Guaranteed Returns & Safety

Member Deposit Schemes

Save with complete confidence and earn substantially higher interest than commercial banks. Enjoy zero TDS deduction on member deposits, monthly compounding, and liquid overdraft facilities.

6.0% p.a. Savings Account Daily balance interest calculation

Up to 12% Fixed Deposit (FD) Compounded monthly · Zero TDS

9% – 12% Recurring Deposit From ₹500/month in ₹100 multiples

90% Loan Against FD Instant liquidity without breaking deposit

Investment & Deposit Rate BrochureFull RD, FD and MIS rate tables, membership fees and payment details, as a PDF.

Download PDF

Liquid Savings

Savings / Overdraft Account

We offer members a highly rewarding savings account with 6% per annum interest, far outperforming typical bank rates of 2.7%–3.0%. Enjoy complete freedom to deposit any time and withdraw funds whenever required.

To make financial management seamless, our society provides full digital access via Android mobile app and secure web portal.

Virtual Account Facility: Every member account is assigned a unique Virtual Account Number and IFSC code, allowing you to receive money from Google Pay, PhonePe, Paytm, or net banking via IMPS, RTGS, and NEFT without delay.

Daily balance interest calculation credited regularly
Instant withdrawals and deposits at working office or via digital transfers
SMS alerts and passbook facility for transparent transaction records

High-Yield Wealth

Fixed Deposit (FD)

Build substantial financial wealth with guaranteed monthly compounding. Deposit from as little as ₹5,000 in multiples of ₹500, with tenures ranging from 12 to 74 months at attractive interest rates up to 12% p.a.

Zero TDS Advantage: Under co-operative society tax provisions, TDS is not deducted on interest earned by society members. You retain 100% of your earnings.

Eligibility: Active society member with verified KYC
Dual nomination facility available for peace of mind
Loan facility available up to 90% of deposit value without breaking the FD
Premature withdrawal available as per approved society rules

Disciplined Savings

Recurring Deposit (RD)

Cultivate a powerful monthly savings habit. Deposit a fixed sum every month starting from just ₹500 (in multiples of ₹100), and watch your corpus multiply with tiered interest rates from 9% up to 12% p.a.

12 Months: 9.0% p.a.
24 Months: 10.0% p.a.
36 Months: 11.0% p.a.
48 & 60 Months: 11.5% p.a.
72 Months: 12.0% p.a.
Zero TDS on member interest earned
Nomination facility available

Regular Cash Flow

Monthly Income Scheme (MIS)

Earn guaranteed monthly cash flow from your savings. Ideal for senior citizens, retirees, or anyone seeking regular monthly income. Invest a lump sum, receive monthly interest payouts credited straight into your society savings account, and receive your 100% principal back at maturity.

Minimum tenure 36 months (3 years)
Monthly payouts at 1% per month (12% p.a. rate)
Zero TDS deducted on monthly payouts
Dual nomination facility

At A Glance

Compare All Member Deposit Schemes

Choose the scheme that perfectly aligns with your savings timeline and cash flow requirements.

Deposit Scheme	Minimum Amount	Multiples Of	Tenure Range	Interest Rate / Special Benefit
Savings / Overdraft	Any amount	–	Flexible / Liquid	6% p.a. · Virtual Account (IMPS/NEFT)
Fixed Deposit (FD)	₹5,000	₹500	12 to 74 Months	Up to 12% p.a. · Monthly compounding · No TDS · 90% Loan
Recurring Deposit (RD)	₹500 / month	₹100	12 to 72 Months	9% to 12% p.a. · Compounded monthly · No TDS
Monthly Income (MIS)	₹50000	₹100	3 Years minimum	Guaranteed Monthly Payout · No TDS · Capital Safe

*Deposit schemes are exclusively open to bona fide members of the society. Premature withdrawals are governed by society rules. Check current rate charts at the society office or estimate your returns using our financial calculators.

Start Earning Higher Interest

Open Your Member Account Today

Visit our office in Laxmi Nagar with your KYC documents or schedule a consultation with our representative.

Become a Member Now → Call 7844884646