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The member first expenditure must be the savings. The regular savers only will be entitled for the membership rights and privileges. Regular contribution of thrift is one of the conditions for advancing loans. Every member has to contribute to thrift a minimum of Rs.100 per month as long as they continue to be members of the society. These deposits are meant for building a corpus for their old age and are not fully or partially withdrawable during membership [period. The interest is also capitalized at the end of financial year. Generally loans are advanced not more than 5 times of these deposits. JAGRUTHI through its byelaws is empowered to convert these thrift deposits into shares from time to time till the authorized capital is fully paid up. 6% interest on thrift on individual’s thrift is paid/credited to account calculated on month end product balances.

The Members of JAGRUTHI are mainly women with family businesses. They are in regular need of finances to run or expand their businesses.

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