Deposit Scheme · Fixed Deposit MIS
Monthly Income Fixed Deposit Plan in Maharashtra
Earn regular monthly income from your savings with flexible tenure and safe, stable returns.
The Fixed Deposit MIS (Monthly Income Scheme) offered by Dnyankrupa Multistate Co-operative Credit Society Ltd. is designed for individuals who want to earn a stable and regular monthly income from their savings.
This scheme allows members to invest a lump sum amount and receive interest payouts at regular intervals, making it an ideal option for individuals seeking consistent cash flow while keeping their principal investment secure. The Fixed Deposit MIS scheme is particularly suitable for senior citizens, individuals planning regular income, and investors who want a safe and structured income-generating investment option.
- Stable monthly income
- Safe and flexible investment plan
- Attractive interest benefits
- Ideal for long-term financial stability
Benefits of Fixed Deposit MIS Scheme
- Simple investment product which offers safety and flexibility.
- Minimum period of deposit: 30 days.
- No limit for maximum period of deposit.
- Minimum amount of deposit starts from ₹500.
- No limit for maximum deposit amount.
- Option of premature or partial withdrawal in case of urgent funds requirement without penalty.
These features provide flexibility while ensuring stable returns for investors.
Rate of Interest
The Fixed Deposit MIS scheme provides competitive interest rates based on the deposit tenure. • Rate of Interest ranges between 5.5% to 8.5% depending on tenure • Senior citizens receive an additional 0.5% interest benefit • Women investors receive an additional 0.5% interest benefit This structure helps maximize returns for eligible investors while maintaining financial security.
| Amount | Interest Rate | Interest Amount | Total Amount |
|---|---|---|---|
| 100000 | 12% | 18000 | 118000 |
| 200000 | 12% | 36000 | 236000 |
| 300000 | 12% | 54000 | 354000 |
| 400000 | 12% | 72000 | 472000 |
| 500000 | 12% | 90000 | 590000 |
| 600000 | 12% | 108000 | 708000 |
| 700000 | 12% | 126000 | 826000 |
| 800000 | 12% | 144000 | 944000 |
| 900000 | 12% | 162000 | 1062000 |
| 1000000 | 12% | 180000 | 1180000 |
Why Choose Fixed Deposit MIS?
Regular Monthly Income
Investors receive periodic income while their principal amount remains invested securely.
Safe Investment Option
The investment is managed under a cooperative financial system focused on member safety.
Flexible Tenure Options
Members can choose deposit duration based on their financial needs.
Suitable for Retirement Planning
The scheme helps individuals create a steady income source during retirement.
Eligibility
- Any individual who is resident of India.
- Minimum age limit is 18 years.
- Accounts can also be opened for minors through guardians.
Documents Required
- Identity Proof of depositor
- Address proof of depositor
- In case of minor account, guardian's documents and signature required
Who Should Invest in FD MIS?
This scheme is ideal for:
- Senior citizens seeking monthly income
- Individuals planning stable cash flow
- Families planning regular financial support
- Investors looking for low-risk income options