Last updated: May 2026
1. Introduction
These Terms and Conditions (“Terms”) govern your access to and use of this website operated by NITYA VIKAS MUTUALLY AIDED COOPERATIVE THRIFT AND CREDIT SOCIETY LIMITED. (“the Society”, “we”, “us”). The Society is a mutually aided co-operative thrift and credit society registered and regulated in India, carrying on activities permissible for a mutual benefit company under applicable law.
By browsing or using this website you agree to these Terms. If you do not agree, please discontinue use of the site.
2. Informational use only
Content on this website (including scheme summaries, calculators, news, and FAQs) is provided for general information and member communication. It does not constitute financial, legal, or tax advice. Interest rates, charges, eligibility, limits, and product features are subject to board-approved circulars, bye-laws, and regulatory directions. Final terms are confirmed at the branch and in your account opening documents or sanction letter.
3. Membership and services
Deposits, loans, and other facilities are offered to members only, in line with the Society’s objects, bye-laws, and applicable RBI / MCA rules. Opening an account or availing a loan requires completion of KYC and documentation at your nearest branch or head office (or as notified). Online tools (such as calculators) give illustrative figures only.
4. Acceptable use
You agree not to misuse this website, including by: attempting unauthorised access to systems or data; introducing malware; scraping or automated harvesting in a way that impairs service; impersonating the Society or its staff; or using the site for any unlawful purpose.
5. Intellectual property
Unless otherwise stated, text, layout, logos, and graphics on this website belong to the Society or its licensors. You may not copy, reproduce, or redistribute content for commercial use without prior written consent.
6. Third-party links
This website may link to external sites (for example maps or legacy portals). We do not control third-party content or privacy practices. Your use of external sites is at your own risk and subject to their terms.
7. Limitation of liability
To the fullest extent permitted by applicable law, the Society and its officers, employees, and agents shall not be liable for any indirect, incidental, or consequential loss arising from use of this website, reliance on its content, or temporary unavailability of the site. Nothing in these Terms excludes liability that cannot be excluded under Indian law.
8. Governing law and jurisdiction
These Terms are governed by the laws of India. Subject to applicable law, courts at Bapatla / Andhra Pradesh shall have exclusive jurisdiction over disputes arising from use of this website.
9. Changes
We may update these Terms from time to time. The revised version will be posted on this page with an updated “Last updated” date. Continued use of the website after changes constitutes acceptance of the revised Terms.
10. Contact
For questions about these Terms:
NITYA VIKAS MUTUALLY AIDED COOPERATIVE THRIFT AND CREDIT SOCIETY LIMITED.
Registered / head office: 15-19-46, 1st Floor, Opp. Kanyakaparameswari Temple, Main Road, Old Town, Repalle, Bapatla Dist., Andhra Pradesh — 522265
Phone: 08648-224522 / 08648224455
Email: info@nityavikas.com