FIXED DEPOSIT (FD)
Fixed Deposit is available with various tenures which the members can choose as per their requirement. 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.
| DIP. AMOUNT | 2 YEARS | 3 YEARS | 4 YEARS | 5 YEARS | 7 YEARS | 8 YEARS | 10 YEARS | 12 YEARS |
|---|---|---|---|---|---|---|---|---|
| 1000 | 1210 | 1331 | 1464 | 1611 | 2012 | 2223 | 2714 | 3498 |
| 5000 | 6050 | 6655 | 7320 | 8053 | 10058 | 11114 | 13570 | 17492 |
| 10000 | 12100 | 13310 | 14641 | 16105 | 20116 | 22228 | 27141 | 34985 |
| 15000 | 18150 | 19665 | 21962 | 24158 | 30174 | 33342 | 40711 | 52477 |
| 20000 | 24200 | 26600 | 29282 | 32210 | 40231 | 44456 | 54282 | 69969 |
| 25000 | 30250 | 33275 | 36602 | 40263 | 50289 | 55570 | 67854 | 87461 |
| 30000 | 36300 | 39930 | 43923 | 48315 | 60347 | 66684 | 81422 | 104954 |
| 35000 | 42350 | 46585 | 51244 | 56368 | 70405 | 77798 | 94993 | 122446 |
| 40000 | 48400 | 53240 | 58564 | 64420 | 80463 | 88912 | 108563 | 139938 |
| 50000 | 60500 | 66550 | 73205 | 80526 | 100579 | 111139 | 135704 | 174923 |
| 60000 | 72600 | 79860 | 87846 | 96631 | 120694 | 133367 | 162845 | 209907 |
| 70000 | 84700 | 93170 | 102487 | 112736 | 140810 | 155595 | 189986 | 244892 |
| 80000 | 96800 | 106480 | 117128 | 1228841 | 160926 | 177823 | 217126 | 279876 |
| 100000 | 121000 | 133100 | 146410 | 161051 | 201157 | 222279 | 271408 | 349845 |
| 200000 | 242000 | 266200 | 292830 | 322102 | 402315 | 444558 | 542816 | 699690 |
| 500000 | 605000 | 665500 | 732050 | 805255 | 1005787 | 1111394 | 1357040 | 1749225 |
| 1000000 | 1210000 | 1331000 | 1464100 | 1610510 | 2011574 | 2222789 | 2714081 | 3498451 |
A Fixed Deposit is available for various tenures like 1 years, 2 years, 3 years, 4 years and a maximum tenure of fiv years.
The minimum amount of investment is Rs. 1,000 for the Fixed Deposit and after that, one can invest multiples of Rs. 1000 in this product.
The interest rate of the product are as follows:
- 1Year - 9.00% Yearly
- 2Year - 10.00% Yearly
- 3Year - 10.00% Yearly
- 4Year - 10.00% Yearly
- 5Year - 10.00% Yearly
- 7Year - 10.50% Yearly
- 8Year - 10.50% Yearly
- 10Year - 10.50% Yearly
- 12Year - 10.50% Yearly
Yes! Loan facility is available against Fixed Deposit as per the following rules:-
(A) After 24 months, the members can avail maximum 50% loan against their investment amount in FD. Interest rate will be applicable as per rules of the Nidhi.
(B) After 36 months, the member can avail maximum 75% loan against their investment amount in FD. Interest rate will be applicable as per rules of the Nidhi.
(A) After 24 months, the members can avail maximum 50% loan against their investment amount in FD. Interest rate will be applicable as per rules of the Nidhi.
(B) After 36 months, the member can avail maximum 75% loan against their investment amount in FD. Interest rate will be applicable as per rules of the Nidhi.
Yes! A special benefit of 0.50% for women and 0.50% 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.