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!

Fixed deposit interest rates- Adarsh credit

Reasons to invest in fixed deposits & avail high fixed deposit interest rates

From the plethora of investment options flooding around you in all the sectors, it can be a tough task to select the apt one for you. Adarsh Credit Co-operative Society is here to rescue you from this situation by providing the most beneficial out of all the options.And the verdict is a fixed deposit. Yes, fixed deposits are one of the most beneficial options to invest your money and get high returns owing to the high fixed deposit interest rates provided by certain organizations.

Now there might be a number of questions that are popping into your mind regarding fixed deposits and investment benefits. So here are a few reasons that will acknowledge you about benefits of fixed deposit and investment in it.

  • Safety is assured when you are investing in fixed deposits along with high-interest rates
  • A good short-term investment option can be seen in fixed deposits as you can avail benefits with high fixed deposit interest rates
  • Fixed deposits can also be made a permanent source of income as you can get interested paid out at regular intervals
  • High fixed deposit interest rates are provided by many organizations that can lead to a higher savings amount as well as high returns

And if you are thinking that the fixed deposit interest rates may vary then we have brought a list of things that affect these interest rates.

  • Government policies
  • Recession
  • Inflation
  • Economy

So, the basic concept of fixed deposit, reasons to invest in it and the factors affecting fixed deposit interest rates are clear and you might be willing to start your investment now right? Have a look at all the details about Adarsh Credit Co-operative Society’s fixed deposit scheme and start getting high returns!!

savings account - Adarsh credit

5 things to consider before opening a high-interest savings account

When you are planning to open a savings account that can secure your money as well as provide you with high savings account interest rates, then there will be a number of things that demand consideration and thinking. Well, Adarsh Credit Co-operative Society is here with such 5 things that need your attention before opening a savings account.

Have a look at these things and start considering them before opening a savings account.

  • Whether it is a no-frills account or not

Always try to open a no-frills account as it can make management a lot easy for you. You don’t need to maintain a minimum balance to retain your account. Adarsh Credit offers such zero balance high-interest savings accounts to provide high benefits to its members.

  • Penalties

Make a detailed research about the penalties that you will be charged and under what circumstances and conditions. Mostly organizations levy taxes and penalties for various reasons such as non-maintenance and other factors.

  • Savings account interest rates

Opt for an organization that provides a high-interest rate with the savings account. Well, Adarsh Credit Co-operative Society has a savings account that offers 7.5%* per annum that compounded quarterly.

  • Internet and phone banking

In today’s digital era, if the account that you are holding cannot be accessed by phone and laptops then it will be of no use and time-consuming. So make sure that the savings account you are opting for provides these facilities.

  • Advanced features

Look out for any extra features or services that are provided by the organization along with high-interest savings accounts. As these facilities such as nomination facility, number of transactions etc. are highly beneficial for your savings.

Hope these things will help you to get highly beneficial and high interest savings account. So, start working on these things now and if you want to get further details visit the nearest branch of Adarsh Credit Co-operative Society or browse through


adarsh foundation

Adarsh Credit Co-operative Society fulfils social responsibilities

After achieving recognition on the international platform, Adarsh Credit Co-operative Society has not given a back seat to its social responsibilities. Adarsh Credit Co-operative Society has always worked for the betterment of the nation with Adarsh Charitable Foundation and other initiatives. Along with the financial products that it provides its members with benefits that can multiply their savings.

The initiatives that are undertaken by Adarsh Credit Co-operative Society, under Adarsh Charitable Foundation includes all the types of activities ranging from education, village development, women empowerment to any possible social cause of our nation. Adarsh Charitable Foundation, right from 2015, has always worked for the economically weak classes to make them able to live a healthy and happy life. Along with that they also make sure that the weak masses get quality services that they can use for development and education.

Adarsh Credit Co-operative Society’s initiatives

Some of the notable areas for which Adarsh Charitable Foundation has worked for are mentioned here with details about each one of them for your knowledge.

  • Health

In the health sector, Adarsh Charitable Foundation has given the maximum efforts by organizing various camps and helplines for instant help. Adarsh Credit Co-operative Society has organized various blood donation camps under the title, “Raktadaan hi Jeevendaan”. Even many health camps are organized at a lower or no price in the rural areas where people are devoid of medical help.

  • Water & Food

Adarsh Credit has also worked for the water scarcity problems in Sirohi region of Rajasthan. Under this initiative, Adarsh Charitable Foundation has established rainwater harvesting systems in the public schools, maternity hospitals, and other government buildings. Apart from these, water ATMs are set up to provide mineral water to the citizens, cleaning ponds to increase the ground water level and many other steps are taken by Adarsh Credit Co-operative Society.

  • Education

Adarsh Charitable Foundation has actively participated in undertaking many Anganwadis in Rajasthan to increase the quality of education. Along with this, the education for special children is also given equal importance. Children are taught various skills that include self-awareness, motivational speeches, stress management and many more skills that can help them in developing their personality.

Apart from these activities, Adarsh Credit Co-operative Society has also worked for disaster relief and set up camps for flood victims as well. Recently a camp was also organized to provide hygiene basic products to women such as baby kits, sanitary napkins, and petticoats.

If we want to enlist the activities by Adarsh Credit Co-operative Society that they have carried out for the betterment of the nation then it may take ages. So visit to get detailed information about all the activities.

You can even visit the nearest branch of Adarsh Credit Co-operative Society to know more or just browse through

adarsh sahkar sarita

Adarsh Credit to help Ajay Nehra to take part in floorball championship

Adarsh Credit Co-operative Society is known for its various beneficial financial products as well as the inputs in the development of the society as well as the nation as a whole. As a part of this mission to contribute to the well-being of the nations, Adarsh Credit Co-operative Society decided to help youth in achieving their goals that lay unfulfilled due to lack of financial aid.

Recently, Adarsh Credit Co-operative Society took an initiative to help a young and ambitious floorball player, Ajay Nehra. Witnessing the caliber and talent in Ajay, Adarsh Credit decided to give him financial aid to attend under-19 international floorball championship that will be held in Singapore.

In an interview, Ajay Nehra gave a brief about the floorball game, his happiness to receive a financial aid to grow more and about the under-19 international floorball championship. Here are a few glimpses of what Ajay Nehra had to say during the interview.

Firstly Ajay Nehra gave an introduction to floorball game comparing it with floor hockey and gave details about it. Adarsh Credit Co-operative Society and its members were keen to hear about Ajay Nehra’s growth as a player, to which he responded saying that he has been playing floorball from 4 years and wants to build a career as a floorball player.

Ajay Nehra expressed his gratitude and happiness towards Adarsh Credit Co-operative Society for giving financial aid to fulfill his dream of getting a chance to attend the under-19 international floorball championship. He especially thanked Mr. Rahul Modi, Managing Director, Adarsh Credit Co-operative Society for inspiring and helping him to attend the floorball championship.

This championship is going to be held from 24th July 2018 and Adarsh Credit Co-operative Society wished Ajay Nehra good luck to achieve his dream and become a renowned floorball player. To get details about Adarsh Credit Co-operative Society’s contributions visit