By accessing or using the services of Jyoti Kranti Coperative Credit Society Limited , including but not limited to savings, deposits, loans, and membership, you agree to comply with and be bound by these Terms and Conditions.

Interest rates on deposits and loans are subject to change as per management discretion and RBI/cooperative department guidelines. Additional service fees may apply.

We reserve the right to suspend or terminate accounts that are inactive, fraudulent, or in breach of our terms, bylaws, or applicable laws.

We may update these Terms at any time. Continued use of our services after changes constitutes your acceptance of the new terms.

By submitting my details, I override my NDNC registration and authorize Jyoti Kranti Coperative Credit Society Limited and its representatives to contact me through Bulk SMS, RCS SMS & Verified SMS. I further consent to share my information on a confidential basis with third parties for evaluating and processing this proposal.