Our VisionTo build the organization professionally and make it a model co-operative.
Member FocusedService with purpose
About us
A legacy of trust
built with members since 2009.
Surabhi Souharda Credit Co-Operative Society Limited was established in 2009. Under the guidance of President Sri. K. Praveen Kumar and a team of eminent directors, the society has grown consistently and remained profitable every year except its first year.
Member-centric service and transparent operations
Consistent year-on-year financial growth
Employee skill development and professional learning
Our Co-operative Spirit“Each for all and all for each” — in letter and spirit.
Why Surabhi
Built on trust. Strengthened by experience.
Professional guidance, member welfare and responsible financial support are at the heart of the society.
Established Track Record
Serving members since 2009 with consistent financial growth and disciplined management.
Member-Centric Approach
Financial products and services structured around genuine member requirements.
Professional Management
Experienced leadership supported by trained personnel, systems and responsible processes.
Co-operative Commitment
Member welfare, education and community initiatives remain integral to our purpose.
Products & services
Financial solutions for real-life goals.
From secure deposits to practical loan support, our service mix is built to serve members at different stages of life and business.
01
Savings & Deposits
Savings and deposit options designed for different financial goals and tenures.
Read more
02
Business & Secured Loans
Structured credit facilities for eligible business and commercial requirements.
Read more
03
Loan Against Deposit
Access liquidity against eligible deposits without prematurely closing your deposit.
Read more
04
Housing / Construction Loan
Financial assistance for eligible members constructing or completing their homes.
Read more
Rates & member benefits
Current rates, easy to compare.
Rate snapshot effective from 17 July 2026. Please confirm current eligibility, documentation, terms and applicable conditions with the society before applying.
Deposit rates
Save with clear tenure-based returns.
Savings Deposit ROI
5.00%
p.a.
Deposit period
General
Senior
01 91 Days to 15 Months
6.00%
6.50%
02 16 Months to 38 Months
7.50%
8.00%
03 39 Months to 59 Months
8.50%
9.00%
04 60 Months and above
9.00%
9.50%
Interest payment: Monthly / Quarterly / Half Yearly / Yearly
Recurring deposit: ₹500 monthly for 1 year and above
Penal charge on pre-closure: 1% for the completed period
Loan rates
Flexible finance for practical member needs.
No pre-closure charges
Business & Secured Loans
Up to ₹2 Cr12.00%
₹2 Cr to ₹4 Cr13.00%
Above ₹4 Cr14.00%
Loan Against Deposit2% above Deposit ROI
Limit up to 80% of deposit.
Housing / Construction Loan11.00%
Vehicle Loan11.00%
Education Loan11.00%
Loan repayment period depends on the nature of the loan / advance.
Growth in numbers
Strong foundations. Clear ambition.
Financial progress measured at the close of the year ended 31 March 2026.
₹0 CrTotal Deposits
₹0 CrTotal Advances
₹0 CrAdvances Target
0Dedicated Staff
2009Established
Beyond finance
A co-operative that invests in people.
The society supports member welfare and employee development alongside its financial services.
Death Relief Fund₹10,000 support
Extended to bereaved families of deceased shareholders.
Medical Camp 2025–26
Medical camps were conducted at the head office and branch for the benefit of members.
Employee Skill Development
Eligible employees are encouraged to complete banking diploma courses with fee reimbursement and a special increment upon success.
Expansion Plan
The society plans to purchase a commercial property at Basaveshwaranagar to create a better place to serve members.
Member journey
Simple steps. Clear support.
A transparent path from your first enquiry to ongoing member assistance.
Join / Enquire
Connect with our team and understand relevant membership or service options.
Documentation
Submit applicable documents and details for the requested facility.
Verification
Details are reviewed under the society's applicable policies and procedures.
Approval
Eligible requests move forward with clear communication on the next steps.
Ongoing Support
Continue to receive member assistance from our team whenever required.
Member voices
Trusted relationships. Meaningful service.
Member-focused support is at the heart of how Surabhi serves its co-operative community.
★★★★★
Surabhi Souharda Credit Society has supported our family with a clear process and a helpful team whenever we needed guidance.
Ramesh H.Member
★★★★★
The team is approachable and transparent. I appreciate the society's continued focus on members and community welfare.
Sunitha M.Member
★★★★★
Professional guidance, responsive communication and a member-first approach make every interaction comfortable and straightforward.
Anand B.Member
★★★★★
A dependable local institution with a team that explains the process clearly and treats members with respect.
Meera K.Member
Governance & standards
Professional by design.
Co-operative by spirit.
Our operating philosophy focuses on transparent service, responsible support, member welfare and continuous learning.
Contact the societyTransparent Operations
Clear communication and responsible member service.
Member Welfare
Welfare initiatives designed to support the co-operative community.
Continuous Learning
Employee skill development through banking education.
Professional Management
Leadership focused on disciplined growth and service quality.
Frequently asked questions
Answers before your next step.
Need help with membership, deposits or loans? Start here, then speak with our team for current eligibility and terms.
Still have a question?Call 9742060295
Please contact the society or visit the office for the current membership requirements, application process and documentation checklist.
The society profile and brochure reference secured loans, loans on deposit, house construction loans, vehicle loans, overdraft facilities and education loans. Eligibility and terms apply.
Yes. The society offers savings and deposit options. Please contact the office for the latest interest rates, tenure options and applicable conditions.
The society extends a ₹10,000 death relief fund to bereaved families of deceased shareholders and has undertaken member welfare initiatives including medical camps.
No. 2, Surabhi Sahakari Sadana, 2nd Floor, 13th Cross, Attimabbe Road, C.T. Bed Extension, BSK 2nd Stage, Bengaluru - 560070.
Ready when you are
Let’s build your next financial milestone together.
Speak with our team about membership, savings, deposits or loan requirements.