Terms and conditions
Everything we ask you to agree to, in one place. When you open a deposit, take up shares or apply for a loan, you accept the version shown here on that day.
Our products and services
- Savings account terms
Opening and running a savings account with the Society: deposits, withdrawals, interest and closure.
Version 1, in force from 3 November 2026.Awaiting the Society’s legal review
- Fixed deposit terms
A single deposit placed for an agreed period at an agreed rate, and what happens at maturity or on early closure.
Version 1, in force from 3 November 2026.Awaiting the Society’s legal review
- Recurring deposit terms
A fixed monthly instalment for an agreed period, with interest paid on maturity.
Version 1, in force from 3 November 2026.Awaiting the Society’s legal review
- Membership and share terms
Becoming a member, holding shares, dividend, and leaving the Society.
Version 1, in force from 3 November 2026.Awaiting the Society’s legal review
- Loan terms
Applying for a loan through the Society, the stages a file passes, and your obligations as a borrower.
Version 1, in force from 3 November 2026.Awaiting the Society’s legal review
- Insurance referral terms
How the Society refers you to its insurer partners, and what it does not do.
Version 1, in force from 3 November 2026.Awaiting the Society’s legal review
Using our app and website
- Terms of use
The terms for using the Yashodhan app and this website.
Last updated 22 October 2026.
- Privacy policy
How Yashodhan Co-operative Credit Society Limited collects, uses, shares and protects your personal data in the Yashodhan app and on this website.
Last updated 22 October 2026.
Questions about any of these? Call or visit your branch.