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The Adarsh Bachat Patra is a Term Deposit Product exclusively available for members of Adarsh Credit Co-operative Society Ltd. only. It gives maturity of two times the invested amount after 84 months.

Product TypeTerm Deposit
EligibilityApplicant must be a member of the society
Minimum Deposit Amount₹ 500 and further in multiple of ₹ 100
Maturity Value₹ 2,000 on every ₹ 1,000 invested
Duration84 months
Premature Payment FacilityNot Available up to 3 years, Interest applicable only on withdrawal after 3 years as per Society Terms & Conditions
Nomination FacilityAvailable
Loan FacilityAvailable after 2 years, Maximum of 60% against deposit amount, Interest rates applicable as per Society’s Terms & Conditions

*Effective from May 03, 2017


What is the tenure of Adarsh Bachat Patra?

The tenure of Adarsh Bachat Patra is 84 months.

What is the minimum investment amount for Adarsh Bachat Patra?

The minimum amount of investment is Rs. 500 for Adarsh Bachat Patra and after that, one can invest in multiples of Rs. 100 in this product.

How much interest can a member earn in Adarsh Bachat Patra?

The interest rate of the product is approximately 10.03% (Quarterly Compound). This is an Adarsh Special Scheme where members can get two times of the investment amount on maturity.

Is there any facility for prematurity in Adarsh Bachat Patra?

Yes, members can premature this deposit as per followings rules:

  • <=36 months → Prematurity facility not available
  • >36 to 48 months → Member will get Rs. 125 on investment of Rs. 100
  • >48 to 60 months → Member will get Rs.135 on investment of Rs. 100
  • >60 to 72 months → Member will get Rs. 150 on investment of Rs.100
  • >72 months → Member will get Rs. 175 on investment of Rs.100

Is there any facility for loan in Adarsh Bachat Patra?

Yes! Loan facility is available against Adarsh Bachat Patra as per following rules:

  • < 24 months → Loan facility not available
  • > 24 months → Member can avail maximum 60% loan against their investment amount in Adarsh Bachat Patra. Interest rate will be applicable as per rules of the Society.