Deposit Scheme

Fixed Deposit (FD)

Invest with Confidence. Earn with Assurance.

Looking for a safe and stable way to grow your savings?
The Fixed Deposit schemes from Shivam Sundaram Urban Co-operative Credit Society offer attractive returns, flexible tenures, and complete peace of mind.

💼 Key Features:

Attractive Interest Rates – Higher than regular savings accounts
Flexible Tenures – Choose from 3 months to 5 years
Guaranteed Returns – Fixed interest income, not affected by market fluctuations
Auto-Renewal Facility – Seamless reinvestment at maturity
Safe & Secure – Backed by the reliability of your trusted co-operative society
Loan Against FD – Avail loans without breaking your deposit

Recurring Deposit (RD)

Save Monthly. Earn Big.

Discipline meets growth with our Recurring Deposit (RD) schemes. Perfect for salaried individuals, students, homemakers, or anyone looking to save regularly and earn guaranteed returns.

🌟 Key Features:

Start with Small Monthly Deposits – As low as ₹100
Attractive Interest Rates – Earn more than savings accounts
Flexible Tenures – Ranging from 6 months to 10 years
Lump Sum Return at Maturity – Ideal for planned future expenses
Auto-debit Option – Hassle-free monthly saving from your account
Safe & Risk-Free – 100% capital protection with guaranteed returns
Loan Facility Available – Borrow against your RD balance when needed

Monthly Income Scheme (MIS)

Stable Income. Secure Future.

Looking for a reliable monthly income without risking your savings?
Our Monthly Income Scheme (MIS) is designed to provide regular, fixed income every month — ideal for retirees, homemakers, or anyone seeking steady cash flow.

💼 Key Features:

Fixed Monthly Payouts – Earn interest every month from your one-time deposit
Attractive & Assured Returns – Guaranteed income, unaffected by market risks
Flexible Deposit Tenure – Choose from 1 to 5 years
Senior Citizen Friendly – Higher interest rates for senior depositors
Auto-credit Facility – Monthly interest directly credited to your savings account
100% Safe & Secure – Backed by the trust of your co-operative society

Group Savings Plans

Save Together. Grow Together.

Empower your group—whether it’s friends, family, self-help groups, or small communities—to build a better financial future with our trusted Group Savings Plans.

At Shivam Sundaram Urban Co-operative Credit Society, we believe in the strength of collective savings. Our Group Savings schemes are designed to encourage disciplined saving habits while offering attractive returns and added financial support to all members.

🌟 Key Features:

Designed for Groups – Ideal for SHGs, clubs, employee groups, families, or small organizations
Flexible Monthly Contributions – Start with small amounts from each member
Attractive Interest Rates – Earn more than regular savings
Auto-credit Options – Hassle-free deposits and payouts
Secure & Transparent – Every member gets access to records and account status
Loan Facility for Members – Easy access to credit for individual or group needs

Women Empowerment Savings

Financial Freedom for Every Woman

At Shivam Sundaram Urban Co-operative Credit Society, we believe that empowering women financially empowers entire families and communities. Our Women Empowerment Savings Scheme is specially designed to support women in achieving economic independence and long-term financial security.

💼 Key Features:

Special Savings Accounts for Women
Tailored for homemakers, entrepreneurs, students, and working professionals.
Higher Interest Rates
Attractive returns to help women grow their savings faster.
Zero or Minimal Balance Requirement
Making saving accessible to women from all income levels.
Flexible Deposit Options
Save monthly, quarterly, or as per your convenience.
Safe & Secure
Your funds are protected and transactions are fully transparent.
Mobile & SMS Banking Access
Stay in control of your money from your phone.

Senior Citizens Benefit Scheme

Secure Savings. Special Privileges. Peace of Mind.

At Shivam Sundaram Urban Co-operative Credit Society, we honor and support our senior members with a dedicated scheme that offers enhanced financial security, higher returns, and exclusive services. Our Senior Citizens Benefit Scheme is designed to make your golden years truly stress-free and rewarding.

🌟 Key Features:

Higher Interest Rates
On Fixed Deposits, Recurring Deposits, and Monthly Income Schemes
Special Monthly Income Options
Earn a steady income with assured interest payouts
Zero or Low Balance Savings Accounts
With full-service access and no maintenance pressure
Auto-renewal & Payout Facilities
Convenient handling of deposits and income
Priority Service at Branches
Fast-track assistance and dedicated counters
Loan Facility Against Deposits
Easy liquidity in times of need without breaking your savings

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