Deposit
Deposit Schemes
1. Monthly Savings Scheme
Our Monthly Savings Scheme encourages financial inclusion and the habit of regular savings among individuals with limited income.
- Start saving with just Rs. 100 per month
- Earn a yearly interest of 3% on your savings
- Designed for daily wage earners, small vendors, agricultural workers, and artisan women
- Flexible withdrawal options after minimum duration (terms apply)
- Passbook and nomination facilities available
This scheme helps individuals build a financial cushion for emergencies, education, or small investments.
2. Fixed Deposit Scheme
The Fixed Deposit Scheme offers a safe and stable investment option for members who want higher returns over a longer period.
- Minimum deposit amount: Rs. 1,000
- Tenure: 1 year
- Interest: Attractive fixed rate (as per Society’s prevailing rate)
- Interest can be paid on maturity or at regular intervals (quarterly/yearly)
- Auto-renewal and premature withdrawal options available
The money deposited also contributes to community lending and micro-enterprise support, creating a cycle of mutual growth.
Loan Schemes
Vama Vishwa provides financial support through various loan offerings tailored to meet the needs of underserved individuals.
1. Micro Business Loan
To help members start or expand small-scale businesses such as tailoring, food vending, or handicrafts.
- Loan Amount: Rs. 5,000 to Rs. 50,000
- Easy EMI options and flexible repayment plans
- No collateral required (based on eligibility and group assurance)
- Focused on self-employed women and urban slum entrepreneurs
2. Education Loan
To support the educational aspirations of students from economically weaker sections.
- For school, college, or vocational training
- Low interest rate
- Repayment starts after course completion
- Empowering families to invest in their children’s future
3. Emergency and Medical Loan
Quick-disbursal loans to deal with sudden medical or family emergencies.
- Fast approval process
- Minimal documentation
- Affordable interest rates
Microfinance Initiatives
Microfinance is at the heart of our mission to promote sustainable economic development.
- Group-based lending model for financial accountability
- Capacity-building workshops for borrowers
- Savings-linked credit schemes
- Focus on encouraging income-generating activities in rural and semi-urban areas
- Financial literacy and digital training for new borrowers
Our microfinance model has helped hundreds of families become self-reliant and improve their living standards.
Women Empowerment Initiatives
Women are the backbone of our trust’s social development programs. We believe empowering a woman transforms a family and uplifts a community.
- Self-Help Groups (SHGs): We facilitate and support SHGs to promote savings, mutual lending, and collective entrepreneurship.
- Skill Development: Tailoring, embroidery, food processing, and handicrafts training to build employable skills.
- Micro Loans: Targeted loans for women-led enterprises with minimal interest and flexible repayment
- Leadership Training: Encouraging women to take leadership roles in their groups and communities
- Financial Literacy Camps: Helping women understand the basics of money management, savings, budgeting, and banking
We have proudly witnessed many women become successful entrepreneurs and community leaders through these initiatives.
Why Choose Vama Vishwa Co-operative Credit & Supply Society?
- Over 20 years of community-driven financial experience
- Transparent and ethical operations
- Personalized service in both urban and rural areas
- Trusted by hundreds of members across Gujarat
- Bridging the gap between informal and formal finance