Major financial services offered by adarsh

Major financial products of Adarsh Credit Co-operative Society

Introduction • Industry: Financial Services • Location: Headquarter at Ahmedabad, Gujarat and 820+ branches PAN India • One of the most trusted leading co-operative societies in India with a PAN India presence.

• Established in 1999 with a vision to enrich social and financial status of its members and to accelerate its reach across the country by ways of high quality standards, good governance, being customer centric and adoption of eminent advanced technologies.

• Currently having footprints with 820+ physical branches, serving approximately 1.5 million members through a 1 lakh Advisor base.

• Proven as a 24x7 available techno-leading credit co-operative society • First in the country to become eKYC enabled/ Aadhar enabled co-operative society

Financial services offered by Adarsh Credit Co-operative Society • • • • • •

Savings Account Current Account Fixed Deposit Recurring Deposit Daily Deposit Monthly Income

Savings account Adarsh Savings Account Features & Benefits • Minimum Balance Required – NIL (No Frills Account) • Interest Rate – 6% per annum (Quarterly Compound – Pro-Rata Basis Calculation) • Automatic Open Facility with B. P. creation (For New Members) • Unlimited Transactions without any charges • Nomination Facility • SMS Facility • Mobile Application Facility • Fund Transfer Facility through Adarsh Money or NEFT/ RTGS • Incoming NEFT Facility (up to ₹ 49,999/-) • Statement Facility without any charge • No TDS Deduction on interest for Members (as per current IT act)

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Current account Adarsh Current Account Features & Benefits • Minimum Balance – NIL (No Frills Account) • Interest Rate – 5% per annum (Quarterly Compound – Pro-Rata Basis Calculation) • Automatic Open Facility with B. P. Creation (For New Members) • Unlimited Transactions without any charges • SMS Facility • Mobile Application Facility • Fund Transfer Facility through Adarsh Money or NEFT/ RTGS • Incoming NEFT Facility (up to ₹ 49,999/-) • Statement Facility without any charge • No TDS Deduction on interest for members (as per current IT act)

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Fixed deposit • Fixed Deposit is available with various tenures which the members can choose as per their requirement.

• Attractive interest rates are offered based on the tenure of the FD. • 0.50% additional interest for women members on Fixed Deposit 1.00% additional interest for senior citizens (members above 50 years age) on Fixed Deposits PERIOD (IN MONTHS)

INTEREST RATE (IN % PER ANNUM)

12

9.00

24

9.00

36

9.50

48

9.50

60

10.00

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Recurring Deposit • Recurring Deposit (RD) accounts let members deposit a fixed installment every month on which they earn a cumulative return (Yearly Compounding) on maturity.

• Adarsh provides interest rates on the tenure of the RD. • For investment of ₹ 100 per month: • Interest rates effective from May 03, 2017 PERIOD (IN MONTHS)

RATE OF INTEREST (IN % PER ANNUM)

MATURITY AMOUNT (IN ₹)

12

9.00

1,259.00

24

9.50

2,643.00

36

10.00

4,187.00

48

10.50

5,929.00

60

11.00

7,919.00

72

11.00

10,061.00

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Daily deposit • Even the smallest savings count on a rainy day. Daily Deposit Scheme is a popular product which works on the same philosophy.

• With as low as ₹ 10 per day, you can save enough money along with earning an impressive interest as well. It is popularly known as Pigmy Deposit.

• Minimum amount ₹ 10 or multiple of ₹ 5 • Interest rates effective from May 03, 2017 Interest is basis on daily products PERIOD (IN MONTHS)

RATE OF INTEREST (IN % PER ANNUM)

12

8.00

24

10.00

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Monthly Income • The Monthly Income (MI) is a unique scheme where members can invest lump sum amount and get returns every month till the end of the tenure after adding a special interest rate.

• Special Interest Rates • 0.50% additional interest for women on fixed deposits • 1.00% additional interest for senior citizens (members above 50 years in age) on FD PERIOD (IN MONTHS)

RATE OF INTEREST (IN % PER ANNUM)

MONTHLY INCOME ON ₹ 10,000 INVESTED (IN ₹)

12

8.50

70.83

24

8.50

70.83

36

9.00

75.00

48

9.00

75.00

60

9.50

79.17

72

9.50

79.17

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