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Adarsh Monthly Income


The Monthly Income Scheme (MIS) is a unique scheme where members can invest a specific amount and get returns every month till the end of the tenure at our competitive MIS interest rate. Members can choose investment amount along with the duration and earn interest on the same.

Period (in months)Rate of Interest (in % per annum)Monthly Income on ₹ 10,000 invested (in ₹)

Special Interest Rates*

1.00% additional interest for women on fixed deposits
1.00% additional interest for senior citizens (members above 50 years in age) on FD
*Special interest rates applicable as per Society’s Terms & Conditions
Interest rates effective from Aug 01, 2017


What is the tenure of Monthly Income Scheme?

Our Monthly Income Scheme is available with various tenures like 1 year, 2 years, 3 years, 4 years, 5 years and a maximum tenure of 6 years.

What is the minimum investment amount for Monthly Income Scheme?

The minimum amount of investment is Rs. 10,000 for Monthly Income Scheme and after that, one can invest in multiples of Rs. 1,000 in this product.

How much interest can a member earn in Monthly Income Scheme?

The interest rate of the product are as follows:-

  • 1 Year – 8.50% Yearly
  • 2 Years – 8.50% Yearly
  • 3 Years – 9.00% Yearly
  • 4 Years – 9.00% Yearly
  • 5 Years – 9.50% Yearly
  • 6 Years – 9.50% Yearly

Is there any facility for prematurity in Monthly Income Scheme?

Members can premature this deposit as per following rules:-

  • (A) MIS for 01 Year:- The member can get prematurity after 06 months
  • (B) MIS For 02 Years:- The member can get prematurity after 12 months
  • (C) MIS For 02 To 06 Years:- The member can get prematurity after 24 months

(The interest paid monthly will be recovered)

Is there any facility for loan in Monthly Income Scheme?

Yes! Loan facility is available against Monthly Income Scheme. Members can avail maximum 60% loan against their investment amount. Interest rate will be applicable as per rules of the Society.

Are there any special benefits in 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 is given. If a woman is also a senior citizen, then she can get only one benefit.

Are the value date and maturity dates included for interest calculation?

Inception date is included while maturity date is not included for interest calculations.


Like other investment schemes of Adarsh Credit Co-operative Society, MIS also promises guaranteed secure returns. Our Monthly Income Scheme is a unique scheme that allows members to invest a specific amount of money and get return every month within the defined tenure along with special MIS interest rate. Investment amount and duration can be selected by the member and interest can be gained on the same.

We, at Adarsh Credit Co-Operative Society, let you invest under MIS for the tenure minimum of 1 year and maximum of 6 years. The minimum amount of MIS investment is ₹ 10,000 after which you may invest in the multiples of ₹ 1000. We offer you an MIS interest rate of upto 9.50%. With such a higher rate of interest, Adarsh offers you the best Monthly Income Scheme. Invest in MIS today!

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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