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Best investment scheme by adarsh credit

Celebrating 20 years of Adarsh Credit Co-operative Society

It all began with the legendary vision of Mr Mukesh Modi. After spending a long time of his life in a regular way as everyone does, he realised that he wanted to do something for the betterment of the people of the society. His realisation led to the foundation of Adarsh Credit Co-operative Society in the year 1999 in a small town of Sirohi, Rajasthan. The Credit Co-operative Society began in a form of small society, initially, to cater to the needs of the local masses in Rajasthan, the majority of whom who belonged from the agricultural background. The message was clear: This Credit Co-operative Society is meant to uplift the weaker sections of our weaker sections belonging to the rural areas of the country.

The journey so far:

In the past 20 years, Adarsh Credit Co-operative Society has evolved from that small credit co-operative to the largest credit co-operative society of India. We received the status of Multistate Credit Co-operative Society by the Ministry of Agriculture, Government of India in February 2008. Since then, we have strived to grow and connect the rural parts of India to the mainstream. Today, in 2019, we have more than 800 branches, 3.7 lakh advisors and more than 2 million members in our society. We have embraced various trends in the market which are beneficial to the members of our society. One such trend is the wave of digitisation which has impacted the world immensely. We brought up our mobile application, the Adarsh Money mobile application, for both advisors and members. By doing so, we became the first Credit Co-operative of India to have our own mobile application. This mobile application now accounts for 99% of our regular transactions.

Our investment schemes:

When it comes to investment schemes, our investment schemes have got better and better with every passing year. In this quest, we have introduced many such schemes and removed a few which were not proving to be beneficial for our members. Their increased flexibility, lesser amounts of deposits and convenience of accessing them has appealed our members and help them, make the most of our investment schemes. A few of our well-known investment schemes are Savings account, Fixed Deposit, Daily Deposit Scheme or Pigmy Deposit Scheme, Adarsh Bachat Patra and 10-Year Flexi Deposit Scheme.

Our future endeavours:

We, at Adarsh Credit Co-operative Society, will continue to strive towards our vision of connecting rural India to the other parts of the country. By introducing a number of customer-centric investment schemes, we will motivate people across all ages to save their money and invest it in the right places. As we have always conveyed, such money can save your gut under difficult times and can help you fulfil all your desires without stressing on your pockets.

So, become a member at Adarsh Credit Co-operative Society. Visit our society to know more about us.

Adarsh Credit Saving Account scheme

Lead a dignified retirement life with investment schemes by Adarsh Credit

When you are young and working, you hardly think about the time when you will grow old and you will retire. At that time, you will neither have the energy to work nor a stable source of income to support your everyday expenses. Hence, it is essential to start saving for your retirement early so that you can have a decent amount with you by the time you retire. Not only will it help you in managing routine expenses at that time but will also support you in leading a dignified life.

While there are many organisations which offer retirement plans, it is preferable that you do detailed research on them before choosing one. Remember, the wiser your decisions are, the better it is for you.

In order to help you sail through the confusion, we at Adarsh Credit, present a few investment schemes which will be a good choice for your retirement.

Savings account

When you plan investments for your retirement, remember not to invest all your money in long term investment schemes. Invest a decent amount in easily accessible schemes as well as it will help you in times of emergencies. One such investment can be a Savings account. This scheme is easily accessible and usually offers decent interest rates. At Adarsh Credit, you will fetch an interest rate of 6.75% along with other facilities like zero-facility facility, free statement facility, unlimited number of transactions, etc.

Fixed Deposit

Fixed Deposits can prove to be one of the suited alternatives when you are considering a number of investment schemes for your retirement. They are a safe bet for your money and prove to be helpful in the long run. At Adarsh Credit, you can choose the tenure of your scheme as per your convenience, from a period of 3 months to 10 years. Moreover, we offer high-interest rates that vary between 10-15%. The higher is the invested amount and the tenure of the scheme, higher is the interest rate.

Adarsh Bachat Patra

Term Deposits are another great way to invest for your retirement. We, at Adarsh Credit Co-operative Society, have revamped the term deposit and named it as Adarsh Bachat Patra. Under this scheme, you will be able to double your investments after the tenure of 72 months. The initial investment is as low as Rs.500 with further investments in multiples of Rs.100. Thus, you don’t have to bear the load of saving a large sum of amount for your retirement. Even small savings can do wonders.

Share Capitals

Share Capitals can prove to be helpful if you want to fetch great dividends by the time you reach your retirement. Unlike other financial organisations, Share Capitals at Adarsh Credit have been moulded to suit the needs of our members. This is the reason that you can purchase a single share for a minimum amount of Rs.10 at Adarsh Credit and get a decent dividend of 16% every year. You also get the liberty to choose the period of your investment which can range anywhere between 1 to 10 years. Moreover, you can withdraw your money as soon as your scheme matures and the maturity amount is transferred within minutes.

So, start planning your retirement and make a wise decision by choosing Adarsh Credit Co-operative Society. To know more about our investment schemes, visit the society today.

Earn more with your FD

How to earn more with your FD

Days are gone when only a few options were available for making an investment. Today, there are a number of options available in a variety of sectors such as stocks and shares, monthly income schemes, National Pension Schemes, SIP, mutual funds, real estate and what not! Despite being a lot of options available, there are people in minds of whom fixed deposits will come first if they are asked about the safest and almost zero-risk option to invest.

Why? Because fixed deposits have shown a lot of benefits to the investors! An FD is one of the most-preferred investment options and the all-time favourite among people. But in this blog, we present you two smart ways with which your FDs will earn you more in addition to the great fixed deposit interest rates.

1) Research always pays off!

How much interest would an FD earn you? That depends on a lot of factors- nature of the FD, its tenure, the rate of interest and the amount to be deposited. So once you decide to invest in an FD, you need to do a good research in order to find out the best scheme of a fixed deposit. Find out which credit co-operative society offers you higher fixed deposit interest rate for shorter tenure. We, at Adarsh credit, offer a high fixed deposit interest rate of up to 10% depending upon the tenure. So, you may consider an FD by Adarsh Credit.

2) Consider reinvesting your FD

On maturity of any fixed deposit, there remain two options on your hands. The first option is to withdraw the maturity amount and block it in one of your major expenses. Secondly, you may reinvest the maturity amount further in another FD or anywhere you wish to. Unless there is a requirement, you may always go for the second option. You wouldn’t realise and the deposited amount will be multiplied by many times in just a few years. This is the wisest option to double or triple your savings. If there isn’t any urgent need or expense, reinvesting the maturity amount is always a very good option.

So keep these two points in mind and start making the most out of your fixed deposits. Cheers!

PS: We have also introduced short-term FDs under which you can invest your money for a short tenure of 3, 6 or 9 months and get high returns. To know more, enquire now.

Financial advisor

Adarsh Credit brings you some sure ways to multiply your savings

 

Everyone on the earth has their own dreams and they hold a capability to fulfil their dreams but what if you are short of money? Being ambitious is one thing and having resources to accomplish the ambitions is another. For this, you need to earn, maybe more than what you get from your regular remuneration.

How is this possible? What are all sources that earn you that extra money? There are, certainly! You need to save at the first and invest your savings in the right instrument. This is how you will be able to make more money and fulfil your ambitions.

1. Setting up achievable goals

Dreaming is okay but it must be within your limits. You can’t become a billionaire in a night or two. So firstly, set up some small achievable goals. You can decide on some small aims such as saving a small portion of 500 rupees every month. But make sure that you keep aside this amount regularly on a monthly basis. This amount will become a huge one after some years. Apart from accomplishing your dreams, these tiny savings will also help you pay out your daily expenses.

2. Make smart investment

This is the most important decision you need to take as it is, after all, going to affect your returns on that investment. To invest, there are multiple options available such as real estate, mutual funds, fixed deposits, daily deposits, recurring deposits, share capital, the stock market, etc. Analyse all the schemes, compare their perks and then decide which suits you the best.

  • Fixed deposits: FD has always remained a lucrative option to invest as it provides secure returns for a fixed tenure on your principal amount. No risk factor and 100 percent guarantee of getting your returns. With Adarsh Credit, you can avail high FD interest rates on your investments.
  • Daily deposits: Also known as Pigmy deposits, these are another most popular instrument when it comes to receiving secure returns. If you can save just a small amount on a daily basis, your savings will become a huge amount one day. This is why the concept of daily deposits has received a huge acceptance. You can earn an impressive interest as well and hence, multiply your savings in no time!
  • Adarsh exclusive schemes: Adarsh Credit society has renowned countrywide for the highest interest-paying schemes. Some Adarsh exclusive investment products such as Adarsh Triple, Adarsh Bachat Patra and Adarsh 18 multiply your savings in a short period of time. You can check our website for more information on this.

3. Saving in specific categories

Consider spending after some certain categories in a month only, according to your priorities. For example, you can go for purchasing a refrigerator (just an example) this month and your office outfits in the next month. This will certainly prevent you from spending on unnecessary things!

4. Taking advice of a financial advisor

If you think that you are amateur at this entire investment game, then why don’t you hire a financial advisor? It will be great to do so as financial advisors are the pro with their investment skills and hence, they can suggest you the most money-minting investment options for your savings. No other could tell you better which all schemes you should invest in!

All these tips are some certain ways to double or triple your hard-earned money savings. So why wait? Start investing from today itself!

 

Adarsh Credit investment schemes

This Diwali, invest with Adarsh Credit and get maximum returns

Needless to say what Diwali expenses are like in India. It is the biggest festival and demands a lot of money expenses. If not spent wisely, all your savings can vanish just in a while! What to do?

Save as much as you can!

Diwali is an extravaganza that comes and steals all your savings away! Saving is most important to cover our major Diwali expenses such as new clothes, household things, gifts, house renovation and more. If you keep a habit of saving a little amount everyday throughout the year, those savings can do a lot for you in during Diwali time.

Are you one of them who believe in storing the savings somewhere in the cupboard? If yes, then you are being greatly mistaken. Because you are missing on a very good rate of interest. Deposit your savings in the right investment scheme and see it get double/triple in no time.

Invest with Adarsh Credit

We at Adarsh Credit Co-Operative Society bring to you some most competitive and money-minting investment schemes which you can consider. This will help you earn higher interest rates and guaranteed good returns. Following are a few of our investment plans:

1. Monthly Income Scheme (MIS)

With Adarsh Credit’s MIS scheme, you may invest a particular amount and get return on it every month till the tenure ends. Tenure of your scheme can be anything ranging from 12 months to 72 months. According to your MIS plan, we offer a high rate of interest (8-10%) on your MIS deposits. Investing your savings in MIS scheme can give you enough money to spend for the Diwali month.

2. A-36 Term Deposit

This is a Term Deposit plan which allows you to deposit an amount of minimum Rs. 500 after which you can deposit in a multiple of Rs. 100. This scheme runs for 36 months (3 years). The rate of interest for A-36 term deposit scheme is 10.13%, compounded quarterly. So if you invest 1 lakh this Diwali, you will get 1 lakh 35 thousand on the Diwali after 3 years.

3. Fixed Deposit

Adarsh Credit offers you high-interest fixed deposit schemes. Based on the tenure of your fixed deposit, attractive FD interest rates are paid. Tenure may vary from 12 months to 60 months and interest, from 9 to 10%.For the women and senior citizen members, we offer 1% extra interest rate on your fixed deposit.

So which investment plan are you willing to go with? Invest now and save for your next many Diwali seasons. Hurry!