Fixed Deposit – Monthly Interest Scheme
The Fixed Deposit – Monthly Interest Scheme offered by Navodyama Arthika Souharda Sahakari Sangha Niyamita is a secure and rewarding investment option designed for members who require a regular monthly income while preserving their principal investment. By investing a lump sum amount for a fixed tenure, members receive interest every month, making it an ideal choice for individuals seeking financial stability and predictable cash flow.
This scheme is especially beneficial for senior citizens, retirees, salaried individuals, professionals, business owners, and homemakers who wish to supplement their monthly income without exposing their savings to market risks. With guaranteed returns, flexible tenure options, and the trust of a cooperative institution, the Monthly Interest Scheme provides peace of mind and financial security.
- Attractive interest rate of 10% per annum
- Minimum deposit amount as prescribed by the Society
- Flexible tenure options ranging from 3 months to 10 years
- Choice of Monthly Interest or Cumulative Deposit
- Guaranteed returns with no market risk
- Safe and secure investment with transparent operations
- Nomination facility available
- Auto-renewal facility available upon request
- Loan facility against eligible Fixed Deposits
- Premature withdrawal facility as per Society rules and applicable terms
- Additional benefits for Senior Citizens as per Society policy
Assured Returns
Earn a guaranteed 10% per annum interest without worrying about stock market fluctuations or investment risks.
Flexible Investment Options
Invest according to your financial goals by selecting the deposit amount, tenure, and preferred interest payout option.
Monthly Income Option
Receive interest every month to create a regular income stream, making it ideal for retirees, senior citizens, and individuals seeking fixed monthly earnings.
Higher Wealth Creation
Choose the cumulative option to allow your investment to grow through compounded interest until maturity.
Financial Security
Your investment remains safe while generating predictable returns, helping you meet important life goals with confidence.
Loan Against Fixed Deposit
Members may avail loans against eligible Fixed Deposits without prematurely closing their investment, subject to the Society's lending policy.
Nomination Facility
Protect your family's financial future by registering a nominee who can claim the deposit in accordance with applicable rules.
Easy Renewal
Continue growing your wealth by renewing your deposit upon maturity with minimal documentation.
Interest Payment Options
Monthly Interest Deposit — Receive interest every month. Suitable for pensioners, retirees, and members seeking regular income.
Cumulative Fixed Deposit — Interest is compounded and paid along with the principal amount at maturity. Ideal for long-term savings and maximum wealth creation.
Our Fixed Deposit Scheme is suitable for:
- Salaried Employees
- Business Owners
- Professionals
- Senior Citizens
- Farmers
- Self-Employed Individuals
- Homemakers
- Trusts and Institutions (subject to eligibility)
- Anyone looking for secure, guaranteed returns
- 10% p.a. attractive interest rate
- Guaranteed returns
- Safe and secure investment
- Flexible tenure options
- Monthly income or cumulative growth
- Loan facility against deposits
- Trusted cooperative financial institution
- Simple documentation and quick processing
- Transparent policies and member-focused service
Documents Required
- Membership ID (where applicable)
- Aadhaar Card
- PAN Card (if applicable)
- Passport-size Photograph
- Address Proof
- Mobile Number
- Nomination Details
- Recent Passport Size Photograph
- Monthly interest payout for a regular and predictable income
- Minimum investment starts from ₹1,00,000
- Minimum tenure of 2 years
- Guaranteed and secure investment with assured returns
- Principal amount remains safe throughout the investment period
- Nomination facility available for financial security
- Ideal for retirees, senior citizens, and individuals seeking a steady monthly income
- Regular Members: Earn an attractive interest rate of 10.5% per annum.
- Senior Citizens: Receive a higher interest rate of 11.0% per annum.
- Monthly Interest Credit: Interest is paid every month, ensuring consistent cash flow throughout the investment period.
- Guaranteed Returns: Fixed interest rates provide stable and predictable monthly earnings.
Illustrative Monthly Interest (10.5% p.a.)
| Investment Amount | Monthly Interest |
|---|---|
| ₹1,00,000 | ₹875 |
| ₹2,00,000 | ₹1,750 |
| ₹5,00,000 | ₹4,375 |
| ₹10,00,000 | ₹8,750 |
Senior Citizen Monthly Interest (11.0% p.a.)
| Investment Amount | Monthly Interest |
|---|---|
| ₹1,00,000 | ₹917 |
| ₹2,00,000 | ₹1,833 |
| ₹5,00,000 | ₹4,583 |
| ₹10,00,000 | ₹9,167 |
Deposit Schemes
Loans
- 3111 West Allegheny Avenue Pennsylvania 19132
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1-982-782-5297
1-982-125-6378 - support@consultio.com
