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Recurring Deposit - Build Your Savings Systematically

A Recurring Deposit (RD) with Bandhan Multi State Co-operative Credit Society Ltd. is the perfect savings tool for those who want to build wealth through regular monthly investments. It combines the discipline of regular savings with attractive returns.

Our recurring deposit schemes offer competitive interest rates of 7.5% to 8.5% per annum, depending on the tenure. With flexible monthly installments starting from just ₹500 and tenure options from 6 months to 10 years, you can choose a plan that fits your budget and goals.

Whether you're saving for a wedding, vacation, or any future expense, our RD helps you reach your goals systematically. Start small, save regularly, and watch your wealth grow over time.

Recurring Deposit


Systematic Savings

Key Features & Benefits

Our recurring deposit scheme is designed to help you save regularly and earn attractive returns on your investments.

Interest Rates: Earn between 7.5% to 8.5% per annum based on your chosen tenure. Higher tenures offer better returns, helping your savings grow significantly.

Flexible Installments: Start with monthly installments as low as ₹500. Choose any amount that fits your budget and increase it as your income grows.

Tenure Options: Select from 6 months to 10 years tenure based on your savings goals. Longer tenures help you accumulate larger amounts with better interest rates.



Why choose our Recurring Deposit?

  • Attractive Interest Rates: Earn 7.5% to 8.5% p.a. interest, significantly higher than regular savings accounts.
  • Disciplined Savings: Build a savings habit through regular monthly deposits, ensuring financial discipline.
  • Low Monthly Installments: Start with just ₹500 per month, making it accessible to everyone regardless of income level.
  • Flexible Tenure: Choose from 6 months to 10 years based on your financial goals and liquidity needs.
  • Loan Facility: Avail loans up to 75% of your accumulated RD value in case of emergencies.
  • Guaranteed Returns: Your returns are fixed and guaranteed at the time of opening the account.
  • Auto-Debit Facility: Set up automatic monthly deductions from your savings account for hassle-free deposits.
  • Premature Withdrawal: Option to close your RD before maturity with applicable charges if needed.
  • Compounding Benefits: Interest is compounded quarterly, maximizing your returns over time.

Common Questions

The minimum monthly installment for a Recurring Deposit is ₹500. You can choose any amount in multiples of ₹100 above this minimum.

If you miss a payment, you can pay it along with the next installment. A small penalty may apply for delayed payments. We recommend setting up auto-debit to avoid missing payments.

Yes, you can open multiple RD accounts with different installment amounts. However, the installment amount for an existing RD account cannot be changed once opened.