Chandra Laxmi Co-operative Urban Credit & Thrift Society Limited
Your Dreams Our Support
Building a Foundation of Trust & Inclusion
Chandra Laxmi Co-Operative Urban Credit & Thrift Society Limited is a member-driven cooperative institution established with the vision of promoting financial inclusion, secure savings, and accessible credit solutions for individuals, families, and small businesses in urban and semi-urban areas. Registered under the Uttar Pradesh Co-Operative Societies Act, 1965, the society operates on the core principles of trust, transparency, mutual growth, and responsible financial management. The society is committed to empowering its members by encouraging disciplined savings habits and providing timely, need-based credit support.
Our Main Objective
To promote thrift and savings among members and provide credit facilities for personal, professional, and business needs while operating on cooperative principles of mutual help, transparency, and financial discipline.
Our Vision
To become a trusted urban cooperative financial institution that strengthens the economic well-being of its members through sustainable and ethical financial services.
Our Mission
To deliver secure, accessible, and member-focused credit and thrift solutions while upholding cooperative values and regulatory integrity.
Core Objectives
Encourage systematic savings and financial discipline among members
Provide affordable credit facilities for personal, business, and emergency needs
Support self-employment, MSMEs, and small entrepreneurs
Promote cooperative values through member participation and ethical governance
Our Journey
Foundation 2018
Founded with the vision of promoting financial inclusion through cooperative principles, Chandra Laxmi Co-operative Urban Credit & Thrift Society Limited was registered in 2018 under the Uttar Pradesh Co-Operative Societies Act, 1965. The society was established by a group of committed individuals aiming to encourage disciplined savings and provide accessible, need-based credit to members. Since inception, it has focused on transparent governance, regulatory compliance, and member-centric services.
Foundation 2018
Founded with the vision of promoting financial inclusion through cooperative principles, Chandra Laxmi Co-operative Urban Credit & Thrift Society Limited was registered in 2018 under the Uttar Pradesh Co-Operative Societies Act, 1965. The society was established by a group of committed individuals aiming to encourage disciplined savings and provide accessible, need-based credit to members. Since inception, it has focused on transparent governance, regulatory compliance, and member-centric services.
Steady Growth
Over the years, the society has steadily expanded its membership base and diversified its thrift and credit offerings while maintaining cooperative values and responsible financial management.
Community Impact
The society has supported small entrepreneurs, strengthened household financial security, and contributed positively to community-level economic development.
Community Impact
The society has supported small entrepreneurs, strengthened household financial security, and contributed positively to community-level economic development.
Our Services
Savings Accounts
A secure savings facility designed to encourage regular deposits and financial discipline among members. Offers safe custody of funds with easy access as per society rules.
Fixed Deposit
A term deposit scheme that provides assured returns over a fixed period. Ideal for members seeking safe and stable growth of their surplus funds.
Recurring Deposit
A disciplined savings scheme allowing members to deposit small amounts monthly and accumulate funds over time. Suitable for future goals such as education, housing, or emergencies.
Emergency Loan
Quick-access financial assistance during medical, educational, or unforeseen emergencies. Ensures timely support without excessive procedural delays.
Loan Facilities
Need-based loan facility offered to members for personal or family requirements at cooperative interest rates. Processed with transparency and member welfare in mind.
Other Member Benefits
Membership enables access to all thrift and credit facilities along with participation in the cooperative’s governance. Members benefit from democratic control and shared growth.
Governance & Policies
Management
Democratically managed by an elected Board
Audit
Regular statutory audits and compliance reporting
Policies
Transparent accounting and member-centric policies
Instructions for Clients
All clients must be registered members of the society to avail its services. Members must submit valid identity and address proof, complete KYC formalities, and comply with society rules. Timely payment of deposits and loan installments is mandatory. Members should read all terms and conditions before availing any facility.
What Members Say
"When I needed a small loan at the right time, Chandra Laxmi Society supported me without delay or unnecessary formalities. Their transparent process helped me stabilize my business and grow with confidence."
Small Trader & Long-standing Member
"Through regular savings and guidance from the society, our family was able to plan and save systematically. Today, we feel financially secure and more confident about our future."
Member Family
"Unlike private lenders, this society works with trust and understanding. The cooperative approach and ethical practices truly make members feel valued, not just like customers."
Self-Employed Member