Member-owned ● Community-focused

Safe, Simple & Member-First Credit Co-operative

Aavam Credit Multi-State Credit Co-operative Society Ltd.
headquartered in Banswara, Rajasthan, works to promote regular savings, responsible credit and financial well-being for its members across multiple states.

*All products & services are offered subject to applicable co-operative laws, bye-laws and eligibility criteria.

About Aavam Credit

Aavam Credit aims to empower individuals, small businesses and communities by giving them access to structured saving and credit facilities under the multi-state co-operative framework.

We operate as a member-centric institution – every account holder is a part of the Society, not just a customer. Our focus is on building long-term relationships based on financial discipline, transparency and mutual growth.

  • Encouraging regular savings and disciplined financial habits.
  • Providing need-based credit for personal, business and livelihood requirements.
  • Offering deposit options with attractive returns, aligned with Society policy.
  • Ensuring operations in line with applicable multi-state co-operative regulations.
Our Promise to Members

We strive to:

  • Handle your money with care, prudence and documented processes.
  • Communicate interest rates, charges and terms in a clear, simple manner.
  • Promote financial inclusion in semi-urban and rural areas.
  • Continuously strengthen our governance, technology and service quality.

Products Offered

Aavam Credit offers a range of deposit and loan products. Details, interest rates and eligibility will be as per Society policy and may be revised from time to time.

Deposit Products

Deposit

Daily Deposit Scheme

A convenient scheme where members can save small amounts daily and build a sizeable corpus over time.

  • Ideal for small traders, shopkeepers and daily income earners.
  • Collection through authorised agent / branch (as per Society model).
  • Tenure and maturity benefits as per scheme guidelines.
Deposit

Recurring Deposit

Save a fixed amount every month and plan for future goals like education, marriage or home improvement.

  • Fixed monthly instalments.
  • Flexible tenure options as per Society policy.
  • Attractive maturity value for disciplined savers.
Deposit

Fixed Deposit

Park surplus funds for a fixed period and earn returns at prevailing Society rates.

  • Short, medium and long-term tenures.
  • Interest payout / cumulative options as per product design.
  • Can be considered for loan against deposit (subject to policy).
Deposit

Monthly Interest Scheme

A fixed deposit variant for members who prefer regular monthly interest payouts.

  • Suitable for pensioners, homemakers and those seeking regular income.
  • Interest credited / paid monthly as per process.
  • Principal repaid on maturity.
Deposit

Saving Deposit

A basic savings account facility to promote regular savings among members.

  • Maintain minimum balance as per Society rules.
  • Easy deposits and withdrawals at branch.
  • Passbook / statement facility based on branch setup.

Loan Products

Loan

Personal Loan

Need-based loans for eligible members to meet genuine personal, family or emergency requirements.

  • Amount and tenure as per eligibility and policy.
  • EMI / repayment schedule structured for member convenience.
  • Subject to income assessment and documentation.
Loan

Loan Against Deposits

Avail a loan facility by offering your fixed / term deposits with the Society as security.

  • Quick processing for eligible members.
  • Loan limit linked to deposit value as per policy.
  • Deposit continues to earn interest as per scheme rules.
Loan

Business Loan

Support for small and micro businesses, traders and professionals to meet working capital or expansion needs.

  • Structured for small and local enterprises.
  • Repayment plan aligned with business cash flows.
  • Subject to assessment, documentation and Society guidelines.

Become a Member

As a multi-state credit co-operative society, our services are primarily for our members. Joining Aavam Credit is simple and guided at every step by our staff.

Typical Membership Process

  • Visit the nearest Aavam Credit branch or authorised centre.
  • Fill in the membership application / share application form.
  • Submit KYC documents (ID proof, address proof, photos, etc. as required).
  • Pay the prescribed share capital / admission fee as per Society policy.
  • Upon approval, receive your membership number and start using Society services.
Eligibility & Documentation
  • Resident within the serviceable area as defined by the Society.
  • Valid KYC documents as per current guidelines.
  • Acceptance of Society’s bye-laws and policies.

For detailed information on membership schemes, share capital and current documentation requirements, please contact the Aavam Credit head office or your nearest branch.

Head Office & Service Areas

Aavam Credit is headquartered in Banswara, Rajasthan and aims to serve members across multiple states through a growing branch and associate network.

Head Office – Banswara

Aavam Credit Multi-State Credit Co-operative Society Ltd.

C8, Char Bhuja Tower,
Chetak Complex, Dahod Road,
Banswara, Rajasthan, India

Phone: 02962-254070
Email: Aavamcredit@gmail.com

Branch & Expansion Plans

Aavam Credit plans to gradually increase its presence through branches and service centres as per approvals and Society strategy.

  • Focused initially on Rajasthan and neighbouring regions.
  • Priority to semi-urban and rural financial inclusion.
  • Service to members through physical touchpoints and assisted channels.

Disclaimer: The above information is indicative and for general understanding only. Exact branch locations, operational areas and offerings will be as per approvals, registrations and Society decisions from time to time.

News & Events

Stay updated with the latest happenings and announcements.

Declration of Election of Chairman And Vice Chairman

📅 19 Mar 2026

Declration of Election of Chairman And Vice Chairman

📎 View PDF Document

List of Nomination for the Election of Chairman And Vice Chairman

📅 10 Mar 2026

List of Nomination for the Election of Chairman And Vice Chairman

📎 View PDF Document

List of Nomination Received for the Election of Chairman And Vice Chairman

📅 09 Mar 2026

List of Nomination Received for the Election of Chairman And Vice Chairman

📎 View PDF Document

Declration of Election of Members of Board of Directors

📅 26 Feb 2026

Declration of Election of Members of Board of Directors

📎 View PDF Document

Notice for meeting of newly elected directors for Election of office bearesrs

📅 26 Feb 2026

Notice for meeting of newly elected directors for Election of office bearesrs

📎 View PDF Document

List of Nomination Election of Member of Board of Directors

📅 20 Feb 2026

List of Nomination Election of Member of Board of Directors

📎 View PDF Document

List of Nomination Recived for the Election of Member of Board of Directors

📅 19 Feb 2026

List of Nomination Recived for the Election of Member of Board of Directors

📎 View PDF Document

Final Member List

📅 30 Jan 2026

Final Member List
AAVAM CREIDT CO-OPERATIVE SOCIETY LTD.

📎 View PDF Document

Notification of Election -2026

📅 19 Jan 2026

Notification of Election -2026
AAVAM CREDIT CO-OPERATIVE SOCIETY LTD.

📎 View PDF Document

Provisional Member List

📅 19 Jan 2026

Provisional Member List
AAVAM CREDIT CO-OPERATIVE SOCIETY LTD.

📎 View PDF Document

Notification of Election Dhwaj newspaper mp

📅 19 Jan 2026

Notification of Election Dhwaj newspaper mp
AAVAM CREDIT CO-OPERATIVE SOCIETY LTD.

📎 View PDF Document

Notification of Election Sandhya newspaper gujrat

📅 19 Jan 2026

Notification of Election Sandhya newspaper gujrat
AAVAM CREDIT CO-OPERATIVE SOCIETY LTD.

📎 View PDF Document

Provisional Member List

📅 09 Jan 2026

Member list

News Image

Publication of election Notice in the newspaper

📅 24 Dec 2025

Publication of election Notice in the newspaper
RAJASTHAN NEWSPAPER (NAVJYOTI BANSWARA NEWS)

News Image

Publication of election Notice in the newspaper

📅 24 Dec 2025

Publication of election Notice in the newspaper
GUJRAT NEWSPAPER (SANDHYA PRASARAN 23 DEC 2025)

News Image

Publication of election Notice in the newspaper

📅 24 Dec 2025

Publication of election Notice in the newspaper
DHWAJ NEWSPAPER (MADHYA PRADESH 23-12-2025)

Contact Aavam Credit

For enquiries on membership, deposit schemes, loan products or partnership opportunities, get in touch with our team.

Reach Us

Head Office – Banswara (Rajasthan)

Address:
C8, Char Bhuja Tower, Chetak Complex, Dahod Road,
Banswara, Rajasthan, India

Phone: 02962-254070
Email: Aavamcredit@gmail.com

Please avoid sharing sensitive information like passwords, OTPs or card details. Our staff will never ask for such information over phone or message.