About Us

About Us

Our Profile

AISHWARYA MUTUALLY AIDED COPERATIVE CREDIT SOCIETY LTD (AMACCSL) is the brain child of Sri Ramesh Raju, MD & CEO a thorough banking professional with nearly two decades of experience. Being associated with new generation banks, his perspectives are radically different from the traditional ways of banking. He believes that the ultimate objective of banking is wealth creation. He says "Wealth creation brings happiness to your family. If you have surplus money, you may invest in AISHWARYA FD and generate wealth. If you have deficit, you can borrow from AISHWARYA and invest in Business and generate wealth". It is this belief that has led him to set up Aishwarya Mutually Aided Cooperative Credit Society Ltd.

AISHWARYA MUTUALLY AIDED COPERATIVE CREDIT SOCIETY LTD (AMACCSL) was established in 2011 under the provisions of the Andhra Pradesh Mutually Aided Cooperative Societies Act 1995, Vide Registration No AMC/DCO/RR/1599/2011 with a mission to ensure better living standards to its members by offering the best deposit products in the market and timely lending to meet their financial needs. We always keep an eye on the latest financial and technological trends to ensure that all our products are not only competitive but extremely beneficial to all our members.

AISHWARYA's major objective is “to Maximize Client’s Wealth in Minimum Possible Time” by providing the best interest rates in the market on its deposits, simultaneously ensuring the safety of Depositor’s money. And to assure the Security of depositor’s money it has made it a policy to lend its funds only against Collateral / Security ( upto 50-60% of market value). No unsecured loans are entertained.

Further AISHWARYA works with the primary objective of providing employment to the deserving people who need the most. Through our society we are reaching out to maximum people by the power of cooperative and help them make a better and brighter future for themselves.

Our Vision

To emerge as "The Best Savings Destination for Wealth Creation".

Our Mission

Wealth Generation to all our members by offering competitive and extremely beneficial investment products and services to our Depositors and by extending timely financial support by lending to right people at the right time.

Spirit of Aishwarya

We believe a strong value system is essential for the banking institution to provide appropriate services in the best way possible. Our value system mainly consists of values such as Confidentiality, Commitment and Accountability, But we do not limit ourselves to these values when it comes to serving our customers the best way possible.


All the transactions of our clients are kept strictly confidential. We believe it is the responsibility of the society to ensure complete privacy and security for all the transactions carried out by the customer.


We believe the banking services need to be provided with a human touch. We are committed to making banking a pleasant experience for each of them.


We believe there should be security for all public deposits. In order to ensure security, we provide only gold loans and mortgage loans backed by both movable and immovable properties.


It is a known fact that millions of boys and girls around us do not have access to basic education. That is why we have initiated the process of sponsoring the education of 12 boys and girls from economically weaker sections.

Further we also have decided to support the Swatch Bharat Campaign launched by the Government of India. To begin with, we plan to install waste collection bins at appropriate places in and around the localities from where we operate.

Innovate & Excel

AISHWARYA has introduced the Mobile Banking App as another bold step towards making banking with AISHWARYA a pleasant experience. Also it is in the process of tying up with other banks for direct credit and debit transactions in its member’s accounts through RTGS/NEFT which is something unique for a cooperative society providing such banking service in India.