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.

Adarsh Credit

Adarsh Credit brings revolution in the field of credit co-operative societies

In the current scenario of the Indian economy, credit co-operative societies have their own importance. And Adarsh Credit has given a tremendous contribution to this. It has brought an incredible revolution in the sector of credit co-operative societies. In support of ‘Sabka Saath, Sabka Vikas (Collective Efforts Inclusive Growth)’ and Digital India, Adarsh Credit has done a lot.

Right from our one-of-its-kind mobile app Adarsh Money to various competitive financial products, we have always tried to establish transparency between us and our members. With 19 lakh members, we have made a unique identity as a credit co-operative society not only in India but the entire world.

Why people love Adarsh Credit?

From the beginning only, our operations and services have been very transparent. While updating our various products and services, we have also been progressing by leaps and bounds in the technology genre. Our members are facilitated with an extremely helpful mobile app Adarsh Money through which they can access their account from anywhere anytime. Checking account balance, transferring funds, paying utility bills and recharging wallets were not as easy as this before. Adarsh Money’s breakthrough features like touch ID, e-KYC and UPI gateway have made our members’ lives easier! Need more reasons why they love us?

Unique identity of Adarsh Credit in entire world

With our great financial products and transparent operations, we have become India’s largest multi-state credit co-operative society. We have waved our success flag not only in our country but the entire world. And this success was taken as a case study. In addition to this, our MD Mr. Rahul Modi was specially invited to a program held in London for unveiling the roots of our success.

With 19 Lakh members, Adarsh Credit Co-Operative Society Ltd. has become one of the most-preferable credit co-operative societies in India. Looking forward to receiving more love from you all.

Thank you!

Adarsh Credit SIP Schemes

Adarsh Credit’s SIP scheme- A tiny step to bigger returns

If you are associated with Adarsh Credit in any way, you must know about our various financial products and services. We offer a wide range of financial products in which you may invest your hard-earned money and get higher returns. SIP(Systematic Investment Plan) is one of them.

SIP is nothing but one of the wisest and most disciplined modes of investment. It is a hassle-free approach to make secure investments. The systematic investment plan is named among the most-recommended options for investing for your future.

If you are confused whether you should invest in an SIP scheme or any other investment instrument, here are a few major benefits of the SIP scheme. Have a read and decide on your own:

Advantages offered by an SIP scheme

  • Flexible and disciplined investment

Discipline is the key to successful investments. SIP scheme makes you disciplined to save on a regular basis. You also have the flexibility of deciding the amount of investment and tenure according to your requirement.

  • Higher returns on investments

Compared to any other scheme, this one gives you higher SIP interest rates on long tenure. Apart from this, the power of compound interest helps you get higher returns on maturity.

  • A convenient option

SIP scheme is a hassle-free investment option. You just give a standing instruction to your credit co-operative society or NACH and they will auto-debit from your account. Not much a process!

Adarsh Credit’s SIP scheme

We, at Adarsh Credit Co-Operative Society, also offer an SIP scheme in which you may invest and avail great SIP interest rates. For your convenience, we have 3 different SIP schemes to consider:

1) Monthly SIP Scheme

If you invest in this SIP scheme, you’d have to deposit a fixed amount every month on which a cumulative return shall be received on maturity. SIP interest rates depend upon the tenure you decide. You may invest an amount as small as Rs. 100/- every month. Premature and loan facilities are also available with it.

2) Quarterly SIP Scheme

The systematic investment plan can be quarterly too. According to this SIP scheme, you need to deposit a fixed instalment every quarter (three months) on which the interest will be earned as per the decided tenure. SIP interest rates vary from 9% to 11% per year.

3) Half-yearly SIP Scheme

Deposit a fixed amount every 6 months (2 times a year) and get a cumulative return on the date of maturity. The minimum deposit amount is Rs. 1000/- after which you may invest in multiples of Rs. 500/-. Tenure can be anything from 2, 3, 4, 5, 6 or 10 years. The premature facility is also available.

So, invest in Adarsh Credit’s SIP scheme and earn high returns. To know more, enquire now. Our investment advisors would be more than happy to help you.

Adarsh Credit with STREEBO

Adarsh Credit with STREEBO takes ‘Adarsh Money’ to the next level

When it comes to digitization, Adarsh Credit leaves no stone unturned. This is the reason why we’re among the most techno-savvy credit co-operative societies in India. As a part of our technological advancements, we have developed a mobile app for our society’s members and advisors.

And we are happy to share with you that Houston’s Streebo Inc. has decided to take this Adarsh Money mobile app to the next level. Streebo Inc. is a renowned digital transformation company in Houston. They are working with us to make our mobile app more efficient and advanced in order to provide the best experience of financial transactions to our members and advisors.

More efficient Adarsh Credit mobile app

In just four months, Streebo has developed a revolutionary drag-and-drop application with the use of DX Accelerator. This accelerator has reduced overall app development time for them. So what is new in the app now? Now, members can access their credit account together with availing services such as getting their account statement, fund transfer, utility bill payment as well as recharging their phones, DTH and data cards. On other hand, advisors’ Adarsh Money mobile app has also helped the advisors carry out their financial operations easily. Both these apps have been given easy navigation and user interface. For e-KYC and mobile wallet transactions, it has been linked with UPI gateway as well. Through Streebo DX Accelerator’s ‘point and click interface’, ticket booking and utility services have been made easier than ever before. To make Adarsh Credit mobile app even simpler for the users, log-in through Facebook Messenger has also been activated.

Surge in mobile app users

All these new features are available on both the platforms- iOS and Android. This Adarsh Credit mobile app has been used by almost 1 lakh advisors of Adarsh Credit since December 2017. Moreover, a surge of 60% has been witnessed in the ‘intra-day transactional revenue’ through the mobile application.

Based on the award-winning IBM technology, Streebo DX Accelerator platform is perfect to shape up our dream of revolutionary digital transformation. And we at Adarsh Credit are all set to compete with the world-class financial mobile apps in order to make Adarsh Money best of all.

Highlights of 2017

Top highlights about Adarsh Credit from the year of 2017

This year is about to end in a few days and 2018 will begin. With immense pleasure, we announce here that Adarsh Credit Co-Operative Society Ltd. has progressed at a great pace in the year of 2017. With a lot of achievements, awards and associations; Adarsh Credit has reached the pinnacle in the sector of Indian credit co-operative societies.

Let’s have a quick look at top 5 highlights from the year 2017:

1. Adarsh Credit associates with Oxigen 

In line with ‘Digital India’ dream envisioned by our Prime Minister, Adarsh Credit Co-Operative Society has taken a great step towards making the country digital. Adarsh Credit has tied up with Oxigen Services– a leading name in payment solutions provider. With Oxigen’s micro ATMs, Adarsh will soon reach the 2020 target of acquiring 100000 new villages which will have access to broad financial services.

2. Adarsh Credit won the Enterprise Mobility Award 

During a technical conference held at Pune, this award was given to Adarsh Credit Co-Operative Society Ltd. by the renowned Indian Express Group. Many other banks and financial institutes enrolled too for awards in different categories from which we won this award.

3. Tremendous support to ‘Rally for Rivers’ 

We all at Adarsh Credit Society enthusiastically supported the campaign ‘Rally for Rivers’. To save our rivers, this campaign was started by Shri Sadhguruji in association with the Isha Foundation which covered 23 events in 16 states, in total.

4. New corporate office in Ahmedabad 

Adarsh Credit opened the new corporate office in Ahmedabad. We at Adarsh Credit have a target of opening one lakh micro-branches in India to provide financial services to rural regions till 2020. Designed to reflect the personality of our business, this new office brings all departments together. The office is designed to help boost employees their productivity and, in turn, adds to the company’s growth.

5. Daily practice of National Anthem recitation 

We at Adarsh Credit have incorporated an innovative effort to start our day with the National Anthem. According to this unique practice, we recite national anthem every morning at sharp 9.35 after which we all start our day. This innovative effort really gives us positive energy and encouragement to do new things.

Looking forward to more successful 2018…[:]

Investment Plan

Top 4 investment plans of 2017 by Adarsh Credit

Just a couple of days and we shall start the New Year! So how was your 2017 financially? We hope you all had the good one. If we talk about Adarsh Credit Co-Operative Society, our 2017 was also great. With the immense support of our members and advisors, we have reached a whole new level in the sector of credit co-operative societies in India.

Through this piece of content, we want to let you know about our top 4 investment plans in the year of 2017. Have a look:

1. Fixed Deposits

We, at Adarsh Credit, offer various investment plans and fixed deposit is one of them. In this year, many members have invested in this FD investment plan. Through this investment plan, Adarsh Credit allows you to invest a fixed amount for a fixed duration. For your decided tenure, you get a particular high fixed deposit interest rate. Moreover, if you are a woman or a senior citizen, you get 1% additional rate of interest.

2. Monthly Income Schemes

Monthly Income Plan or MIS is another well-known investment scheme where you can invest a particular amount and get a return on it, every month. On a competitive MIS interest rate, you will get returns on a monthly basis till the date of maturity. The minimum amount of investment is Rs. 10,000/- after which you can invest in multiples of Rs. 1000/-.

3. Adarsh Triple

One of the term deposits, Adarsh Triple triples your investment in no time. Yes, in the duration of 144 months (on maturity), you get tripled your deposited amount. A good number of youngsters have invested in Adarsh triple in the year of 2017. If you have some savings on hands which you think, you wouldn’t need anytime soon, lock it in this term deposit scheme. After 12 years of tenure, you get three times of your invested amount.

4. A-15 Term Deposit product

Another term deposit product, A-15 is an Adarsh Exclusive product. You can earn great term deposit interest rates with Adarsh Credit’s A-15 scheme. You can deposit a minimum amount of Rs. 5000/- after which the investment can be made in multiples of Rs. 200/-.

No problem if 2017 has gone; there is 2018 coming which you can make financially strong. Become a member of Adarsh Credit Co-Operative Society and get benefit from all our money-minting investment plans.

MD Bday - Adarsh Credit

Adarsh Credit’s MD celebrated his birthday in a unique way

Usually, what do you do on your birthday? How do you celebrate it? Friends, parties, dinners, cakes, gifts and a lot of other things, right? But we at Adarsh Credit are somewhat different. We believe to do good things and spread positivity around us. Our MD Rahul Modi has recently added one more year to his age. Congratulations to him, first of all!

He is an amazing person and such an amazing was the way in which he celebrated his birthday! Adarsh Credit has always believed in doing something for the betterment of the society and communities. We strongly believe that apart from our business and morals, we must also give significance to serving the humanity. To continue it, Adarsh Credit Co-Operative Society always remains active through Adarsh Charitable Foundation to continue serving the society and the nation.

Unique birthday celebration

Our MD and CEO Rahul Modi also have such noble beliefs and hence, he decided to celebrate his important day in a unique way. He celebrated his 32nd birthday in an old-age home called Anubandh in Jodhpur. All the elders in this old-age home heartily welcomed Mr Modi and he touched their feet and took blessings for his birthday. Not only this, but he also gave a donation to this organisation of things which they were really in need of. Moreover, in order to facilitate easy transportation to the elders here, Mr Rahul Modi also gifted a brand new car.

Apart from this, Mr Modi also distributed fruits and biscuits to the needy ones in the areas surrounding all the branches of Adarsh Credit Co-Operative Society.

In this techno-savvy world, while we are living a busy and fancy lifestyle, Mr Rahul Modi spent time and chose a unique as well as simple way to celebrate his birthday.

To join us, become a member of Adarsh Credit or join us as an advisor.[:]

Financial advisor

Adarsh Credit brings you some sure ways to multiply your savings

 

Everyone on the earth has their own dreams and they hold a capability to fulfil their dreams but what if you are short of money? Being ambitious is one thing and having resources to accomplish the ambitions is another. For this, you need to earn, maybe more than what you get from your regular remuneration.

How is this possible? What are all sources that earn you that extra money? There are, certainly! You need to save at the first and invest your savings in the right instrument. This is how you will be able to make more money and fulfil your ambitions.

1. Setting up achievable goals

Dreaming is okay but it must be within your limits. You can’t become a billionaire in a night or two. So firstly, set up some small achievable goals. You can decide on some small aims such as saving a small portion of 500 rupees every month. But make sure that you keep aside this amount regularly on a monthly basis. This amount will become a huge one after some years. Apart from accomplishing your dreams, these tiny savings will also help you pay out your daily expenses.

2. Make smart investment

This is the most important decision you need to take as it is, after all, going to affect your returns on that investment. To invest, there are multiple options available such as real estate, mutual funds, fixed deposits, daily deposits, recurring deposits, share capital, the stock market, etc. Analyse all the schemes, compare their perks and then decide which suits you the best.

  • Fixed deposits: FD has always remained a lucrative option to invest as it provides secure returns for a fixed tenure on your principal amount. No risk factor and 100 percent guarantee of getting your returns. With Adarsh Credit, you can avail high FD interest rates on your investments.
  • Daily deposits: Also known as Pigmy deposits, these are another most popular instrument when it comes to receiving secure returns. If you can save just a small amount on a daily basis, your savings will become a huge amount one day. This is why the concept of daily deposits has received a huge acceptance. You can earn an impressive interest as well and hence, multiply your savings in no time!
  • Adarsh exclusive schemes: Adarsh Credit society has renowned countrywide for the highest interest-paying schemes. Some Adarsh exclusive investment products such as Adarsh Triple, Adarsh Bachat Patra and Adarsh 18 multiply your savings in a short period of time. You can check our website for more information on this.

3. Saving in specific categories

Consider spending after some certain categories in a month only, according to your priorities. For example, you can go for purchasing a refrigerator (just an example) this month and your office outfits in the next month. This will certainly prevent you from spending on unnecessary things!

4. Taking advice of a financial advisor

If you think that you are amateur at this entire investment game, then why don’t you hire a financial advisor? It will be great to do so as financial advisors are the pro with their investment skills and hence, they can suggest you the most money-minting investment options for your savings. No other could tell you better which all schemes you should invest in!

All these tips are some certain ways to double or triple your hard-earned money savings. So why wait? Start investing from today itself!