Investment schemes - Adarsh Credit

7 Surprise expenses that can bring your investment schemes to a halt

Some of you might be saving for some financial goals, retirement or maybe a trip. But the fact is no matter how much you plan, budget or save, there will be a number of expenses that will just pop out of the blue to pour a big bucket of water on all your pre-decided plans. Adarsh Credit Co-operative Society is here with a list of seven surprise expenses that will come whooshing towards you.

1. Car Expenses

Well, cars or any vehicles can invite any expenses at any point in time. Whether your car just breaks down or meets with an accident, you will have to pay the cost. Over and above that you have to pay car insurance premiums too. So, you need a backup investment scheme that will bear the expenses of your car.

2. Medical Expenses

When anything happens to you or your loved one’s health then these expenses are to be addressed immediately and they cannot be postponed or ignored. This situation or these kinds of expenses are sure to occur and demands an emergency fund even if you have health insurance covered.

3. Electronics

As the time passes, there will be advancements in technology and who does not love to walk hand in hand with the latest gadgets and technologies? So, in order to meet our need for buying all the latest gadgets and electronics you need an altogether different budget.

4. Home Repair Costs

Yes, there can be any sudden situation in your house that will need an immediate fix and you will have to spend on that too. And so in this case also you will need funds if the expense is too high. Of course, you might be investing in various investment schemes but then those were saved for a pre-decided expense right?

5. Surprise Gifts

Birthdays! How can you forget them? Whether it is of your beloved, friend, child or any family member, you have to buy a gift and obviously, you won’t have secured a special investment scheme for birthday gifts. If you are planning a gift for months then there are chances you might have everything secured. Otherwise, you have to secure an emergency fund for this too.

6. Education

This one is for the parents, who are aware of the tuition, schools and college fees that are soaring higher day by day. And most of the parents have secured funds or have investment schemes availed for these fees. But the fact that is overlooked by most parents are the little things such as a computer, laptop, extra-curricular activity supplies, hobby classes, school tours, and picnics, etc.

7. Social or Family Functions

You are already nodding your head when you read this line right? It is but obvious that all the family functions or social events add to your list of expenses, whether it is your own or you are attending someone else’s. Wedding, housewarming, get-togethers or baby shower, you have to spend a fortune.

In order to shield yourself from the above-mentioned surprise expenses, you need to keep a separate emergency fund by investing in highly beneficial investment schemes. The choice of these schemes should be such that you can get high returns which can be used in case of emergency. Adarsh Credit Co-operative Society has a few schemes that can prove to be of great help when such expenses arise.

Daily Deposit Scheme
Monthly Investment Scheme
Adarsh Bachat Patra
Adarsh 18
A-3 Deposit Scheme

Get all the information about these investment schemes and other financial products provided by Adarsh Credit Co-operative Society to start your investments today. You can even visit the nearest branch of Adarsh Credit to gain knowledge about various financial products.

Investment scheme - Adarsh credit

Plan for your retirement with various investment schemes by Adarsh Credit

Most people in India do not focus up to the required extent of their retirement and life after that in financial terms. There is a dire need for people to be aware of the expenses and financial needs. And even there are people who do not find investment schemes as a good option to save for their retirement.

There is a need to give everyone a reality check about the expenses that will be encountered after retirement. The reason being the number of expenses such as medical expenses that will be added to the regular expenses, making it a bit difficult to manage due to lack of regular earning.

Adarsh Credit Co-operative Society is here with a few factors that you need to focus on while planning for your retirement:

Make plans well in advance

Of course, you are aware of the time of retirement and the remaining time you have to save and invest as much as you can within that period. So, start planning and chipping in retirement investment from the day you realize it. It can be just now also, starting to plan and looking for various investment schemes can provide you enough savings.

Do not imitate

It is not at all necessary that the plans or investment schemes that worked for your friend, parents or relatives will work for you too. No, you have a completely different scenario as compared to others and so the decision is to be taken solely by analyzing your conditions. Imitating others will provide you with less or no support for life after retirement.

Look for long-term investment schemes with higher benefits

The reason to look for long-term investment schemes from now onwards is to get higher benefits when the time comes for retirement. Even Adarsh Credit Co-operative Society offers a number of highly beneficial long-term investment schemes that will support you with an amount to sustain through life after retirement. Here are some of the schemes for your review:

Never break any savings or investment schemes

You should never ever break the investment scheme that you have availed from half or go for using up the savings that you made for expenses after retirement. Whether it is any kind of emergency, keep a practice of keeping an emergency fund either. So, you can use this emergency back-up in case of any accidental huge expense.

Browse through Adarsh Credit Co-operative Society to choose the perfect investment scheme that can help you save for retirement and enjoy life after that. You can even visit the nearest branch of Adarsh Credit to get all the information in person.

investment schemes - Adarsh

Ways to ensure financial stability by availing investment schemes regularly

The most common issue faced by everyone now days is the fact that there is a long list of financial goals but the income is limited. The consequence of this is that people tend to keep the option of investment and savings on the backseat resulting in no savings justify for future use.

Adarsh Credit Co-operative Society has a perfect solution for the ones facing this issue in their lives. Have a look at these ways to ensure financial stability along with regular savings and a number of investment schemes to embark investment too.

  • Start your investment alongside your earning

It is a good practice to start investing along with your earning and that can make a huge difference. It is not at all required to invest huge amounts. Just choose an amount that you can spare from your earning and these small portions will one day give you high returns to fulfill your future goals.

  • Chip in for down payment for large purchases

After securing some amount in the investment schemes, it now turns to start saving for down payments for the large purchases that you have planned. The reason to divide your investments is just to provide each priority in your life an equal chance to be fulfilled.

  • Make sure to save for emergency expenses

The investments and savings that you make can also act as a backup for any kind of emergency that arises and costs a fortune. So, the investment schemes that you are investing in or the amount that you saved will act as a way to get high returns as well as an emergency fund.

  • Look for high-interest investment schemes

The investments that you are making have to be wise and after giving a proper thought. In order to help you with this decision, Adarsh Credit Co-operative Society has brought a number of highly beneficial investment schemes:

If now you find a need to start your investment with Adarsh Credit Co-operative Society then get information all the investment schemes offered by Adarsh Credit at and start availing high benefits.