Savings and loans, run by members, for members.
Unique Thrift & Credit Co-operative Society Ltd. helps members in Cachar District build savings discipline and access fast, transparent loans against their own deposits.
Deposit & Loan Products
A short list of products members use most. See full terms and interest rates on the Products & Services page.
Daily Deposit Scheme
A collection-based savings scheme built for daily savers — small, regular deposits that add up.
Best Rate
8.00% p.a. (24 mo)
Minimum
₹100 / day
Fixed & Recurring Deposits
12-month FD and RD schemes for lump-sum or monthly savers, with returns paid out at maturity.
FD Interest
6% at maturity
RD Range
₹1,000–10,000/mo
Loan Against Deposit
Borrow against your own accumulated deposit balance, available after 3 months of regular savings.
Interest
26% p.a. (reducing)
Turnaround
7 working days
Emergency Loan
Quick, short-term support for medical, household or education emergencies.
Loan Amount
₹10,000–20,000
Turnaround
3 working days
A co-operative built on trust and transparency
Member-first governance, regulatory compliance and local roots — here's what people across Cachar District rely on us for.
Member-Owned
Every member has a voice — one member, one vote in the General Body, and a share in the Society’s surplus.
Regulated Co-operative
Governed by the Assam Co-operative Societies Act, 2007 with statutory audit and Registrar oversight.
Local, Not Distant
Based in Silchar and serving the entire Cachar District — decisions made close to home.
Fully registered, independently audited and transparent by law.
- Registered under Assam Co-operative Societies Act, 2007
- GST Registered · 18AADAU7311E1ZM
- Reg. No. RCS/FCR/2025-01121
Meet the People Behind the Society
Elected and staff who manage the Society's day-to-day savings and loan operations.
How the Society is Funded
A member-owned institution — funded by our members, and safeguarded by regulatory oversight.
Admission Fees
A one-time ₹10 admission fee is collected from every member at enrolment.
Share Capital
Members build the Society’s owned funds at ₹100 per share.
Member Deposits
Savings, RD and FD deposits from members fund the loan book.
Institutional Borrowings
Loans from Government banks, availed as permitted under the Bye-laws.
Grants & Donations
Where received, applied strictly toward our registered objectives.
Frequently Asked Questions
Quick answers to what members ask us most. Visit the full FAQ page for more.
Visit Our Branch
Stop by our Silchar branch to open an account, apply for a loan, or just ask a question — no appointment needed during business hours.
Chinchoorie Road, Benimadhab Lane, New Bhakatpur Part-VIII, P.O. Bhakatpur, Silchar, Cachar, Assam – 788005, India
Mon – Sat, 9:30 AM – 5:30 PM