Terms & Conditions

Aditya Anagha Multi-State Credit Co-operative Society Ltd. is registered under the Multi-State Co-operative Societies Act, 2002 (Registration No. MSCS/CR/398/2011) and operates in accordance with the provisions of the Act, applicable Rules, its registered Bye-laws, and amendments thereto.

The Society is not a commercial bank and does not hold a banking licence issued by the Reserve Bank of India (RBI). It functions as a Multi-State Credit Co-operative Society in accordance with the applicable provisions of the Multi-State Co-operative Societies Act, 2002.

This website provides information regarding the Society, its deposit schemes, loan products, member services, branch network, announcements, and other related information.

The information published on this website is intended for general guidance only and shall not be construed as financial, legal, investment, or professional advice.

Access to this website is available to the public. However, availing any financial product or service offered by the Society is subject to:

• Eligibility under the Society's registered Bye-laws;

• Submission of prescribed application forms and supporting documents;

• Completion of applicable Know Your Customer (KYC) requirements;

• Approval by the competent authority of the Society; and

• Compliance with applicable laws, regulations, and the Society's internal policies.

Nothing contained on this website shall be construed as an assurance or automatic approval of membership or any financial product.

Membership of the Society shall be governed exclusively by the provisions of the Multi-State Co-operative Societies Act, 2002, the Rules framed thereunder, and the Society's registered Bye-laws.

The Society reserves the right to accept, reject, suspend, or terminate membership in accordance with applicable statutory provisions and its Bye-laws.

The Society offers deposit schemes, loan products, member services, and other financial facilities as permitted under its registered Bye-laws.

All products and services are subject to:

• Applicable laws and regulations;

• Product-specific terms and conditions;

• Declared interest rates;

• Eligibility criteria; and

• Internal approval processes.

The Society reserves the right to modify, withdraw, or discontinue any product or service in accordance with applicable law.

The Society makes reasonable efforts to ensure that the information published on this website is accurate and up to date. However, no warranty or representation is made regarding the completeness, accuracy, or timeliness of such information.

The Society reserves the right to modify, update, or remove any content without prior notice.

Users shall not:

• Use this website for any unlawful purpose;

• Attempt to gain unauthorized access to the Society's systems;

• Upload or transmit malware, viruses, or harmful code;

• Infringe the intellectual property rights of the Society or any third party;

• Disrupt or interfere with the operation or security of the website.

Violation of these Terms may result in restriction of access and legal action where applicable.

All content available on this website, including but not limited to text, graphics, logos, trademarks, photographs, designs, documents, layouts, software, and other materials, is the intellectual property of Aditya Anagha Multi-State Credit Co-operative Society Ltd., unless otherwise stated.

No content may be copied, reproduced, modified, republished, transmitted, distributed, or commercially exploited without the Society's prior written consent.

This website may contain links to external websites for the convenience of users.

The Society neither endorses nor assumes responsibility for the content, availability, privacy practices, cybersecurity, or accuracy of information contained on such third-party websites.

To the fullest extent permitted by applicable law, the Society shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of:

• Use or inability to use this website;

• Technical failures or interruptions;

• Internet connectivity issues;

• Unauthorized access despite the Society implementing reasonable security measures; or

• Reliance upon information available on this website.

Nothing contained herein shall exclude liability where such exclusion is prohibited by law.

The collection, storage, processing, and use of personal information are governed by the Society's Privacy Policy.

While the Society employs reasonable administrative and technical safeguards to protect information submitted through this website, no method of internet transmission or electronic storage can be guaranteed to be completely secure.

The Society reserves the right to amend or revise these Terms & Conditions at any time without prior notice.

Any revised Terms shall become effective upon publication on this website. Continued use of the website after such publication shall constitute acceptance of the revised Terms.

The Society is registered under the Multi-State Co-operative Societies Act, 2002 and functions under the administrative jurisdiction of the Central Registrar of Cooperative Societies (CRCS), Ministry of Cooperation, Government of India.

The Society conducts its affairs in accordance with the applicable provisions of the Act, Rules, its registered Bye-laws, and other applicable laws.

These Terms & Conditions shall be governed by the laws of India.

Disputes relating to the constitution, management, business, or affairs of the Society that are required to be referred under the provisions of the Multi-State Co-operative Societies Act, 2002 shall be dealt with in accordance with the provisions of the Act.

Any dispute relating solely to the use of this website shall be subject to the jurisdiction of the competent courts at Nagpur, Maharashtra, unless otherwise provided under applicable law.

The information published on this website is intended solely for general informational purposes and shall not be construed as an offer, solicitation, guarantee, or commitment regarding any membership, deposit scheme, loan product, or other financial service.

Approval of any application shall remain subject to the Society's Bye-laws, applicable laws, eligibility criteria, documentation requirements, and internal approval processes.

Aditya Anagha Multi-State Credit Co-operative Society Ltd.

Head Office: Plot No. 379, Ganesh Nagar, Azamshah Layout, Nagpur – 440009, Maharashtra, India

Phone: +91 712 2743550

Email: info@adityaanagha.com