Faq’s

ASSL is a government-registered Nidhi Company working to promote savings, credit access, and welfare services among uniformed forces, private citizens, and entrepreneurs across India.

Any Indian citizen aged 18 and above can join, including:

• - Serving/retired soldiers, police & paramilitary forces
• - Government/private sector employees
• - Small traders, MSMEs, self-employed individuals
• - Patriotic civilians interested in safe savings

The one-time membership fee is ₹1,000 + GST. This gives you lifetime access to ASSL savings plans, loan facilities, insurance benefits, and digital member services.

SSY1000 (Sainik Sanchay Yojana) is a monthly recurring deposit scheme where:

• - You save ₹1,000/month
• - Earn up to 5-6% simple interest per annum
• - Get a ₹5 lakh term insurance cover
• - Eligible for loan up to 75% of your total deposit (G-Money)

G-Money (Guarantee Money) is 75% of your total deposit, which acts as a guarantee for:

• - Instant loans (personal, urgent, electronics)
• - Business credit facility
• - Purchase advance from IndianMSME.org (0% interest for 10 days)

Deposits can be made through:

• - UPI/QR Code
• - Net Banking
• - Mobile App (coming soon)
• - Cash deposit at approved centers or agents

Yes. ASSL is registered under Nidhi Rules, 2014. Funds are used only within the member base and all accounts are transparent, audited, and compliant with ROC regulations.

In SSY1000, deposits are usually held for 3 to 5 years. However, you may withdraw 75% of your deposit (G-Money) or take a loan without breaking your scheme. Full withdrawal is possible after a minimum lock-in period or upon maturity.

Members can apply for:

• - Urgent loan
• - Personal loan
• - Home electronics loan
• - MSME purchase credit (through SUCY scheme)

Loans are approved based on your deposit history and G-Money balance.

SUCY (Sainik Udyami Credit Yojna) is for business owners and canteen managers who:

• - Deposit ₹500 or ₹1,000/day
• - Get 75% of deposits as credit for purchasing from IndianMSME.org
• - Enjoy 0% interest for 10 days, post which 11% p.a. interest is charged

Aadhaar Card (mandatory), PAN Card, Passport-size photo, and Membership form with nominee details.

Yes! You will soon be able to:

• - View your deposits, interest, and loan status
• - Apply for loans
• - Download account statements
• - Track insurance status

Yes. Under the Sanchay Advisor Member (SAM) model, members can earn incentives by referring others to join.

The nominee gets the ₹5 lakh insurance cover (if insured through SSY1000). All deposits with interest are transferred to nominee. No penalty is deducted.

Email: sainiksanchay@gmail.com

WhatsApp & Phone: +91-XXXXXXXXXX

Website: www.sainiksanchay.org

Managed by: Abhhyam Sainik Sanchay Limited (Regd.)