Terms & Conditions

  • 1. Jewel Loan Members should pay the Interest Every Month within end of the Month.
  • 2. Change of Address Should intimate to our Office Immediately.
  • 3. Interest rates for Deposits and Loans fixed by Board of Directors from time to time.
  • 4 Office working Hours 9.00a.m. to 1.00pam Lunch 1 to 2 p.m. and 2.00pm to 4.30p.m.
  • 5.Interest on loans availed off on or after the 16th day of the months shall be charged only for half a month. Loans refund in full on or before the 15th day of the month shall be charge interest only for half a month.
  • Our SHENOY NAGAR SASWATHA NIDHI HOLIDAYS LIST FOR 2024
  Name of the DaysDateMonthsYear
1New YearMonday1stJanuary2024
2PongalMonday15thJanuary2024
3Thiruvalluvar DayTuesday16thJanuary2024
4Uzhavar ThirunalWednesday17thJanuary2024
5Republic DayFriday26thJanuary2024
6ThaipusamThursday25thJanuary2024
7Telugu New Year DayTuesday9thApril2024
Tamil New YearSunday14thApril2024
8May DayWednesday1stMay2024
9Independence DayThursday15thAugust2024
10Sri Krishna JayanthiMonday26thAugust2024
11Vinayagar ChathurthiSaturday7thSeptember2024
12Gandhi Jayanthi Wednesday2ndOctober2024
13AyudhapoojaFriday11thOctober2024
14VijayadasamiSaturday12thOctober2024
15DeepawaliThursday31stOctober2024
16ChristmasWednesday25thDecember2024


31st May 2024 happens to be a Friday and so it shall be a full working  day