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Adarsh Fix Deposite

Fixed Deposit is available with various tenures which the members can choose as per their requirement. Attractive interest rates are offered based on the tenure of the Fixed Deposit.

Period (in months)Interest Rate (in % per annum)
129.00
249.00
369.50
489.50
6010.00

Additional Special Interest Rates*

0.50% additional interest for women members on Fixed Deposit
1.00% additional interest for senior citizens (members above 50 years age) on Fixed Deposits
*Special interest rates applicable as per Society’s Terms & Conditions
Interest rates effective from May 03, 2017

FAQs

What is the tenure of Fixed Deposit?

A Fixed Deposit is available for various tenures like 1 year, 2 years, 3 years, 4 years and a maximum tenure of 5 years.

What is the minimum investment amount for Fixed Deposit?

The minimum amount of investment is Rs. 1,000 for Fixed Deposit and after that, one can invest in multiples of Rs. 100 in this product.

How much interest can a member earn in Fixed Deposit?

The interest rate of the product are as follows:-

  • 1 Year – 9.00% Yearly
  • 2 Years – 9.00% Yearly
  • 3 Years – 9.50% Yearly
  • 4 Years – 9.50% Yearly
  • 5 Years – 10.00% Yearly

Is there any facility for prematurity in Fixed Deposit?

Members can premature the product as per the following rules:-

  • <=18 months → Prematurity facility not available
  • > 18 months → Member can avail prematurity

Is there any other facility for loan in Fixed Deposit?

Yes! Loan facility is available against Fixed Deposit as per the following rules:-

  • (A) FD for the period of 01 to 04 years → Members can avail maximum 60% loan against their investment amount in FD. Interest rate will be applicable as per rules of the Society.
  • (B) FD for 05 years → After 12 months, the member can avail maximum 60% loan against their investment amount in FD. Interest rate will be applicable as per rules of the Society.

Are there any special benefits in the rate of interest for senior citizens and women?

Yes! A special benefit of 0.50% for women and 1% for senior citizens on basic rate of interest are applicable. If a woman is also a senior citizen, then she can get only one benefit.