Deposit Schemes
Invest your hard-earned money securely with the highest cooperative interest returns. We offer a variety of deposit plans tailored to grow your wealth steadily and safely.
Our Deposit Schemes
Explore our range of deposit options designed to help you save and grow your wealth with attractive interest rates.
Savings Deposits
4.00% p.a.About this Scheme :
Our Savings Bank Deposit account is perfect for individuals looking for regular savings with completely liquid access. Enjoy the flexibility of banking anytime with competitive interest returns.
Why Choose This?
By opening a Savings Bank account with Swasti Kuber, you become part of a cooperative family. Your funds are entirely secure, and you earn an attractive interest rate of 4.00% p.a. which is compounded half-yearly, directly boosting your wealth.
Key Features
Complete Fixed Deposit Rate Chart
| FD Deposit Tenure Period | Normal Rate of Interest | Senior Citizen / Co-op Rate |
|---|---|---|
| 46 days to 90 days | 7% | 7.50% |
| 91 days to 180 days | 7.5% | 8.00% |
| 181 days to 365 days | 8% | 8.50% |
| 13 Months | 9.50% | 10.00% |
| 25 Months | 10% | 10.50% |
| 36 Months | 10.50% | 11.00% |
📜 Interest is calculated quarterly compounding or can be disbursed monthly/quarterly as per member request via the Monthly Interest Scheme (MIS). Premature withdrawals are subject to standard society terms.
Monthly Interest Scheme (MIS) Rates
| MIS Term Duration | MIS Interest Return | Senior Citizen / Co-op Rate |
|---|---|---|
| 1 Year (12 Months) | 7.00% | 7.50% |
| 2 Years (24 Months) | 8.00% | 8.50% |
| 3 Years (36 Months) | 9.00% | 9.50% |
Security & Guarantees
All Swasti Kuber deposit schemes are backed by extremely healthy reserve funds (₹42.6 Lakhs as of 31-03-2026) and conservative loan-to-deposit ratios. Your investments are fully backed by high-quality liquid banking assets, sovereign deposits, and secured gold collateral.
Calculate Your Investment Return
Plan your savings targets. Estimate the exact maturity and earned interest using our interactive deposit tool below.