1.  Interest will be calculated on yearly basis.
2. Recurring Deposit minimum amount Rs.100/- thereafter in multiples of Rs.100/-
3. Loan on deposits will be charge at 18% yearly compound interest basis.
4. Lapse on payment of installment amount will make the defaulter pay Rs.2 per 100 per month with installment amount.
5. 1 month after paying last installment or maturity amount due date whichever is more wilt be applicable for payment of maturity amount.
6. Irregular deposit are not entitled for pre mature payment and loan facility against it.
7. On irregular deposits if all irregular pending deposits are  paid than such account will pe treated as irregular. Even if  there is default in payment of 1 installment, the said account will be treated as irregular
8. After maturity date. Payment on irregular accounts will be  made after deducting the penalty amount maximum to the limit of interest earned on such account .

No deduction will be made on principle amount of such accounts.

On 48 month and 60 month deposit schemes. After 1.5 years (after receiving of 18 installments) loan up to 70% of deposited amount will be given

Payment on pre mature Recurring Deposits:

1. On 1-3 year deposit scheme: Not applicable.
2. On 4 years deposit scheme: After completion of 24 month pre mature payment will made and 6% interest will be applicable on such amount on yearly basis.
3. On 5 years deposit scheme: after completion of 30 month pre mature payment will be made and 8% interest will be application on such amount on yearly basis.