Exclusive Member Benefits- only for Share holders and Referral Members- Scholar Ship/Awards to member & their children's **Study Subsidy **Medical Benefit Schemes**Natural Death Benefit**Accidental Death Benefit**Funeral Grant** Exclusive Member Benefits- only for Share holders and Referral Members- Mobile & DTH Recharge Services**Bus Flight Ticket Services**Social Recreational Activities.**Share Dividend and Many more Benefits & Privilages for Members.
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Daily Deposit Scheme :- Aavishkar souharda Multipurpose Co-operative Limited.

Uninterrupted savings habit of bees resulted sweetest honey. Own the habit of that wonderful creature for a better and secured tomorrow. The deposit scheme is suitable for people from all sections of society. You can save a little amount through our authorized member agents. And this small endeavor grows silently over a period of time in to a lump sum which helps for meeting future commitments.

Period Rate Of Interest Maturity Value On100/- Rs
6 Month 5% 9,056/-
9 Month 8% 27,870/-
15 Month 9% 48,310/-
18 Month 10% 59,012/-
24 Month 11% 82,089/-

Aavishkar souharda Multipurpose Co-operative Limited.


One Year Daily Deposit Scheme (DDS)
1. Plan period 12 months
2. The minimum investment plan of Rs 20 and in multiple of Rs. 10
3. Daily trappings must be 25 days in a month
4. 6 percent annual interest rate on deposits
5. Borrow up to 60 percent of deposits, minimum 1000 / - Rs payable on the loan
6. 17 percent annual interest on loans, monthly compound rate
7. Prepayment Facility
a)   3 months no payment facility
b)  3 months to 6 months 2 percent Service Charge payable
c)  6 to 9 months No interest payable
d)  After 9 months and before 12 months 4 percent simple interest payable
8. Changes in the terms of the plan, renovation, addition and amend by the Aavishkar souharda Multipurpose Co-operative Limited.
Calculating the Annual Compounded Rate of Interest
Amound Per Day Total Deposit Interest Payable Ammount
25 9000 292.5 9292.5
50 18000 585 18585
100 36000 1170 37170
1000 360000 11700 371700
Two-year-old daily deposit scheme (DDS)
1. Plan period 24 months
2. The minimum investment plan of Rs 20 and in multiple of Rs. 10
3. Daily trappings must be 25 days in a month
4. 9 percent annual interest rate on deposits
5. Borrow up to 60 percent of deposits, minimum 1000 / - Rs payable on the loan
6. 17 percent annual interest on loans, monthly compound rate
7. Prepayment Facility
a) 15 months no payment facility
b) 15 months to 18 months 2 percent Service Charge payable
c) 18 to 21 months No interest payable
d) After 21 months and before 24 months 6 percent simple interest payable
8. Changes in the terms of the plan, renovation, addition and amend by the Aavishkar souharda Multipurpose Co-operative Limited.
Calculating the Annual Compounded Rate of Interest
Amound Per Day Total Deposit Interest Payable Ammount
25 18000 1687.5 19687.5
50 36000 3375 39375
100 72000 6750 78750
1000 720000 67500 787500
Three-year-old daily deposit scheme (DDS)
1. Plan period 36 months
2. The minimum investment plan of Rs 20 and in multiple of Rs. 10
3. Daily trappings must be 25 days in a month
4. 11 percent annual interest rate on deposits
5. Borrow up to 70 percent of deposits, minimum 1000 / - Rs payable on the loan
6. 17 percent annual interest on loans, monthly compound rate
7. Prepayment Facility
a) 18 months no payment facility
b) 18 to 24 months No interest payable
c) 24 months to 30 months 5 percent Service Charge payable
d) After 30 months and before 36 months 8 percent simple interest payable
8. Changes in the terms of the plan, renovation, addition and amend by the Aavishkar souharda Multipurpose Co-operative Limited.
Calculating the Annual Compounded Rate of Interest
Amound Per Day Total Deposit Interest Payable Ammount
25 27000 4578.5 31578.5
50 54000 9157 63157
100 108000 18315 126315
1000 1080000 183150 1263150
Four-year-old daily deposit scheme (DDS)
1. Plan period 48 months
2. The minimum investment plan of Rs 20 and in multiple of Rs. 10
3. Daily trappings must be 25 days in a month
4. 12 percent annual interest rate on deposits
5. Borrow up to 70 percent of deposits, minimum 1000 / - Rs payable on the loan
6. 17 percent annual interest on loans, monthly compound rate
7. Prepayment Facility
a) 24 months no payment facility
b) 24 to 30 months No interest payable
c) 30 months to 36 months 5 percent Service Charge payable
d) After 36 months and before 48 months 8 percent simple interest payable
8. After maturity, interest or other benefits will not be payable.
9. Changes in the terms of the plan, renovation, addition and amend by the Aavishkar souharda Multipurpose Co-operative Limited.
Calculating the Annual Compounded Rate of Interest
Amound Per Day Total Deposit Interest Payable Ammount
25 36000 8820 44820
50 72000 17640 89640
100 144000 35280 179280
1000 1440000 352800 1792800
Five-year-old daily deposit scheme (DDS)
1. Plan period 60 months
2. The minimum investment plan of Rs 20 and in multiple of Rs. 10
3. Daily trappings must be 25 days in a month
4. 12.5 percent annual interest rate on deposits
5. Borrow up to 70 percent of deposits
6. 17 percent annual interest on loans, monthly compound rate
7. Prepayment Facility
a) 30 months no payment facility
b) 30 to 36 months No interest payable
c) 36 months to 48 months 5 percent Service Charge payable
d) After 48 months and before 60 months 8 percent simple interest payable
8. After maturity, interest or other benefits will not be payable.
9. Changes in the terms of the plan, renovation, addition and amend by the Aavishkar souharda Multipurpose Co-operative Limited.
Calculating the Annual Compounded Rate of Interest
Amound Per Day Total Deposit Interest Payable Ammount
25 45000 14296.5 59296.5
50 90000 28593 118593
100 180000 57187 237187
1000 1800000 571875 2371875

Tripal of your investment
4 times of investment
Get 14% on your investment
Get 11% on your investment