Building financial security through disciplined savings, fair returns and affordable loans — for members across Delhi.
Dhan Sanchai Co-operative Thrift & Credit Society Ltd. is registered under the Delhi Co-operative Society Act, and has spent over two decades helping working families across Delhi build financial security — one deposit at a time.
We exist for our members, not shareholders. Every rupee saved with us works toward financial inclusion, safe savings and affordable credit, with complete transparency at every step.
Six reasons over 12,000 members trust Dhan Sanchai with their savings.
Your deposits are protected and managed under strict co-operative society regulations.
Registered and operating transparently under the Delhi Co-operative Society Act since 1998.
Emergency and regular loans at fair, fixed rates with a straightforward approval process.
Open your account in minutes with minimal documentation and friendly, in-person guidance.
Every entry, rate and charge is recorded clearly in your passbook — no hidden terms.
From deposits to loan disbursal, our branch teams keep turnaround times short.
Becoming a member is simple. Your opening contribution is split between share capital and your first compulsory deposit — both of which build your standing in the society.
Start Your MembershipEvery membership is built on three connected accounts, each serving a different purpose.
Your ownership stake in the society, contributed at membership and held for the duration of your account.
A fixed monthly commitment that steadily builds your savings discipline and your society standing.
Save flexibly, above and beyond your compulsory deposit, whenever you have extra to set aside.
A festive thank-you gift for every active member, every year.
Earn cash rewards every time you bring a new member to Dhan Sanchai.
Disciplined savings plans built to protect your family's future.
Twenty-seven years of transparent, community-first operations.
Branch staff who know you by name, not just an account number.
Fast answers and fast service when you need them most.
Refer one member who successfully opens an account, and earn ₹200 — with no cap on how many people you refer.
Start ReferringEarn ₹200 cash credited to your account.
Unlock a special milestone gift from the society.
Receive an upgraded appreciation gift and priority service.
Lock in a lump sum for a fixed term and earn a guaranteed, predictable return at maturity.
Enquire Now →Save a fixed amount every month and build a substantial corpus over time, with interest earned along the way.
Enquire Now →Deposit once and receive a steady monthly payout — ideal for members who want regular income.
Enquire Now →All loans carry a simple, fixed interest rate of 1.25% per month.
Open your account with ₹1,150
Build compulsory & optional deposits
Grow your balance year on year
Access affordable credit when needed
"Opening my account took fifteen minutes and the staff explained every rate clearly. No surprises, ever."
"My emergency loan came through in two days when I needed it most. This society genuinely looks out for us."
"I've referred five friends already — the rewards are real and my RD has grown steadily every year."
Any resident of Delhi aged 18 or above can apply for membership by visiting their nearest branch with basic identity and address proof.
Visit any of our 13 branches with your ID proof and the opening contribution of ₹1,150, which covers your share money and first compulsory deposit.
Share Money earns 9% p.a., Compulsory Deposit earns 8% p.a., and Optional Deposit earns 6% p.a., with different payout terms for each.
Active members can apply at their branch for an Emergency Loan (₹5,000–₹25,000) or a Regular Loan (₹25,001–₹3,00,000), both at 1.25% monthly interest.
Typically a photo ID, address proof and passport-size photographs. Loan applications may additionally require guarantor details as per society norms.