स्वच्छ चम्बा बहुउद्देशीय सहकारी बचत व ऋण संस्था सीमित

The first objective of स्वच्छ चम्बा बहुउद्देशीय सहकारी बचत व ऋण संस्था सीमित has always been simple - to become a reliable source of financial support, to people with varied needs. This is reflected in the wide variety of finance services made available by Swachh Chamba, till date. The services aim to financially empower people, in both, the near future and the long run.

Fixed Deposit

From short-term turnaround to long-term benefits Swachh Chamba offers a wide range of slabs for investments in fixed deposits.

 

Term Deposit (w.e.f - 1st December, 2020)

PERIOD

INTEREST RATE (P.A)

1. 30 Days to 45 Days 4.5%

2. 46 Days to 180 Days 6.0%

3. 181 Days to 364 Days 6.5%

4. 1 Year to 2 Years 8.5%

5. 2 Years to 3 Years 9.0%

6. 3 Years to 5 Years 9.5% 

• Simple Interest Calculation

• Quarterly Interest Payable

• 0.5% Extra Interest for Senior Citizens above 60 Years

• Minimum Investment Rs. 5,000/- & multiples of Rs. 1,000/-

 

Reinvestment Deposit 

 

A secure but higher return offering by Swachh Chamba, the reinvestment deposit promises compound interest every quarter, for a faster growth of your savings.

 

Reinvestment Deposit (w.e.f - 1st December, 2020)

PERIOD

INTEREST RATE (P.A)

1 Year 8.5%

2 Years 9.0%

3 Years 9.5%

• Compound Interest Calculation

• 0.5% Extra Interest for Senior Citizens above 60 Years

• Minimum Investment Rs. 5,000/- & multiples of Rs. 1,000/-

 

Kalpavruksha Deposit MIS 

 

A term deposit account that ensures assured monthly income – this deposit scheme helps you plan your financial independence on retirement.

Kalpavruksha Deposit MIS (w.e.f - 1st December, 2020)

PERIOD

INTEREST RATE (P.A)

1 Year 7.5%

2 Years 8.0%

3 Years 8.5%

• Simple Interest Calculation

• Monthly Interest Payable

• 0.5% Extra Interest for Senior Citizens above 60 Years

• Minimum Investment Rs. 10,000/- & multiples of Rs. 1,000/-

 

Saving Deposit

 

An investment that is safe and at the same time provides easy liquidity, while providing an opportunity to earn at attractive interest rates for small amounts as well.

• Highly flexible periods with up to 8 withdrawals per month

• Interest Rate 4.5% P.A

• Simple Interest Calculation on Product of Daily Outstanding Balance

• Half Yearly Interest Payable

• Minimum Investment Rs. 300/- only

• Applicable on running/ongoing accounts

 

Recurring Deposit 

 

A simple yet profitable form of investment tool where the depositor agrees to credit a fixed amount once a month, for a specified period. Total deposit along with interest, payable at maturity.

 

Recurring Deposit (w.e.f - 1st December, 2020)

PERIOD

INTEREST RATE (P.A)

1 Year

7.5%

2 Years

8.5%

3 Years

9.5%

• Compound Interest Calculation

• 0.5% Extra Interest for Senior Citizens above 60 Years

• Minimum Investment Rs. 100/- & its multiples

 

Madhu Sanchay Deposit

The biggest oceans were formed one drop at a time. With this special, customer-friendly offering, save and invest small bits today for big returns in the future

• Period 1 Year

• Interest Rate 3% P.A

• Simple Interest Calculation on Product of Monthly Outstanding Balance

• Minimum Investment Rs. 50/- per Day & multiples of Rs. 10/-

 

Double Deposit -Dugna Karo Yojna

 

A high returns investment for those who can stay invested for a longer duration, which promises higher growth for invested money.

• Period 87 Months

• Interest Rate 9.67% P.A

• Compound Interest Calculation

• Minimum Investment Rs. 5,000/- & multiples of Rs. 1,000/-

 

Lokmanya Anandi Jeevan

 

Enjoy Big Smiles with Bigger Returns

• Period 18 Months

• Interest Rate 9.00% P.A

• Minimum Investment Rs. 10,000/- & multiples of Rs. 1,000/-

 

Lokmanya Samruddh Balak

 

Swachh Chamba Samruddh Balak scheme that builds a foundation for your child's future.

 

• The best time to secure their future is today!

• Eligibility: Specially for kids aged 0-10 years

• Rate of Interest: 8.71% p.a. (compound quarterly)

• Tenure: 8 years.

• Minimum Deposit Amount: Rs.25,000 & above

 

Lokmanya Utkarsh Yojana

Your small investments deserve big returns.

 

• Swachh Chamba Utkarsh Yojana, the best 5-year Recurring Deposit for your hard-earned money.

• No. of Installments: 60

• Rate of interest: 9.53%

• Min. deposit amount: Rs.650 (and its multiples) per month