Deposit

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⤑ Minimum Balance Rs.500/- to be maintained.

⤑ Interest at 3.5% P.A on daily balance will be credited half yearly.

⤑ ECS direct credit facility

⤑ Any Branch Banking facility available

⤑ CTS cheque facility available

⤑ Direct member of clearing house

⤑ Personalized cheque book facility is available across all the branches.

⤑ Convenient for Individual/Traders/Businessmen/Firms and Companies

⤑ Minimum Rs.5000/- Balance required to be maintained

⤑ ECS direct credit facility

⤑ CTS cheque facility available

⤑ Direct member of clearing house

⤑ Cheques deposited for clearing before 12 Noon will be credited next day evening on full working day as per NPCI rules

⤑ Investor can deposit monthly a fixed amount in an account for a fixed period on monthly basis.

⤑ Interest will be credited quarterly rests.

⤑ Interest for 1 year is 7% and above 2 years 8.5%

⤑ Accounts can be opened by Individuals, firms, trusts, HUF etc

⤑ Loan facility available

⤑ Nomination facility available

FIX Deposit interest Rates (Simple Interest) (w.e.f 02.02.2026)
	46	days	to	90 days	4.00%
	91	days	to	180 days	5.00%
	181	days	to	below 1 year	5.50%
above	1	year	to	below 3 years	7.50%
above	3	years	and	above	6.75%

⤑ For Senior citizens 0.5% p.a. additional interest for 1 year and above deposits only.

⤑ Monthly interest will be paid in full.

PRAGATHI Bhagyanidhi Deposit interest Rates (Compound Interest) (w.e.f 02.02.2026)
	1	year	to	3 years	7.50%
above	3	years	to	above	6.75%

⤑ For Senior citizens 0.5% p.a. additional interest for above 1 year deposits only.