Fixed Deposit Scheme
Lump-sum investment with quarterly compounding returns and flexible tenures. Maximize your savings with quarterly compounding interest, safe principal return, and special privileges for senior citizens.
Fixed Deposit Interest Rate Chart
Rates are reviewed and maintained in accordance with statutory provisions.
Fixed Deposit Rate Chart (Quarterly Compounding)
Governed by Nidhi Rules, 2014| Tenure / Period | Applicable Rate (p.a.) | Remarks / Benefits |
|---|---|---|
| Up to 12 Months | 9.00% p.a. | Quarterly Compounding |
| 13 Months – Up to 24 Months | 9.75% p.a. | Quarterly Compounding |
| 25 Months – Up to 36 Months | 10.50% p.a. | Popular |
| 37 Months – Up to 48 Months | 11.25% p.a. | Quarterly Compounding |
| 49 Months – Up to 60 Months | 12.00% p.a. | Highest Return |
Key Benefits & Features
Eligibility & Required Documents
In compliance with Nidhi Rules, 2014, deposits are accepted only from registered shareholder members upon completing Know Your Customer (KYC) documentation.
Eligibility Criteria
- Individual member of BSL Nidhi Limited
- Indian citizen aged 18 years or above
- Minors eligible through natural/legal guardian
- Joint account facility available (up to 2 adult members)
Required KYC Documents
- Self-attested PAN Card copy (mandatory)
- Aadhaar Card / Voter ID / Passport (Identity Proof)
- Recent utility bill / Aadhaar (Address Proof)
- 2 passport-sized color photographs
Start Your Fixed Deposit
Open your Fixed Deposit account at our branch or consult our representative for doorstep assistance.
Instant Loan Against FD
Need emergency funds? You can avail a loan up to 90% of your deposit principal without premature withdrawal or losing your accumulated interest.
Learn about Loan Against Deposit →Frequently Asked Questions
Have questions about premature encashment, interest compounding frequency, or nomination rules?
Read All Deposit FAQs