Each member upon enrollment shall be entitled to avail Credit Loan to the extent of an amount equal to ten months basic pay or Rs. 1,25,000/- whichever is less, subject to holding of minimum of 30 shares of Rs. 150/- each. However on completion of one year of membership each member shall be entitled to avail credit loan of upto a maximum of Rs. 2,00,000/- lakhs, repayable in 96 regular monthly installments on furnishing one acceptable surety who is a member of the Society. The time gap between the sanction of one Credit loan and the other shall be 15 months.