Institutional Mutual Aid & Welfare Schemes
Welfare portfolio and thrift provisions
Standard operating rules, sanctioned interest rates, loan tenure horizons, and settlement formulas approved by the Benevolent Association Committee.
- Ministerial staff (LGS to Adm. Officer) are exempt from seniority queue restrictions.
- DRF deduction (0.5%) is made upfront while EMI is calculated on the sanctioned sum.
- Certain EMI protocol: Residual balances under ₹1,000 are merged into prior month installments.
| Sanction Sum | Duration | Monthly EMI | DRF (0.5%) |
|---|---|---|---|
| ₹1,00,000 | 60 Months | ₹4,500 | ₹500 |
| ₹2,00,000 | 60 Months | ₹9,000 | ₹1,000 |
| ₹3,00,000 | 60 Months | ₹9,332 | ₹1,500 |
| ₹5,00,000 | 60 Months | ₹12,090 | ₹2,500 |
| ₹10,00,000 | 60 Months | ₹20,038 | ₹5,000 |
Require specific scheme clarifications or balance ledgers?
Contact the Head Office Secretariat at Vijayawada or access your individual passbook.
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