Welcome to
Your Confidence is Our Asset — Empowering Lives Through Trust, Growth, and Service.
About Us
Learn more about our journey, values, and the commitment that drives us to serve you better every day
Dedicated to Trust, Growth, and Financial Service Since 1999
Shri Shradha Credit Souhard Sahakari Sangh Niyamit, Nipani, has been a pillar of financial trust since its establishment in 1999. With over two decades of experience, we proudly serve thousands of members through multiple branches across Karnataka, staying committed to cooperative banking values and rural development & Financial support
We believe in inclusive banking that uplifts every individual, business, and farmer by offering accessible, secure, and innovative financial solutions.
- Formally Registered under the Karnataka State Co-Operative Act 1995 & Connected in 2003
- Started with a modest capital and now operates 13+ branches across the region with CBS(Core Banking System).
- Offers a range of services including fixed deposits, loan schemes,banking operations.
- Driven by a transparent management committee and guided by dedicated leadership with deep community ties.
Our mission is to foster economic well-being among individuals by providing reliable, cooperative banking services. Through personalized support and modern facilities, we strive to strengthen financial literacy, empower self-employment, and ensure stability for every member.
Yearly Targets
New Members Targeted registrations this year
Deposits Secure and flexible savings options for all.
Loans Accessible loans for every need.
New Branches Expanding reach to rural areas.
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We Achieved
Deposits
Fixed Deposits
- For 12 Months - 9%
- For 15 Months - 9.5%
- For 25 Months - 10%
Short Term Deposits
- For 30 days - 6.5%
- For 46 days - 7.0%
- For 91 days - 8.0%
- For 181 days - 8.5%
Rate of Interest on Loan
- Monthly - 12% PA
- Quarterly - 13% PA
- Half Yearly -14% PA
- For Yearly - 15% PA
Our Services
Explore the wide range of financial services we offer to support your goals and secure your future.
E Stamping Facility
We provide a convenient E-Stamping facility for secure and legally compliant documentation. Eliminate the risk of fake stamp papers with a digitally authenticated solution that saves your time and ensures accuracy in legal transactions.
SMS Facility
Stay informed with our real-time SMS alert service. Get instant notifications on your account activity, transactions, and updates—right at your fingertips. This service helps you stay in control of your finances with added convenience and security.
NEFT / RTGS System
Our NEFT and RTGS services offer seamless, secure, and fast fund transfers across banks in India. Whether it's small payments or large transactions, our reliable banking infrastructure ensures your money reaches the destination quickly and safely.
QR Scan Facility
Make payments smarter and faster with our QR Scan Facility. With just a simple scan, you can transfer money instantly and securely, reducing the need for cash handling and enhancing your digital payment experience.
BIO Metric System
We ensure maximum security and accuracy with our Biometric System. This advanced technology enables customer identification through fingerprints, reducing fraud and simplifying the verification process for various banking services.
CCTV
Your safety is our priority. Our branches are equipped with high-definition CCTV surveillance systems to ensure a secure banking environment. This provides peace of mind for both staff and customers by monitoring activity 24/7.
Our Branches
Discover our growing network of branches committed to serving communities across the region.
Frequently Asked Questions
Have questions? We've compiled answers to the most commonly asked queries to help you understand our services better. Whether you're curious about loans, deposits, or account features — our FAQ section is here to guide you.
1. What types of loans are offered by Shri Shradha Bank?
We offer various loan services including Personal Surety Loans, Fixed Deposit Security Loans, and business support loans with flexible repayment options and minimal documentation.
2. Can I apply for a loan without property collateral?
Yes. Our Personal Surety Loan allows members to apply using a guarantor instead of property, making borrowing accessible to more individuals.
3. Is there a biometric system in place for member security?
Absolutely. We use a biometric system for identity verification to ensure secure and hassle-free banking for all our members.
4. Where is your main branch located and since when is it operational?
Our main branch is located at Nipani, Kothiwale Corner, and has been serving customers since 1999.
5. Do you offer digital banking features like QR scanning and SMS alerts?
Yes, we offer QR scan facilities for fast payments, and SMS alerts to keep you updated on your transactions and account activity.
Contact
We’re here to help — reach out to us for any support, inquiries, or banking assistance.
Address
1266-67 ,Kothiwale Corner, DalaPeth, Nipani,Karnataka
Call Us
Email Us
Open Hours:
Mon-Sat: 10AM - 5PM