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Adarsh Fix Deposite

FIXED DEPOSIT

Fixed Deposit is available with various tenures which the members can choose as per their requirement. Short-term fixed deposits are also available that allow you to invest your savings for short tenure such as 3 months, 6 months and 9 months. Attractive FD interest rates are offered based on the tenure of your Fixed Deposit. Have a look at the FD interest rates for different tenures.

Short Term Deposit Schemes

Duration Rate of interest annual
(On deposit of less than ₹ 15 lacs)
Rate of interest annual
(On deposit of ₹ 15 lacs and above but less than ₹ 50 lacs)
Rate of interest annual
(On deposit of ₹ 50 lacs and above but less than ₹ 1 crore)
Rate of interest annual
(On deposit of ₹ 1 Crore and above)
3 Months 7.00% 7.25% 7.50% 7.75%
6 Months 8.00% 8.25% 8.50% 8.75%
9 Months 9.00% 9.25% 9.50%

9.75%

Fixed Deposit Schemes

Lump sum deposit amount Duration & Rate of Interest
1 & 2 Years 3 & 4 Years 5 & 6 Years 7 & 8 Years 9 & 10 Years
On deposit upto ₹ 5 lacs
Minimum deposit of ₹ 1,000 and further in multiples of ₹ 1,000
10.00% 11.00% 12.00% 13.00% 14.00%
On deposit of ₹ 5 lacs and above but less than ₹ 15 lacs
Minimum deposit of ₹ 5,01,000 and further in multiples of ₹ 1,000
10.25% 11.25% 12.25% 13.25% 14.25%
On deposit of ₹ 15 lacs and above but less than ₹ 25 lacs
Minimum deposit of ₹ 15,01,000 and further in multiples of ₹ 1,000
10.50% 11.50% 12.50% 13.50% 14.50%
On deposit of ₹ 25 lacs and above but less than ₹ 50 lacs
Minimum deposit of ₹ 25,01,000 and further in multiples of ₹ 1,000
10.75% 11.75% 12.75% 13.75% 14.75%
On deposit of ₹ 50 lacs and above but less than ₹ 1 crore
Minimum deposit of ₹ 50,01,000 and further in multiples of ₹ 1,000
11.00% 12.00% 13.00% 14.00% 15.00%
On deposit of ₹ 1 crore and above
Minimum deposit of ₹ 1,00,01,000 and further in multiples of ₹ 1,000
11.50% 12.50% 13.50% 14.50% 15.50%

Interest rates effective from july 01, 2018

FAQs

What is the tenure of Fixed Deposit?

A fixed deposit is available for various tenures of 3,6,9 months and from 1 to 10 years.

What is the minimum investment amount for Fixed Deposit?

The minimum amount of investment is Rs. 1000 and after that further in multiples of Rs. 1000

Is there any facility for prematurity in Fixed Deposit?

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

  • 3 to 12 months scheme → Prematurity payment facility not available.
  • For 2 to 5 years scheme → Prematurity facility not available up to 18 months. On any prematurity after 18 months interest rate will be applicable as per society’s terms and conditions.
  • For 6 to 10 years scheme → Prematurity facility not available up to 36 months. On any prematurity after 36 months interest rate will be applicable as per society’s terms and conditions.

Is there any other facility for loan in Fixed Deposit?

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

  • (A) 3 to 9 months scheme: Loan facility not available
  • (B) 1 year to 4 year scheme: Maximum up to 60% of the deposit amount.
  • (C) 5 year to 10 year scheme: After 12 months, maximum up to 60% of deposited amount

Interest rate will be applicable as per society’s terms and conditions.

GET COMPETITIVE FIXED DEPOSIT RATES

Adarsh Credit Co-operative Society Ltd. brings for you different investments schemes through which you can reap competitive interests and make your investments grow in a short period of time. Our Fixed Deposit scheme allows you to invest your valuable savings at comparative FD interest rates. Adarsh Credit Co-operative Society allows you to invest in FD for tenure minimum of 3 months and maximum of 10 years with varying interest rates.

As far as the deposit amount of Fixed Deposit is concerned, it can be as small as just Rs.1000. Further, you can make an investment in the multiples of Rs.100. By making just small investments, you can reap visibly good returns at the end of tenure.

Also, we offer you the short-term fixed deposits under which you are allowed to invest your life savings in FDs for shorter tenures. You may invest in short-term fixed deposits for the tenure of 3 months, 6 months or 9 months. On your FDs, you get highly beneficial FD rates, ranging from 7.00% to 9.75%. So invest in Adarsh Credit’s Fixed Deposit schemes today and get competitive returns on your investments.

Now we have expanded our services for lump sum investments higher than 15 Lakhs. You will get special and higher interest rates with this lump sum investment scheme ranging from 10% to 15.5%.

Disclaimer: All the products and services of the Society are exclusively available for members of Adarsh Credit Co-operative Society Ltd. only.

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