Disciplined Savings Habit

• Encourages regular monthly deposits without the need for large lump sums.
• Builds a consistent saving routine suitable for all income groups.
• Helps achieve long-term financial goals through small contributions.
• Reduces the risk of impulsive spending with committed savings.
• Suitable for both salaried individuals and self-employed earners.

Assured and Fixed Returns

• Offers fixed interest rates that remain constant throughout the tenure.
• Returns are guaranteed, making it a low-risk investment choice.
• Not affected by market fluctuations or economic downturns.
• Ideal for conservative investors seeking predictable outcomes.
• Final maturity value is clearly known from the start.

Compound Interest Benefit

• Interest is compounded quarterly and added to the deposit.
• Over time, compounding significantly increases the total maturity amount.
• Longer tenures benefit more due to multiple compounding cycles.
• Helps grow savings steadily without additional investment.
• Encourages staying invested for the full term to maximize growth.

Flexibility in Tenure and Amount

• Offers a wide range of tenures from 6 months to 10 years.
• Monthly installment amounts can be selected as per capacity.
• Allows creation of multiple RDs for different savings goals.
• Easy to manage through standing instructions or auto-debit.
• Can be started even with low minimum deposits.

Safe and Accessible Option

• Backed by regulated banks and insured under deposit protection rules.
• Easy to open online or at a branch with simple documentation.
• Nomination, premature closure, and loan facilities available.
• Suitable for long-term planning like education, travel, or emergencies.
• Reliable alternative to market-linked instruments for steady growth.