Souharda co-operative · Siddapur & SirsiSave with confidence.
Save with confidence.
Grow with your community.
Experience modern co-operative finance with traditional values. Safe deposits, fair loans and a team that treats you like family.
- Member-owned
- 3 offices
- Senior-citizen benefits
Earn up to
10.25% p.a.on Chirantana Cash Certificate, for senior citizens- Chirantana Cash Certificate899 days10%Senior 10.25%
- Fixed DepositAbove 1 year9%Senior 9.5%
- Fixed Deposit1 year8%Senior 8.5%
Rates effective 1 Sept 2026
+0.50%extra for seniors
Deposit schemes
All deposits Make your savings work harder
From daily pigmy collections to long-term cash certificates, choose a plan that suits how you earn and what you're saving for.
Fixed Deposit
Lock in attractive, assured returns for 182 days or more, with extra for senior citizens.
Up to 9.5% p.a.
Highest rate
Cash Certificate
Grow a lump sum over 899 days at our highest rate — 10% p.a., 10.25% for seniors.
Up to 10.25% p.a.
Pigmy Deposit
Save a little every day — our agent collects at your doorstep or shop.
Up to 4.5% p.a.
Recurring Deposit
Build a disciplined savings habit with a fixed monthly instalment.
Ask for rates
Loans
All loans Finance for every stage of life
Whether it's a new vehicle, a family function or stock for your shop — quick decisions, fair terms and local people who understand you.
Gold LoanQuick cash against your gold ornaments, with minimal paperwork.Two-Wheeler LoanRide home your new scooter or motorcycle with easy monthly EMIs.Car LoanDrive your dream car with affordable repayment options.Commercial Vehicle LoanGrow your transport business with finance for goods and passenger vehicles.Personal LoanFor weddings, education, medical needs or home repairs — when you need it.Hypothecation LoanWorking capital for traders against stock or business assets.
Plan ahead
See what your money can do
Use our calculators to estimate deposit returns or your monthly loan EMI.
₹
months
% p.a.
Rate is set from our current rate chart for the tenure you choose.
Maturity value
—
- Amount invested
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- Interest earned
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Indicative figures with interest compounded quarterly. Actual maturity may differ slightly.
₹
months
% p.a.
Please confirm the current rate at the branch.
Maturity value
—
- Total deposited
- —
- Interest earned
- —
Indicative figures with interest compounded quarterly. Actual maturity may differ slightly.
₹
months
% p.a.
Please confirm the current rate at the branch.
Monthly EMI
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- Principal
- —
- Total interest
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- Total payable
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Indicative figures on a reducing-balance basis. Actual EMI depends on the sanctioned rate and tenure.
Since 2025Serving Siddapur & Sirsi
Why Chetana Souharda
The trust of a local institution, the ease of modern finance
We combine the values of co-operative banking with simple, transparent service.
Safe & secure
Your savings are managed prudently under the Karnataka Souharda Sahakari Act, with transparent, member-first governance.
Rewarding returns
Competitive deposit rates — up to 10.25% p.a. — with extra benefits for senior citizens.
Owned by members
Every member is an owner. Decisions are made democratically, and profits stay in our community.
Personal service
A local team that knows you by name, speaks your language and gets decisions made quickly.
From the PresidentShashibhushan HegdePresident, Chetana Souharda Meet our board
“Chetana Souharda was built on a simple idea — that neighbours can help each other grow. Every deposit you make with us is put to work within our own community, funding local businesses, families and farmers. We promise to keep your savings safe, treat every member with respect, and serve you with the warmth of a local institution.”
Visit us
Contact details Three offices, one friendly team
Monday – Saturday · Transactions 10:00 AM – 5:00 PM · Lunch 1:30 PM – 2:30 PM
Siddapur Branch
SiddapurSirsi Branch
SirsiMoments
View gallery Life at Chetana Souharda
Visit us, call us, or just say hello on WhatsApp
Our team in Siddapur and Sirsi will help you choose the right deposit or loan — in Kannada or English.