Double your income with adarsh credit

Adarsh Bachat Patra- A good way to double your investment from Adarsh Credit

There is always a lot of confusion when it comes to saving your money with the help of various investment schemes. You not only need to be wise but also need to be careful about it.

Adarsh Bachat Patra scheme is one of the investment schemes launched by Adarsh Credit which can be a wise choice for you under such confusion. To clear your doubts on the scheme, we have answered a few common questions. With the help of our answers, we hope to ease your worries of investment and help you make a clever decision for you and your family.

What is Adarsh Bachat Patra?

Adarsh Bachat Patra is basically, a term deposit introduced by Adarsh Credit Co-operative Society wherein the beneficiary gets good returns after investing a sufficient amount in the scheme. The scheme is restricted to the members of the society only.

How does this investment scheme help you?

The Adarsh Bachat Patra scheme is of a great benefit to the members of the society. Not only does the term deposit helps you double your total investment at the end of the scheme’s tenure but also comes with the benefit of members’ exclusive services. Thus, if the amount which has been collected at the end of the tenure is Rs.1,000; then you get a return of Rs.2,000. In addition to this, we provide a nomination facility as well.

How much amount should be deposited in the scheme?

With the constant price rise in the market, it is essential to invest your money in good investment schemes. At Adarsh Credit Co-operative Society, you can invest a low amount yet fetch good returns at the end. While there is no particular limit to the maximum amount of deposit in the scheme, the minimum amount for deposit is Rs.500. Further deposits have to be made in multiples of Rs.100.

What is the duration of the scheme?

At Adarsh Credit, we want our members to gain maximum benefit of our schemes. Hence, the Adarsh Bachat Patra has a mandatory duration period of 72 months for the scheme. There is no flexibility in choosing a term of a lesser duration. This helps us provide a decent amount to you at the end of the tenure.

Is there a pre-maturity clause?

Yes, the term deposit provides a pre-maturity payment facility in the scheme. Under the norms of the Adarsh Credit Co-operative Society, you can utilize a pre-maturity payment facility after investing for a period of 36 months in the scheme. Further terms are applicable as per the rules of our society.

Does Adarsh Credit provide a loan against this scheme?

We, at Adarsh Credit Co-operative Society, want our investment schemes to be highly useful to you. We want them to help you whenever you are in need. Thus, like most of our schemes, the Adarsh Bachat Patra scheme also comes with a loan facility. You can apply for a loan of about 60% of your total invested amount after a period of 3 years of the scheme.

Remember, it is always better to ask before jumping to a conclusion, especially if it is about investing your money. Hence, for any further queries on Adarsh Bachat Patra, feel free to contact Adarsh Credit Co-operative Society.

Daily Deposit Scheme - saving account

Daily Deposit scheme- An aid to the common man

The common man is an integral part of the society and is affected by the activities carried out in the society. With the constant price rise and growing necessities, there is no relief to his aid. In such situations, a habit of savings is highly helpful.

Usually, the women of the house tend to save money or the children deposit collected pennies in their piggy banks. But instead of just saving that money, if you can fetch good returns on it, then that money is more useful. While there are many schemes wherein you can get good returns, it is wise to choose the one which fits your requirement. The Daily Deposit scheme, also known as Pigmy Deposit scheme, by Adarsh Credit Co-operative Society is a great investment option for the common man. The Pigmy scheme benefits you by letting you deposit a minimum amount on a daily basis and fetches good returns by the end of your tenure.

Let us know more about the Daily Deposit scheme.

  • A small amount, big savings

    You don’t need a big amount for investment in order to fetch decent financial returns, always. Being wise is more important. With our Daily Deposit scheme, even your minimum investments as small as Rs.10 and further ones in multiples of Rs.5 can fetch you decent financial returns.

  • Short-term investments

    The Pigmy Deposit scheme enables you to invest your money for a period of 1 or 2 years. This is a great advantage to you because such short-term investments help you use your money for multiple purposes and make your engagements, flexible. Hence, you don’t have to wait for years for the maturity of your investment. You can easily access it after a period of 1 or 2 years.

  • High interest rate

    While small investments help you grow financially, high-interest rates create a difference in your investment. In order to make that difference, the Daily Deposit scheme offers high interest rates. For a period of 12 months of deposit, the rate of interest is 8% whereas for a period of 24 months, it is 10%.

  • Pre-maturity of the scheme

    We, at Adarsh Credit Co-operative Society, are highly dedicated to helping our members in crucial situations. Hence, if you want to withdraw your money from scheme due to any reason, you can do so with the help of the prematurity facility. This facility can be availed after a period of 3 or 12 months depending upon the tenure of your investment, under certain conditions.

  • Loan facility

    Under unpredictable situations, if you are in need of a loan, then there is a provision of loan facility under the Daily deposit scheme. If your minimum deposit balance is Rs.1,000, then you can take a loan of maximum 60% against your minimum deposit balance. Further, the interest rates are applicable as per the rules of our society.

So, don’t let your hard-work wash away with the increasing expenses. Save your money and fetch good returns in future with our Daily Deposit scheme. Visit Adarsh Credit Co-operative Society to know more about the scheme.

Adarsh SIP Scheme

Secure your child’s future with Adarsh Credit’s SIP scheme

As parents, you would want to give all the comforts of the world to your child. You would want your child to be successful in life without any hindrance, right? But the life we lead comes with a probability of uncertainties. You never know what happens in the next moment. Hence, it always beneficial to have backup plans ready. In such situations, investment schemes act as a savior to your child’s present and future, also.

While there are many investment schemes in the market offering attractive benefits, the best choice should be the one which aligns with your financial goals. We, at Adarsh Credit Co-operative Society, have always vested our interests in providing you with the best services. Our SIP scheme is determined to fulfil our motive by acting as a good investment scheme, especially in terms of your child’s future. Read on to know about the SIP investment scheme.

What is SIP?

An SIP account enables the members of Adarsh Credit Co-operative Society to deposit a fixed installment for a period ranging between 12 months and 120 months.

Benefits of SIP:

Fulfill all the dreams of your child at a single time

SIP scheme comes with a number of benefits for you. One major benefit is that SIP lets you fulfill your child’s multiple dreams at a time. This can be done by depositing your money as per your convenience. And while you deposit your money at your convenience, you are also investing in other interest of your child.

SIP has 3 types of schemes:

  1. Monthly scheme: Under this scheme, you can deposit your fixed installment on monthly basis.
  2. Half-yearly scheme: Here, you can deposit your fixed installment on a half-yearly
  3. Quarterly scheme: Deposit your fixed installment on a quarterly basis, under this scheme.

Even a less amount of investment can secure your child’s future

Unlike other investment schemes, the minimum amount to be deposited in this investment scheme is not high. In case of monthly scheme, the minimum amount is Rs.100. After the initial investment, further deposits can be made in multiples of Rs.50. Whereas, under the quarterly and half-yearly schemes, the minimum amount of deposit is Rs.1,000 after which investments can be made in multiples of Rs.500. Hence, even with a less amount of investment, you can secure a sound financial future for your child.

No hindrance to your child’s future with high-interest rates

Another major benefit of this investment scheme is that it offers a high-interest rate on the deposited amount. High-interest rates will ensure that your child does not face any hindrance while pursuing his/her dreams. The interest rates in the scheme vary from 9-11% which depends upon the time duration of the deposited credit. For example, on a deposit of Rs.100 per month for a period of 36 months, you get an amount of Rs.7,117 under the half-yearly scheme.

Moreover, when in need, you can avail a loan of up to 60% of the invested amount after a certain period of time in the investment scheme.

Let your child spread wings like a free bird. Let him /her dream as much as they can and achieve all dreams with flying colours. And meanwhile, when your child is building a happy future, secure the child’s future by investing in investment schemes by Adarsh Credit Co-operative Society. To know more, visit our society today.

Adarsh Credit Co-operative Society

Be a part of digital revolution with Adarsh Credit

The digital age is here and everything is available at your fingertips. You just have to relax and operate your electronic gadget to get your work done in a few minutes. And while the country is moving towards creating a ‘Digital India’, we, at Adarsh Credit Co-operative Society stand in sync with the country through our Adarsh Money mobile application. In fact, we are the only credit co-operative society who has launched a mobile application.

Adarsh Money is one-of-its-kind app. Its aim is to connect the rural areas of India to the mainstream ones. The mobile application is user-friendly and all the transactions can be carried out in a secure manner.

Let us get to know more about Adarsh Money as further.

  • Explore the Adarsh Money app

Adarsh Money app is filled with interesting features to help your financial transactions sail smooth. We, at Adarsh Credit Co-operative Society, have put in our efforts to add interesting features in the app like Touch ID, QR code scanning, UPI, and e-KYC. Many services like account balance, pay bills, transfer of funds, can be availed with this app. Moreover, all the services are accessible anytime from anywhere. In addition to this, the app is fast, secure and reliable too.

  • Adarsh Money for Members

Adarsh Credit has come up with a special app for our member enabling them to perform digital transactions as per their convenience. With the help of Adarsh Money, you can check your balance, transfer funds to your own or other’s account, and can recharge your mobile phones and DTH as well. Why stand in a queue to use these services when you can do it on your phone?

  • Adarsh Money for Advisors

Adarsh Money for Advisors is specially designed to empower the productivity of our advisors by letting them focus on daily operations like account opening and financial transactions. It lets our advisors execute their work irrespective of the time and place. Complete your work whenever you wish, without any hurry.

Our quality services to our members and advisors have made the app successful for us. Today, nearly all our members use this Adarsh Money mobile application for their day-to-day transactions. Using this app on an everyday basis will not only help you to digitize your life but also to our country as well. Life will become simpler and our country will grow to be prosperous.

To understand more about our Adarsh Money mobile application, visit Adarsh credit co-operative society today.

5 Perks of opening a savings account with Adarsh Credit Co-operative Society

A few years ago, people used to carry a huge amount of cash in their pockets in exchange for goods or other services. But nowadays, it is risky and highly inconvenient to do so. Whether you are an employee of an organization or an entrepreneur, you will notice that most of the transactions are performed in a cashless manner. Having a savings account makes these day-to-day transactions easy. They also provide an easy access to your funds. While current accounts are used only for a lot of transactions, a savings account is highly suitable for comparatively a lesser number of transactions of funds.

Numerous organizations provide a facility for opening a savings account. Before opening one, research well and consider various aspects of opening a savings account. We, at Adarsh Credit Co-operative Society, offer a facility of a savings account with numerous perks. A few such perks have been listed below:

No-frills account

While most of the organizations have a compulsion for people to maintain a certain amount of balance in their savings account, Adarsh Credit Co-operative Society offers you a no-frills facility. This means that no minimum balance has to be maintained in your savings account. So, now you can decide on how much credit has to be maintained in your account!

Savings account with a good interest rate

The interest rate offered on your savings account varies in every organization. While some institutions offer good interest rates, some may offer a moderate rate of interest. So, be wise and choose one. You may probably go with Adarsh Credit Co-operative Society as we offer a good interest rate of 6.75%.

Unlimited transactions for your savings account

We, at Adarsh Credit Co-operative Society, are determined to create a consumer-friendly environment to serve the best facilities to our members. Hence, our savings accounts come with a benefit of performing unlimited transactions without any extra charges.

Incoming NEFT facility

NEFT facility allows you to transfer or receive your funds from one account to other without stepping out of your home and this can be done with the help of internet. We offer incoming NEFT facility to our users for an amount up to Rs. 49,999. Isn’t it a good amount?

Free statement facility

If you want to get statements for your savings account, you can access it at Adarsh Credit Co-operative Society at zero cost. Unlike other institutions, we don’t charge for your statements. So, tracking your transaction history comes with no cost if you open a savings account with us!
As funds are easily accessible in a savings account, you can withdraw the required amount from your savings account whenever you want to. A quick and hassle-free process! Hence, with so many perks of savings account offered by Adarsh Credit Co-operative Society, make sure that you don’t miss on this one!

Share Capital

Share Capitals with Adarsh Credit Co-operative Society

It is extremely important to invest in shares these days. They provide potential capital gains which grow over a period of time. The average lifestyle cost is constantly increasing with day by day with no relief in sight. Thus, shares have the possibility of generating high, reliable and lasting revenues. Adarsh Credit Cooperative Society caters this need of people by letting them invest in its Share Capital with a good amount of dividends in return.

What happens in Share Capital is that an individual gets to invest some amount of money into an organisation or a company. This comes against the shares of ownership of that company to the individual. The individual is further recognised as a shareholder. Also, he/she acquire the right to exercise certain powers in the functioning of the company. The amount of money that has to be invested to become a shareholder in a company varies greatly. Adarsh Credit Cooperative Society lets an individual hold a single share of a minimal amount of Rs 10. This is further flexible as you can decide the tenure of holding the position as a shareholder. It can differ from 1 year to 10 years.

Once the money is invested, regular dividends are received by the shareholders. This makes Share Capital a dependable investment opportunity. This not only generates a sustainable source of income in bad times but also is a very good long-term solution for our financial needs. When you are old and retired, you don’t want to be dependent upon anyone for your smallest needs. Having a source of income even when you are not working, makes you strong and sound – both financially and emotionally. In cases of untimely death of a shareholder of Adarsh Credit Cooperative Society, we transfer the amount to their nominee.

Any person who is 18 years of age or above and stays within the area of operation of the Adarsh Credit Cooperative Society has the right to become a member. This is necessary to be able to buy Share Capitals of the society.

To become a shareholder at Adarsh Credit Cooperative Society and gain benefits from our Share Capital, visit our Adarsh Credit Co-operative Society’s website or our nearest branch for a personal experience. Hurry up today!

mistake to avoid in investment

5 mistakes to avoid while availing an investment scheme

In today’s world of the constant struggle of matching the expenses with earnings, it becomes quite inevitable to invest in various options and investments schemes. The reasons are many but if you fail to hop on to the wagon of investment then you are sure to have a tough time when there are some huge surprise expenses waiting for you.

Adarsh Credit Co-operative Society is here with a few common mistakes that everyone is sure to make while they are investing or thinking to put their foot in the investment schemes. Go through these errors and make sure that you avoid them in your investment journey.

1. Don’t keep your initial investment amount too high

This decision can turn out to be immature and can cost you a lot as if your decision turns out to be wrong or gives you less return on your investment. So, make sure to start with smaller investments so that you can change your investment scheme if you wish to in future.

2. Lack of financial knowledge

If you are not aware of the investment schemes and options, there are chances that you might take a wrong decision while choosing a scheme to invest in. It is better to gain complete knowledge about each of the options and then choose the one that suits your financial needs.

3. Smell the bad among the extreme good

There is always something fishy if everything seems to be good and perfect. So, whenever you things everything is too good, then you will have to dig deeper into the matter to smell the bad amongst it.

4. Think of the long run while you are investing

When you are thinking to start your investment in any form, then you have to broaden your horizon and keep the goal long-term as eventually the money that you will get as returns will be used for your future only.

5. Don’t panic if things don’t go as planned

There are high chances that things might go a little haywire when it comes to investments. But instead of panicking you should think about the possible solution that can save your money.

Adarsh Credit Co-operative Society has an array of highly beneficial investment schemes that you can avail to get high returns on your investment. Browse through Adarsh Credit or visit the nearest branch of Adarsh Credit to get the information personally.

investment with Adarsh Credit

Explore the need of investment with Adarsh Credit Co-operative Society

Financial decisions are the toughest ones to take and when you thinking about the investment you need to be utmost careful about where you are going to invest, when and the amount that you will invest. But there are some people who keep thinking and eventually end up not investing anywhere or don’t like the idea of investment.

Adarsh Credit Co-operative Society is here to give you enough reasons to start investing your money today in the investment schemes that you find most appropriate for your money and achieve financial goals.

Have a look at these reasons to start investing today in the various investment schemes lying in front of you.

  • When you invest your money, it just doesn’t sit in your account but it grows and gives you returns. So, rather than keeping a steady amount for years and then using it, if you invest it in a good investment scheme then your money will grow.
  • With the returns that you obtain from various investment schemes, you can meet the various emergency expenses, medical bills, and other surprise expenses that might come your way when you haven’t planned for it.
  • Earn from the wealth that you already have. Yes, you can earn by investing your accumulated wealth in various options for investment and then enjoy the returns that you get.
  • If you have not planned for certain financial goals, then you can use the returns or benefits that you earn by investing your wealth in various investment schemes. And there is an added advantage that you will not have a headache to plan separately for your huge financial goals.
  • There is a human tendency that you will surely be lured to spend the wealth that you have in hand or in your bank account. So, it is better to secure your wealth by investing it in some highly beneficial investment scheme.

Adarsh Credit Co-operative Society has an array of highly beneficial investment schemes that can provide you with high benefits and returns. Visit the nearest branch of Adarsh Credit to get all the details or just browse through Adarsh Credit and enjoy the returns.

investment schemes by Adarsh Credit

Dig in about the various types of investment schemes with Adarsh Credit

Are you in a dilemma about how to start your investment journey? Well, Adarsh Credit Co-operative Society is here to provide some light on the types of investment schemes that can give you high benefits. It becomes quite important to get all the knowledge about all the investment options for you before starting any type of investment.

Everyone has a different list of priorities when they are looking for investing and each of these are covered under different types of investment schemes. You just need to do proper research for putting your wealth in any of the random investment schemes and then regretting later on.

Here is a brief guide on the various types of investment schemes and which all priorities it will address. Just go through this information to start your road to investment with complete knowledge.

Conventional investment schemes:

Stocks & Bonds

Bonds are fixed income securities as the interest is calculated exactly on the tenure for which the bond is held. Stocks, equity and shares fall under the same category and are issued by the companies and open for buying by the public.

Fixed Deposits

Being one of the safest investment options, fixed deposits are chosen by many as a reliable investment option. There are a number of fixed deposit investment schemes depending upon your investment amount.

Mutual Funds

Mutual funds are the financial products that are managed by professionals and invested in different securities. There are different types of securities in which investment is done on the basis of your need.

Provident Funds and National Pension Scheme

This one is also the most popular and reliable option of investment when it comes to security. There are a number of provident funds and national pension schemes available for your investment.

To know more about the investment schemes and financial products by Adarsh Credit Co-operative Society, visit the nearest branch of Adarsh Credit or just browse through

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.