E-stamping (Bond Paper):

E-stamping is a computer based application and a secured way of paying Non-Judicial stamp duty to the Government. Bond Papers are required for various purposes i.e. registration, agreement, court cases etc. are issued with the permission from central Government are available at our branches.

Pan Card Facility:

Permanent account number (PAN) is the identifier of Indian income tax payers. It is issued by the Indian Income Tax Department under the supervision of the Central Board for Direct Taxes (CBDT) and it also serves as an important proof of identification. These cards are availed in our branches at minimum charges.

Health Card Facility:

Father Muller Health Card (Father Muller Hospital, Mangalore) and Manipal Arogya Card (KMC Hospitals, Manipal & Mangalore) services can be now availed at discounted rate with the help of this Card.

Money Transfer Service:

Transfer of money from one place to another are made simpler at our Branches through these services:

Gold Coin Facility:

Milagres Co-operative is in collaboration with Joy Allukas to provide gold coin purchase facility to our esteemed customers. Round shaped customised gold coins in denomination of 5 Gms, 8 Gms, 10 Gms bearing Joy Allukas Logo, coin denomination on one side and pictures of goddess Lakshmi ,Mother Mary, Lord Ganesha, etc on another side.The sale price depends on the market rate will be informed on day to day basis by Precious Metal Cell, ID Mumbai. Gold coin can be purchased from our designated branches.

Life Insurance:

Life insurance is a contract that pledges payment of an amount to the person assured (or his nominee) on the happening of the event insured against.

The contract is valid for payment of the insured amount during:

  • The date of maturity, or
  • Specified dates at periodic intervals, or
  • Unfortunate death, if it occurs earlier.


This service is another tool through which we help our customers to safeguard their lives and their vehicles through various available schemes. One of the main tasks is, to convince the customers who already have done their Vehicle Insurance from other companies, to do their renewals from our Co-operative.

A) Vehicle Insurance:

Till date vehicle insurance is done only for our co-operatives vehicle loan customer. This segment can be widened by approaching public vehicle owners. Also other customers must be approached for getting their vehicle insured and renewals done from Oriental Insurance through our Co-operative.

B) Nagrik Suraksha Policy:

Nagrik Suraksha Policy is one such policy which covers the accident cover for the insurer. To create awareness about this service you must be in constant touch with civil contractors, Building Contractors, Land Developers, and Civil Engineers etc. These must be contacted to issue policies for their construction labourers, office staff etc. For example, the premium is just Rs.260/- for 1 lakh policy for a term of 4 years.

C) Mediclaim Policy:

Likewise there is Mediclaim policy which offers various benefits to well to do customers at the time of any tragedy or health crisis. Upper to Medium class people must be approached for getting insured under this protection blanket. This policy covers entire family. Hospitalization charges can also be claimed by furnishing the bills and other expense details.

D) Shopkeeper Insurance Policy:

Likewise this policy offers various benefits to the shopkeeper at the time of any uncertainties such as fire, theft etc). So you need to approach the shopkeeper for this insurance policy on the basis on their stocks.