Deposit Schemes

Savings plans that reward patience

Every rate below is set by the Board and published openly. Pick a scheme to see the full rate table, eligibility, documents and an inline calculator.

Fixed Deposit Plan

Fixed deposit in multiples of ₹1,000 with cumulative and non-cumulative options.

12 months · 10.25% 24 months · 11.25% 36 months · 11.75% 48 months · 12.25% 60 months · 12.75%

Up to

12.75%

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Recurring Deposit Plan

Monthly recurring deposit in multiples of ₹100 with maturity bonus.

24 months · 10.5% 36 months · 11.5% 60 months · 12.75%

Up to

12.75%

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Daily Deposit Scheme

Daily collection scheme — multiples of ₹100, maximum ₹5,000 per day.

12 months · 9.5% 24 months · 10.5% 36 months · 11.5%

Up to

11.5%

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Monthly Income Scheme

Monthly interest payout; principal returned at maturity.

24 months · 10.8% 36 months · 12% 60 months · 13.2%

Up to

13.2%

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Samrridhi Sukanya Yojna

Special

72-month recurring deposit @ 12.75% + 1% Samman Nidhi bonus on maturity.

72 months · 12.75%

Up to

12.75%

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Samrridhi Kanyadan Yojna

Special

72-month fixed deposit @ 12.75% + 1% Samman Nidhi bonus on maturity.

72 months · 12.75%

Up to

12.75%

View details →