse needs of our members.

Join us today and experience a better financial future with Baba Sai Kripa Co-op. Society – where trust and community growth come first.

Amazing Things About Us

At Baba Sai Kripa, we are dedicated to empowering our members and transforming lives. Here’s what makes us stand out:

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High Returns

Secure savings with some of the best interest rates in the industry.

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Easy Loans

Hassle-free loans at low-interest rates, even for lower CIBIL scores.

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Transparency

Complete clarity and trust in all our processes.

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Member-Centric

Tailored financial solutions designed for your success.

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Friendly Support

Professional and approachable staff always ready to assist.

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Community Growth

Expanding branches to serve you better.

Join us and grow with a society that truly cares!

Office space

Shri N.K. Gautam

Vice-President
"Co-operative spirit is the key to collective socio-economic empowerment. At Baba Sai Kripa, our primary goal is to guide every member on a secure pathway to consistent savings, financial confidence, and flexible credit. We look forward to welcoming you into our family and building a stable tomorrow, together."
N.K. Gautam Vice-President, BSK Society Ltd.
OUR PEOPLE

Experience. Trust. Commitment.

Meet the people who bring together years of experience in cooperative society management, banking, finance, law, business and member service.

Meenakshi

Meenakshi

President

7+ Years Experience | Social Leadership
Expert in community welfare and responsible cooperative leadership.

Advocate N.K.Gautam

Advocate N.K.Gautam

Vice President

18+ Years Experience | Advocate & Businessman
Combines deep legal expertise with extensive knowledge of cooperative operations.

Sanjeev Kumar Rawat

Sanjeev Kumar Rawat

Secretary

Sales Professional | Administration
Expert in member coordination, communication, and seamless day-to-day operations.

Nitin

Nitin

Treasurer

15+ Years Experience | Banking & Finance
Former Area Head (SBI) bringing robust expertise in financial planning and administration.

MeghMala

MeghMala

MC Member

3+ Years Experience | Advocate & Accounts
Provides essential legal, accounting, and administrative support to the society.

Dheeraj Kumar

Dheeraj Kumar

Manager

8+ Years Experience | Wealth Planning
Specializes in savings planning, precise accounting, and strategic financial management.

Anuj Kumar

Anuj Kumar

Office Clerk

2+ Years Experience | Office Administration
Manages critical documentation, clerical tasks, and dedicated member services.

Rajan Yadav

Rajan Yadav

Legal & Recovery Team

Legal & Recovery Specialist
Handles legal coordination, vital documentation, and efficient recovery operations.

Advocate Dil Nawaz Khan

Advocate Dil Nawaz Khan

Legal & Recovery Team

Legal Expert
Specializes in legal coordination, case documentation, and dedicated recovery support.

Advocate Nitish Kumar Ranjan

Advocate Nitish Kumar Ranjan

Legal & Recovery Team

Legal Expert
Manages strategic recovery operations, documentation, and member case resolutions.

Grow Your Savings

Investment Options

Earn exceptionally high interest rates with absolute security and zero market risks.

Savings Account

Savings Account / Optional Deposit

Develop a robust daily thrift habit while securing liquidity and attractive annual interest rates.

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Our Savings Account is designed for cooperative members to easily park their liquid money, earn competitive daily-accrued interest, and enjoy instant withdrawals with no complex banking protocols.

  • Interest calculated yearly, payout yearly.
  • No hidden account maintenance fees.
  • Easy deposits via bank transfer, ECS, or at our office.
  • Direct linkage to prompt credit applications.
Interest Rate6.00% p.a.
Minimum BalanceNone*
EligibilityActive Members Only
TDS DeductionExempt / No TDS
Open Account Now
Fixed Deposit

High-Yield Fixed Deposits (FD)

Watch your idle funds grow at highly accelerated compounding rates, much higher than conventional commercial banks.

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Invest a lump-sum amount for a predefined period and watch it grow exponentially under a robust, legally structured co-operative ecosystem. Completely risk-free and backed by solid cooperative reserves.

  • Simple interest calculation.
  • Flexible terms starting from 1 Year up to 5 Years.
  • Premature allowed @ minimal deduction of 1% only.
  • Low-interest Secured Loans available against the FD without breaking it.
1 Year Tenure11.00% p.a.
2 Years Tenure11.50% p.a.
3 Years Tenure12.00% p.a.
Calculate FD
Recurring Deposit

Recurring Deposit (RD)

Set aside a fixed amount every month to accumulate a large financial cushion for future milestones.

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Recurring Deposits are highly beneficial for salaried and self-employed members who want to deposit small fixed sums monthly. It inculcates robust saving discipline and matures into a handsome lump sum.

  • Perfect for monthly budgets (deposits start from ₹500/month).
  • High interest rates matched with fixed deposit returns.
  • Auto-debit (ECS) facility makes monthly savings absolutely automated.
  • Premature closure options available with minimal administrative fees.
1 Year RD ROI9.00% p.a.
2 Years RD ROI10.00% p.a.
3 Years RD ROI11.00% p.a.
4 Years RD ROI12.00% p.a.
Min Monthly Deposit₹500/-
Calculate RD
Dhan Varsha Yojana

Dhan Varsha Yojana

A massive wealth creation scheme designed to exponentially multiply your principal amount over fixed milestones.

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Dhan Varsha Yojana is an incredible growth-focused plan offering exceptional guaranteed returns at specific tenure milestones. Let your money multiply significantly in a completely secure cooperative ecosystem.

  • 5.5 Years: (2X) Do Guna.
  • 9.0 Years: (3X) Teen Guna.
  • 13 Years  :(5X) Paanch Guna.
  • 19 Years  : (10X) Dus Guna.
  • 24 Years : (20X) Bees Guna.
Calculate Dhan Varsha
Monthly Income Scheme

Monthly Income Scheme

Save today. Enjoy a regular monthly income tomorrow.

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Baba Sai Kripa Society’s Monthly Income Scheme is designed for members who wish to earn a regular monthly income from their savings. It provides an organized way to invest a lump-sum amount and receive periodic income, helping members manage their recurring financial needs with greater convenience.

  • Lump-sum deposit with regular monthly income
  • Convenient monthly payout
  • Planned and disciplined savings option
  • Simple and member-friendly process
2 Years Tenure10.00% p.a.
4 Years Tenure12.00% p.a.
6 Years Tenure14.00% p.a.
Calculate MIS
PM Pension Yojana

PM Pension Yojana

Plan today for a financially secure tomorrow. A member-centric pension scheme for a confident retirement.

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Secure your future with a planned approach to retirement savings. PM Pension Yojana is designed to provide you with regular income and additional benefits for a confident retirement. Choose Plan A or B to Invest.

PLAN A (11 Years)₹2,000 / Month
PLAN B (5 Years)₹6,000 / Month
Monthly Pension₹5,000/-
Surrender Benefit₹4,00,000/-
Enquire About Pension Plan
Kanya Vikas Yojana

Bal Vikas Yojana

A specialized savings welfare plan for minor boys to secure higher education or seed capital for future businesses.

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By consistently contributing a tiny amount of ₹1,000 monthly for only 6 years, you secure a highly amplified, guaranteed maturity payout of ₹5,00,000/- upon completion of the 18th year of the policy.

  • Short Contribution Period: You pay only for the first 6 years!
  • Pre-Maturity Benefits: Flexible premature closure terms.
  • 100% Secure & Tax-Free: Legally guaranteed (no TDS).
Monthly Deposit₹1,000/- (Min)
Payment Duration6 Years (72 Months)
Maturity Period18 Years
Maturity Payout₹5,00,000/-
Calculate Bal Vikas
Kanya Vikas Yojana

Kanya Vikas Yojana

A premier welfare program for minor daughters, securing a massive financial asset for higher studies or wedding expenses.

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Provide your daughter with a solid financial foundation. Contributing ₹1,100 monthly for just 5.5 years (66 Months) yields a guaranteed payout of ₹5,00,000/- upon completion of the 18th year of the policy.

  • Brief Payment Term: Contributions are needed for only 5.5 years.
  • Pre-Maturity Benefits: Flexible premature closure terms.
  • 100% Secure & Zero TDS: Maximum returns with zero market risks.
Monthly Deposit₹1,100/- (Min)
Payment Duration5.5 Years (66 Months)
Maturity Period18 Years
Maturity Payout₹5,00,000/-
Calculate Kanya Vikas
Instant Financial Aid

Loan Offerings

Get hassle-free, cooperative loans with highly competitive rates on a reducing balance model.

Emergency Funds
⚡ Instant Approval

Emergency Loan

Up to ₹20,000/-

Designed to cover sudden, unforeseen medical bills, household emergencies, or urgent school fees with minimal documentation.

Interest Rate16.2% p.a. (Reducing)
Monthly Rate1.35% per month
Max Tenure12 Months
Mandatory Requirements:
  • 1 Surety (Active cooperative member)
  • Minimum ₹5,000/- Share Money and CD account
  • Photo ID, Address Proof (Electricity/Water bill compulsory)
  • Mandatory ECS Auto-Debit registration
Calculate Emergency Loan
Regular Loan
🏢 Major Credit Line

Regular Loan

Up to ₹3,00,000/-

Empower your dreams—use this credit line for business expansion, home renovations, vehicle purchase, or wedding expenses.

Interest Rate16.2% p.a. (Reducing)
Monthly Rate1.35% per month
Max Tenure36 Months
Mandatory Requirements:
  • Income Proof (Last 3 years ITR, Salary Slips, or Affidavit)
  • Sureties as required based on quantum
  • Minimum Share Money & Compulsory Deposit backing
  • Auto debit registration (ECS Mandate) & KYC
Calculate Monthly EMI
Secured Loan
🔒 Lowest Interest

Secured Loan

Up to 90% of Deposits

Keep your high-yield FDs/RDs growing and take an instant loan against them. Get quick cash without losing maturity benefits.

Interest RateDeposit ROI + 2% p.a.
Processing TimeWithin 24 Hours
Surety RequiredNone (Self-Backed)
Mandatory Requirements:
  • Active Fixed Deposit or Recurring Deposit receipt
  • Simple signed application form
  • Zero guarantor required
  • Repayment schedule mapped directly to deposit maturity
Calculate Secured Loan
Plan Ahead

Interactive Financial Tools

Dynamically calculate your investment returns or monthly loan EMI payments instantly.

Principal Deposit Amount ₹50,000
₹5,000₹10,00,000
Investment Duration (Tenure) 3 Years
1 Year10 Years
Annual Interest Rate (ROI) 9.50%
9%12%
Total Deposited: ₹50,000
Interest Accrued: ₹16,423
Maturity Payout: ₹66,423
*Estimated Projection (± ₹5)
💡 Financial Projection Info

Fixed Deposit gains are computed on a quarterly compounding formula. Interest rate is legally guaranteed by cooperative policies with zero market fluctuations.

Required Loan Amount ₹1,00,000
₹10,000₹3,00,000
Repayment Tenure 24 Months
6 Months60 Months
Interest Rate (Reducing Balance) 16.20% p.a. (1.35% p.m.)

EMI is rounded up to the nearest ₹100. Final installment will adjust to clear exact dues. ₹200 monthly Compulsory Deposit (C.D.) is added to your EMI.

Monthly EMI ₹2,500 48 Months
Principal Borrowed: ₹1,00,000
Total Interest Cost: ₹17,792
Total C.D. Saved: ₹9,600
Total Amount Payable: ₹1,17,792
Instant Access

Official Forms & Downloads

Download official applications, policies, and guidelines directly in PDF format.

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Membership Application Form

Apply to become an active shareholder member of Baba Sai Kripa Society. Includes shares ledger and CD registration columns.

Download Membership Form (PDF)
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Loan Request Form 2025

Standardized loan application layout for Regular and Emergency Loans. Features spaces for surety declarations and ECS columns.

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Details Modification KYC Form

Form to update your officially registered residential address, active mobile number, bank account details, or nominee information.

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ECS / NACH Debit Mandate Form

Auto-debit mandate required to automate your monthly Recurring Deposits or Loan EMI payments straight from your savings bank.

Voices of Trust

What Our Members Say

⭐⭐⭐⭐⭐

"Enrolling in the Bal Vikas Yojana has been a reassuring step for my child's future. The transparent process and consistent returns make Baba Sai Kripa Society a highly dependable financial partner."

Manisha Devi Delhi Member
⭐⭐⭐⭐⭐

"The efficiency of their loan processing is commendable. During an urgent financial requirement, the society facilitated the funds swiftly, bypassing the cumbersome procedures typical of traditional banking."

Durgesh Kumar Business Owner
⭐⭐⭐⭐⭐

"The Dhan Varsha scheme has been a game-changer for my long-term savings. The flexibility to choose tenures up to 24 years helped me perfectly align my investments with my future financial goals."

Amit Kumar Salaried Professional
Resolve Doubts

Frequently Asked Questions

Any permanent resident of the National Capital Territory (NCT) of Delhi who satisfies the age criteria, is of sound mind, and agrees to the mutual saving bylaws can apply for society membership by submitting official proof documents, and purchasing society shares.

Absolutely. The society operates under strict rules formulated by the Delhi Cooperative Societies Act, 2003. We hold robust asset allocations, invest strictly in non-volatile securities under state guidance, and are subjected to regular governmental audits to guarantee absolute capital preservation.

The Dhan Varsha Yojana is a premium wealth-multiplication scheme. With a minimal entry amount of ₹5,000/-, members can invest for flexible tenures ranging from 5.5 years up to 24 years. It is specifically structured to help you build substantial long-term wealth securely without any market risks.

No. Under current Income Tax guidelines, co-operative thrift and credit societies are exempted from deducting TDS on the interest earned on deposits made by their active members. This maximizes your end-to-end maturity values.

All members are strongly requested to maintain sufficient balances in their linked bank accounts for the monthly ECS auto-debit on scheduled dates. Defaulters will be charged bank return penalties and a compounding overdue charge, and the registered sureties will be held liable under society bylaws.

Get in Touch

Contact & Helpdesk

Have queries, or ready to become a member? Send us a message or visit our head office.

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Head Office Address

Baba Sai Kripa Co-operative (Urban) Thrift & Credit Society Ltd.
Regd. Office, Delhi, India

View on Google Maps →
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Direct Helpdesk

Phone: 011-42705999

WhatsApp: +91 8448334245

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Official Email

mailsaikripa.cr@gmail.com

Expect a response within 24 hours.

Send Inquiry / Membership Request