fixed deposit - adarsh credit

Top 9 advantages of investing in fixed deposits

One of the most-preferred instruments of investment, fixed deposits are opened to earn a high rate of interest on the surplus amount. It is also one of the most flexible investment options as well. An FD allows you to invest the amount as small as ₹ 1000 for your desired tenure. It is considered as a safe investment option as it has nothing to do with the risks associated with the financial market.


Here are top 9 benefits of investing in the fixed deposits:

  1. Easy way to invest

You may open a fixed deposit account very easily, in just a few minutes. May financial organisations also offer mobile application and website to open an FD online. So, no much hassle!


  1. Guaranteed returns

This comes as the most considerable advantage of investing in a fixed deposit that it provides assured returns on your invested amount. Compared to other options like debt funds and mutual funds, returns are guaranteed here, at the end of your tenure.


  1. Encourage the savings

Opening a fixed deposit encourages you to save for your rainy days in the future. It helps you cultivate the practice of saving on a regular basis.


  1. Higher FD interest rates

You often get higher FD interest rates compared to any other investment instrument. With Adarsh Credit, you get the rate of interest up to 11% which is really very good.


  1. Flexible investment instrument

Investing the amount of your choice for the period of your choice! Isn’t it flexible? In case of Adarsh Credit Co-Operative Society Ltd, you get a freedom of investing in the short-term fixed deposits that allow you to invest for small tenures- 3, 6 or 9 months.


  1. FDs are risk-free

Stocks, mutual funds, etc. are high-risk investment instruments whereas fixed deposits are away from any kind of such long-term or short-term risk.


  1. Loan availability against your FD

If you open an FD at Adarsh Credit, you can avail a maximum of 60% loan against it abiding the terms and conditions of the society.


  1. Liquid investment

A fixed deposit is a highly-liquid investment option as you can always close it or premature it when there is a financial emergency.


  1. Multiple FDs at a time

You can open more than one FD at the same financial institute at the same time without any hassle. Plus, you may also have multiple FDs across various organisations at the same time.



So now that you know all these advantages, invest in a fixed deposit today! We, at Adarsh Credit, have various terms ranging from 3 months to 5 years on which we pay high fixed deposit interest rates. Enquire more about our FD scheme now.

Bitiya Samriddhi Yojna

Bitiya Samriddhi Yojna- The best investment plan by Adarsh Credit

Adarsh Credit always brings to you something that is best in all ways. All our products and services are developed considering the benefits of our members. We wish that you receive high returns on your investments. In order to offer you the best investment schemes, we update our product bucket.

Recently, we have added such an investment scheme called Bitiya Samriddhi Yojna. One of the term deposit products that we offer, this investment plan is exclusively for the members of Adarsh Credit Co-Operative Society Ltd. If you wish to invest your savings in this scheme, you will get, on maturity, two and half times your invested amount. Tenure of Bitiya Samriddhi Yojna is 72 months i.e. 6 years.

Also a great investment plan for a girl child

The government of India is putting hard efforts to give the best upbringing to girls in India. Various campaigns are run to educate girls, make them independent and empower the women of our country. Adarsh Credit Co-Operative Society is also active in doing various activities for the women empowerment and launching Bitiya Samriddhi Yojna is one of them.

Bitiya Samriddhi Yojna is beneficial especially for your girl child. If you have a girl child, you may consider investing in this scheme. Being one of the best investment plans for a girl child, Bitiya Samriddhi Yojna secures the future of your princess. On investing just ₹ 1000, you get ₹ 2500 after 6 years. You are allowed to invest a minimum of ₹ 1000 after which you can invest in the multiples of ₹ 100.

If you want to avail a loan against this investment scheme, that is also possible. Before 24 months, loan facility is not available but after that, you may avail maximum 60% loan against your invested amount. However premature withdrawal is not allowed with this term deposit scheme, you are given the high rate of interest on your investments.

So invest in this term deposit scheme and sit back until the date of maturity. To know more, enquire now.

Earn more with your FD

How to earn more with your FD

Days are gone when only a few options were available for making an investment. Today, there are a number of options available in a variety of sectors such as stocks and shares, monthly income schemes, National Pension Schemes, SIP, mutual funds, real estate and what not! Despite being a lot of options available, there are people in minds of whom fixed deposits will come first if they are asked about the safest and almost zero-risk option to invest.

Why? Because fixed deposits have shown a lot of benefits to the investors! An FD is one of the most-preferred investment options and the all-time favourite among people. But in this blog, we present you two smart ways with which your FDs will earn you more in addition to the great fixed deposit interest rates.

1) Research always pays off!

How much interest would an FD earn you? That depends on a lot of factors- nature of the FD, its tenure, the rate of interest and the amount to be deposited. So once you decide to invest in an FD, you need to do a good research in order to find out the best scheme of a fixed deposit. Find out which credit co-operative society offers you higher fixed deposit interest rate for shorter tenure. We, at Adarsh credit, offer a high fixed deposit interest rate of up to 10% depending upon the tenure. So, you may consider an FD by Adarsh Credit.

2) Consider reinvesting your FD

On maturity of any fixed deposit, there remain two options on your hands. The first option is to withdraw the maturity amount and block it in one of your major expenses. Secondly, you may reinvest the maturity amount further in another FD or anywhere you wish to. Unless there is a requirement, you may always go for the second option. You wouldn’t realise and the deposited amount will be multiplied by many times in just a few years. This is the wisest option to double or triple your savings. If there isn’t any urgent need or expense, reinvesting the maturity amount is always a very good option.

So keep these two points in mind and start making the most out of your fixed deposits. Cheers!

PS: We have also introduced short-term FDs under which you can invest your money for a short tenure of 3, 6 or 9 months and get high returns. To know more, enquire now.