Any low income person can become a member of Samurshi banking society and it is open for non Samurdhi beneficiaries as well

• You can join the five member small group after discussing with the Samurdhi Development Officer of your GN division
• With your fellow members of small group you can obtain the membership of village Samurdhi office
• Meet the bank manager of Samursgi bank Society with the filled application collected from Samurdhi Development Officer
• With the guidance of Manager all of you have to open bank accounts
• Open a separate group account for your group

You as a member of the Samurddhi bank are entitled to following benefits

• Higher interest rate for member deposits
• Bank loans without guarantees in low loan interest rates
• Facilities to pay loan installments and bank deposit while stay at home
• Maximum government security for your deposits
• Plannning and technical support for income generation projects
• Market for products

• Your member account has two parts , namely general savings and share capital/ financial account
• At least one share of Rs. 500 to be paid in fully to open an account
• This share amount need not to be paid at once
• Loans upto 10 times of the completed share value can be applied for.
• And it is necessary to available the bank balance of 25% or more of the applied loan amount at your group account
• Group members can be guarantors of each other whereas it is sufficient to have each member has complete the share deposits and the group account prevails a balance amount equal or more than the 25% of the amount of loan requested.
• You will receive the loan upon the bank manager submitted the application to Samurdhi bank Control Board and obtain their approval
• The maximum loan amount that can be obtained as a self employment loan or cultivation loan is Rs 5,000/=
• Installments and interest of your loan can be paid through Samurdhi Development Officer of your division
• You can have your life and property covered by paying small insurance installment of’ Group insurance Fund, before obtain the loan