We understand this need for Saving and security. Our secure Fixed Deposits provide you greater earnings with the flexibility of maintaining your funds in accessible units.

A fixed deposit (FD) is a financial instrument provided by banks which provides investors with a higher rate of interest than a regular savings account, until the given maturity date.

The rate of interest paid for fixed deposit vary (changes) according to amount, period and from bank policies.

The Churu Central Co-Operative Bank provides "Recurring Deposit" to deposit a fixed amount every month; "QIP : Quarterly Interest Payable" for deposit quarterly interest to customer; and "MIP : Monthly Interest Payable" for deposit monthly interest to customer.

Features of Fixed Deposit Account :

1. Customers can avail loans against FDs up to 80 to 85 percent of the value of deposits. The rate of interest on the loan could be 1 percent over the rate offered on the deposit.

2. The main purpose of fixed deposit account is to enable the individuals to earn a higher rate of interest on their surplus funds.

3. The period of fixed deposits ranges between 15 days to 10 years.

4. Customer can submit form 15G/H to avail benefit of TDS exemption. In case the amount in 15G/H exceeds the applicable minimum tax exemption limit, the form would not be valid.

Rate Of Interest On Fixed Deposit :

NOTE : Interest Rate effected from 22/04/2024.

Deposit-Period	Interest Rate (General)	Interest Rate (Gram Seva Sahkari Samiti)	Interest Rate on One Time Deposit>=25Lakh(General Intt Rate will be payable on premature withdrawl)
15 Days to 29 Days	3.60%	4.15%	4.10%
30 Days to 89 Days	3.75%	4.30%	4.25%
90 Days to 364 Days	5.00%	5.30%	5.25%
1 Year to 2 Years	7.30%	7.90%	7.55%
2 Years or Above	7.15%	7.60%	7.35%

NOTE : For Senior citizen interest rate will be 0.50% extra.