Your Money Grows
Safely Here
NSDR Nidhi offers fully secured deposit schemes under the Nidhi Rules 2014. Your deposits are exclusively used to fund member loans, creating a safe, self-sustaining financial ecosystem.
Current Deposit Rates
All rates are subject to periodic revision. Contact your branch for the most current rates before investing.
| Deposit Type | Details / Minimum Amount | Tenure | Interest Rate (p.a.) |
|---|---|---|---|
| Fixed Deposit / Cash Certificate (Renewal only) | Regular Citizens | 1 Year | 7.25% |
| Fixed Deposit / Cash Certificate (Renewal only) | Senior Citizens | 1 Year | 7.75% |
| Recurring Deposit | Standard Monthly | 1 to 3 Years | 7.80% |
| Special Recurring Deposit | Min ₹500 - Max ₹3,000 | 25 Months | 9.48% |
| Savings Deposit | Min ₹100 | Ongoing | 4.00% |
* Rates are indicative and subject to change. Contact your branch for current rates before investing.
Deposit Options
Fixed & Cash Certificates
Lock in your savings at a fixed rate for 1-year terms. Regular citizens earn 7.25% p.a., while Senior Citizens earn 7.75% p.a. (Currently accepting renewals only).
Recurring Deposit (RD)
Build your savings systematically with monthly contributions. Earn 7.80% p.a. over tenures of 1 to 3 years. We also offer a Special RD at 9.48% for 25 months.
Savings Account
A regular savings account that keeps your money accessible while earning 4.00% interest annually on daily balance basis. Minimum balance is just ₹100.
Start Saving Today
Let your money work harder for you with NSDR Nidhi's secure deposit products.