You can join by submitting the membership form at any branch, paying the share amount and membership fee, and fulfilling KYC requirements.
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Instant Banking, Instant Peace.
Godavari Souhardha
Empowering Your Financial Future
GOLD LOAN
ROI starts from 12.5%
TEACHER LOAN
ROI starts from 12.50%
MORTGAGE LOAN
ROI starts from 15%
SURITY LOAN
ROI starts from 15%
VEHICLE LOAN
ROI starts from 13%
HOUSING LOAN
ROI starts from 15%
OVERDRAFT LOAN
ROI starts from 15%
GOLD LOAN
Godavari Souhardha : Secure quick cash by pledging your gold jewellery. Enjoy fast approval, minimal paperwork, and transparent terms — with your gold kept safe until repayment.
Tenure: 1 year • Minimal Paperwork • ROI starts from 12.5%
Features of Gold Loan:
- Hassle-free loan processing & quick disbursal
- No guarantor or income proof needed
- Loan up to 75% of gold valuation
- Zero foreclosure or prepayment charges
Apply Now
Get Gold Loan
Rate of Interest: 12.5% | Processing Fee: ₹150 | Age: 18–70 years | Membership: ₹525
TEACHER LOAN
A special loan scheme for teachers to fulfil personal or professional needs — with quick approvals, transparent processing, and flexible tenure.
Tenure: 1 year • ROI starts from 12.5% • Easy processing
Features of Teacher Loan
- No collateral required
- 24-hour disbursal and quick eligibility check
- Flexible loan renewal every year
Apply for
Teacher Loan
Apply Now
Applicable for salaried teachers (Age: 18–60) | Membership ₹525 | Available at Kumta branch
MORTGAGE LOAN
Turn your property into opportunity. Avail higher loan limits with flexible tenure and quick processing — backed by transparent terms.
Tenure: Up to 3 years • ROI starts from 15%
Features of Mortgage Loan
- Loan up to 75% of property value
- High financing and easy renewals
- Flexible repayment options
Apply for
Mortgage Loan
Apply now
For salaried, self-employed, or business persons | Age 22–60 | Membership ₹525 + 5% share
SURITY LOAN
A flexible, multi-purpose loan backed by reliable guarantors. Get quick approvals, fair terms, and full freedom to use funds for any purpose.
Tenure: 1 year • ROI starts from 15% • Multi-purpose
Features of Surity Loan:
- No hidden charges or extra fees
- Reducing balance interest
- Quick loan processing and approval
Get Surity Loan
Apply NowDrive Your Dreams Today
VEHICLE LOAN
Own your dream two-wheeler or four-wheeler easily. Enjoy quick approval, simple documentation, and competitive rates for personal or commercial vehicles.
Tenure: 1 year • ROI starts from 13%
Features of Vehicle Loan
- Loan up to 60% of vehicle valuation
- Minimal paperwork & quick disbursal
- 2% prepayment penalty only if early closure
Apply for
Vehicle Loan
Apply Now
Processing fee: 1% | Age: 18–70 | Membership ₹525 + 5% share
HOUSING LOAN
Buy or build your dream home with easy housing finance options. Get high funding, quick processing, and flexible tenure with trusted service.
Tenure: Up to 5 years • ROI starts from 15%
Features of Housing Loan
- Finance up to 75% of property value
- Low interest & flexible repayment
- Fast documentation and renewal every year
Get Housing
Loan
Apply now
Age: 30–60 | Membership ₹525 + 5% share | Requires property documents & guarantors
OVERDRAFT LOAN
Short-term loan designed for flexible financial access. Use funds when needed and pay interest only on the amount you use.
Tenure: 1 year • ROI starts from 16%
Features of Overdraft Loan
- Renewed annually
- Free to use funds for any purpose
- No hidden charges or surprise fees
Apply for Overdraft
Apply NowAge: 18–55 | Requires two guarantors | Membership ₹525 + 5% share
Trusted Solutions
Empowering Financial Growth
Find the Perfect FD Option for Your Needs.
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Just a call away for your solution
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FIXED DEPOSIT
Secure Your Future with,
Stable Fixed Deposit Returns
Enjoy guaranteed returns up to 11% with complete flexibility. Godavari Fixed Deposit offers you the freedom to invest any amount, with no maximum limit and hassle-free premature withdrawals. Start your secure savings journey with a trusted co-operative partner committed to growing your wealth responsibly.
11%
Up to 11% annual interest rate
₹1000 Minimum deposit amount
90 days
Minimum deposit period
Start Your Fixed Deposit Today
Start Your Fixed Deposit Today
MONTHLY INCOME SCHEME (MIS)
Earn Monthly Income with
Flexible Investment Options
Our Monthly Income Scheme provides steady earnings with interest up to 11%. It’s the ideal option for those seeking regular income, flexibility, and security. Invest once and enjoy monthly payouts, with 0.5% extra ROI for senior citizens. Simple, safe, and transparent investment plan designed for peace of mind.
11%
Maximum rate of interest
Earn ₹917 monthly per ₹1 Lakh deposit
₹1 Lakh 1 Year
Minimum deposit period
Start Your Monthly Income Plan
DOUBLE INCOME SCHEME
Double Your Investment
with Godavari in 78 Months
Grow your money smartly — your investment doubles in just 78 months. For deposits above ₹10 lakhs, it doubles in 72 months! A perfect long-term plan with safety, transparency, and guaranteed growth from your trusted cooperative society.
78 Months
Money doubles in 6.5 years
₹1000 Minimum deposit amount
₹10 Lakh
Special benefit for deposits above ₹10 lakh
Start Your Double Income Journey
RECURRING DEPOSIT
Build a Secure Future with
Regular Monthly Savings
Turn small monthly deposits into a strong future fund. With flexible terms and up to 12% interest, Godavari Recurring Deposit makes disciplined saving simple and rewarding. Start with as little as ₹100 and watch your wealth grow steadily and securely.
12%
Maximum interest for long-term deposits
₹100 Minimum monthly deposit
12 Months
Minimum deposit tenure
Start Your Recurring Deposit
Savings Account
Flexibank is Protected, Your Savings Account.
Every pleasure is to be welcomed and every pain avoided duty or the obligations of business our power of choice is untrammelled and when nothing prevents.
3.2k
Live Savings Accounts
2.6% in lfy $2b
In Customer Savings
4.5% in lfy Digital Opening
Savings Account
Flexibank is Protected, Your Savings Account.
Every pleasure is to be welcomed and every pain avoided duty or the obligations of business our power of choice is untrammelled and when nothing prevents.
3.2k
Live Savings Accounts
2.6% in lfy $2b
In Customer Savings
4.5% in lfy Digital Opening
0%
Customer satisfaction
0Cr+
financial stability
2010
Year of establishment.
0
Branches across the region
Locker Facility
Secure Your Valuables Safely with Our Trusted Locker Facility
Enjoy peace of mind with Godavari Credit Souhardha’s secure locker services. Keep your jewellery, documents, and valuables protected with advanced security and easy access at select branches.
Your Safety, Our Priority — Lock It with Confidence! Pricing.
Key Features
Hassle-free access for members with minimal documentation.
24/7 monitored, high-security lockers available in multiple sizes.
Faq’s
Read Questions & Answers
Can't Find What You Need?
Submit Queries-
01How do I become a member of the society?
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02What deposit schemes are available and what are the interest rates?
We offer Fixed Deposit, Monthly Income Scheme (MIS), Double Income Scheme, Recurring Deposit — with competitive interest rates and flexible tenures.
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03What loans can I apply for and what are the eligibility criteria?
You can apply for gold loans, teacher loans, mortgage loans, security loans, vehicle loans, housing loans, and overdraft facilities. Eligibility varies by product (age, income, guarantor, etc.).
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04Can I access online services or digital banking with this society?
Yes, our branches are equipped with modern banking solutions to support transfers, payments and member-friendly digital services.
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05What safety measures are in place for my deposits and valuables?
Your deposits are handled with full compliance, and locker facilities (where available) offer high-security storage for valuables. We maintain transparency and robust internal controls.