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  • Recurring Deposit
(On Deposit of Rs. 1000/- par Month)

Period Rate of Interest Maturity Amount
12 Month 11.00% 12700/-
18 Month 11.00% 19570/-
24 Month 11.25% 26800/-
36 Month 11.50% 42610/-
48 Month 11.75% 60720/-
60 Month 12.50% 82110/-
Tenure of Payment:-
The tenure of the account is 12 months and above.

Mode Of Payment:-
All payments to the company shall be made either in cash or by cheque/draft against the receipt countersigned by its authorized signatory payments by any mode or media other than mentioned above shall be at the member account holder’s own risk. The cheque/draft shall be credited in the name of member Account Holder subject to clearance by the bank. Out station cheques shall not be accepted.

Issue of Passbook
A passbook will be issued to every Member Account Holder. The Member Account Holder shall get the pass book updated at regular intervals. If any discrepancy or difference in the amount is found between the entries made in the passbook and receipts duly countersigned by the authorized signatory of the branch office bearing seal. Payment shall be made on the basis of receipts only.

Terms & Conditions:-

  • Interest will be calculated on yearly basis.
  • Recurring Deposit minimum amount Rs 100/-, thereafter in multiples of Rs 100/-
  • Loan on deposits will be charged at 18% yearly compound interest basis.
  • Lapse on payment of installment amount will make the defaulter pay Rs 2 per 100 per month with installment amount.
  • 1 month after paying last installment or maturity amount due date whichever is more will be applicable for payment of maturity amount.
  • Irregular deposits are not entitled for pre mature payment and loan facility against it.
  • On irregular deposits if all irregular pending deposits are paid then such account will be treated as regular. Even if there is default in payment of 1 installment, the said account will be treated as irregular.
  • After maturity date, payment on irregular accounts will be made after deducting the penalty amount maximum to the limit of interest earned on such account. No deductions will be made on principle amount of such accounts.

Loan facility on Recurring Deposits :

  • On 24 month and 36 month deposit schemes, after 1 year (after receiving of 12 installments) loan up to 60% of deposited amount will be given.
  • On 48 month and 60 month deposit schemes, after 1.5 years (after receiving of 18 installments) loan up to 60% of deposited amount will be given

Payment on pre mature Recurring Deposits :

  • On 1 year deposit scheme: Not applicable
  • On 2 years deposit scheme: After completion of 18 month pre mature payment will be made and 4% interest will be applicable on such amount on yearly basis.
  • On 3 years deposit scheme: After completion of 30 months pre mature payment will be made and 5% interest will be applicable on such amount on yearly basis.
  • On 4 years deposit scheme: After completion of 2 years pre mature payment will be made and 6% interest will be applicable on such amount on yearly basis
  • On 5 years deposit scheme: After completion of 3 years pre mature payment will be made and 7.5% interest will be applicable on such amount on yearly basis.

Contact us

  • info@adnidhi.com
  • +91 9897113988
  • Agra - India
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