• Deposits
  • Special Scheme
  • Achievers Pension Plan
  • Bonds
Fixed Deposit
Period Rate of Interest (General)   Rate of Interest (SLP) 
3 Months 7.50% 8.50%
6 Months 8.50% 9.50%
9 Months 9.50% 10.50%
1 Year 12.25% 13.25%
2 Years 12.75% 13.50%
3 Years 13.50% 13.75%
4 Years 14.00% 14.25%
5 Years 14.50% 14.75%
Person who 50 years above, Ladies, Physically Challenged persons, Retired Persons, Members of Armed Forces, Retired Defence personal, Employees of State & Central Government, All Employees of Finance Sector, Insurance Companies or Employees of any Co-Operative establishment, Local Bodies, Trusts & Single deposit of Rs. 5.00 Lacs and above. 
 Terms & Conditions: 
  1. Fixed Deposit of minimum amount Rs 5000/-,thereafter in multiples of Rs 500/-
  2. Compound Interest will be calculated on yearly basis.
  3. Tax Deducted at source will not be applicable on interest given by Achievers Credit Co-operative Society Limited.
  4. Loan up to 70% will be given on Fixed Deposits.
  5. Loan on fixed deposits will be charged at 18% yearly, monthly compound interest basis.
  6. If a person defaults in paying any instalments on loan , 5% interest will be charged as late fee on lapse amount with next due instalment.
  Payment on pre mature Fixed Deposits : 
  1. Will not be applicable on 1 Year Fixed Deposit schemes.
  2. On 2 years Fixed Deposit scheme, after completion of 1 year pre mature payment will be made and 4% interest will be applicable on such amount.
  3. On 3 years Fixed Deposit scheme, after completion of 18 months pre mature payment will be made and 5% interest will be applicable on such amount.
  4. On 4 years Fixed Deposit scheme, after completion of 2 years pre mature payment will be made and 6% interest will be applicable on such amount.
  5. On 5 years and after Fixed Deposit scheme, after completion of 3 years pre mature payment will be made and 7.5 interests will be applicable on such amount.  
Recurring Deposit
Daily Deposit Scheme
Weekly Deposit Scheme 
Monthly Deposit Scheme
  Daily Deposit Scheme
 
One Year Daily Deposit Scheme (DDS)
1. This scheme is for 12 months.
2. The minimum deposit amount of Rs 20 and in multiple of Rs. 10
3. Daily trappings must be 25 days in a month.
4. 6 percent annual interest rate on deposits.
5. Borrow up to 60 percent of deposits, minimum 1000 / - Rs payable on the loan.
6. 18 percent annual interest on loans, monthly compound rate
7. Premature Payment:
(a) Up to 3 months no payment facility.
(b) 3 months to 6 months 2 percent Service Charge payable.
(c) 6 to 9 months no interest payable.
(d) After 9 months and before 12 months 4 percent simple interest payable.
8. Changes in the terms of the plan, renovation, addition and amend by the Achievers Credit Co-operative Society Ltd.
 
Two-year daily deposit scheme (DDS)
1. This scheme is for 24 months.
2. The minimum deposit amount of Rs 20 and in multiple of Rs. 10
3. Daily trappings must be 25 days in a month
4. 9 percent annual interest rate on deposits.
5. Borrow up to 60 percent of deposits, minimum 1000 / - Rs payable on the loan.
6. 18 percent annual interest on loans, monthly compound rate.
7. Premature Payment:
a) Up to 15 months no payment facility.
b) 15 months to 18 months 2 percent Service Charge payable
c) 18 to 21 months no interest payable
d) After 21 months and before 24 months 6 percent simple interest payable
8. Changes in the terms of the plan, renovation, addition and amend by the Achievers Credit Co-operative Society Ltd.
 
Three-Year daily deposit scheme (DDS)
1. This scheme is for 36 months.
2. The minimum deposit amount of Rs 20 and in multiple of Rs. 10
3. Daily trappings must be 25 days in a month
4. 9.5 percent annual interest rate on deposits.
5. Borrow up to 70 percent of deposits, minimum 1000 / - Rs payable on the loan
6. 18 percent annual interest on loans, monthly compound rate.
7. Premature Payment:
a) Up to18 months no payment facility
b) 18 to 24 months no interest payable
c) 24 months to 30 months 5 percent Service Charge payable
d) After 30 months and before 36 months 7.5 percent simple interest payable
8. Changes in the terms of the plan, renovation, addition and amend by the Achievers Credit Co-operative Society Ltd.
 
Four-Year daily deposit scheme (DDS)
1. This scheme is for 48 months.
2. The minimum deposit amount of Rs 20 and in multiple of Rs. 10
3. Daily trappings must be 25 days in a month
4. 10 percent annual interest rate on deposits
5. Borrow up to 70 percent of deposits, minimum 1000 / - Rs payable on the loan
6. 18 percent annual interest on loans, monthly compound rate
7. Premature Payment:
a) Up to 24 months no payment facility
b) 24 to 30 months no interest payable
c) 30 months to 36 months 5 percent Service Charge payable
d) After 36 months and before 48 months 7.5 percent simple interest payable
8. After maturity, interest or other benefits will not be payable.
9. Changes in the terms of the plan, renovation, addition and amend by the Achievers Credit Co-operative Society Ltd.
 
Five-Year daily deposit scheme (DDS)
1. This scheme is for 60 months.
2. The minimum deposit amount of Rs 20 and in multiple of Rs. 10
3. Daily trappings must be 25 days in a month
4. 10.50 percent annual interest rate on deposits
5. Borrow up to 70 percent of deposits
6. 18 percent annual interest on loans, monthly compound rate
7. Premature Payment:
a) Up to 30 months no payment facility
b) 30 to 36 months no interest payable
c) 36 months to 48 months 5 percent Service Charge payable
d) After 48 months and before 60 months 7.5 percent simple interest payable
8. After maturity, interest or other benefits will not be payable.
9. Changes in the terms of the plan, renovation, addition and amend by the Achievers Credit Co-operative Society Ltd.
  Weekly Deposit Scheme
 Time  1 Year (12 Month )  2 Year (24 Month )  3 Year (36 Month )  4 Year (48 Month )  5 Year (60 Month )
 Minimum Deposit  Minimum deposit Rs 50 and in multiple of Rs 10
 Interest Rate  6.50%  9.50%  10.00%  10.50%  11.00%
 Pre Mature  Condition  After 3 Month  After 15 Month    After 18 Month    After 24 Month  After 30 Month  
 Loan Limit  Upto 70 % of Deposit Amount 
 * Term & Condition Apply
  Monthly Deposit Scheme
 
 
Period Rate of Interest (General) Maturity Value RD (Monthly Deposit 100/-)
1 Year 9.50% 1,264.00/-
2 Years 10.50% 2,681.00/-
3 Years 10.75% 4,264.00/-
4 Years 11.00% 6050.00/-
5 Years 11.50% 8,136.00/-
6 Years 13.00% 10,939.00/-
Person who 50 years above, Ladies, Physically Challenged persons, Retired Persons, Members of Armed Forces, Retired Defence personal, Employees of State & Central Government, All Employees of Finance Sector, Insurance Companies or Employees of any Co-Operative establishment, Local Bodies, Trusts & Single deposit of Rs. 5.00 Lacs and above. 
 Terms & Conditions: 
  1. Interest will be calculated on yearly basis.
  2. Recurring Deposit minimum amount Rs 100/-,there after in multiples of Rs 100/-
  3. Loan on deposits will be charged at 18% monthly compound interest basis.
  4. Lapse on payment of instalment amount will make the defaulter pay Rs 2 per 100 per month with instalment amount.
  5. 1 month after paying last instalment or maturity amount due date whichever is more will be applicable for payment of maturity amount.
  6. Irregular deposits are not entitled for pre mature payment and loan facility against it.
  7. On irregular deposits if all irregular pending deposits are paid then such account will be treated as regular. Even if there is default in payment of 1 instalment, the said account will be treated as irregular.
  8. After maturity date, payment on irregular accounts will be made after deducting the penalty amount maximum to the limit of interest earned on such account. No deductions will be made on principle amount of such accounts.
  Loan facility on Recurring Deposits : 
  1. On 12 month deposit scheme, after 6 months (after receiving of 6 instalments) loan up to 70% of deposited amount will be given.
  2. On 24 month and 36 month deposit schemes, after 1 year (after receiving of 12 instalments) loan up to 70% of deposited amount will be given.
  3. On 60 month and 72 month deposit schemes, after 2 years (after receiving of 24 instalments) loan up to 70% of deposited amount will be given(minimum Rs 700/-)
   Payment on pre mature Recurring Deposits : 
  1. On 1 year deposit scheme: Not applicable.
  2. On 2 years deposit scheme: After completion of 1 year pre mature payment will be made and 4% interest will be applicable on such amount on yearly basis.
  3. On 3 years deposit scheme: After completion of 18 months pre mature payment will be made and 5% interest will be applicable on such amount on yearly basis.
  4. On 4 years deposit scheme: After completion of 2 years pre mature payment will be made and 6% interest will be applicable on such amount on yearly basis.
  5. On 5 years deposit scheme: After completion of 3 years pre mature payment will be made and 7.5% interest will be applicable on such amount on yearly basis.
Saving Deposit
Saving money habit will improve the quality of life and will help you to feel better and to sleep better. One will be happier knowing he/she has some money aside for unexpected expenses and look forward to achieve some of their dreams. Achievers Credit Co-operative Society Limited has introduced uniquely designed “Saving Account” to inbuilt the habit of saving among people.
  Feature of Saving Account 
 
Main Features Saving Account
Minimum Deposit Rs 500 only 
Nomination Facility http://theunitedcredit.com/hindi/images/true_icn.jpg
Attractive Rate of Interest 7.5 %
Personal Accidental Insurance of 100,000/- http://theunitedcredit.com/hindi/images/true_icn.jpg
Free Medical Check-up once in a year http://theunitedcredit.com/hindi/images/true_icn.jpg
SMS Facility http://theunitedcredit.com/hindi/images/true_icn.jpg
 
 Salient Features 
  1. Money Multiplier Facility - Allow us to take care of your idle money by moving it into high interest  deposit account earning.
  2. Customer Care - Our Customer Care is always available to answer any query or take your instructions.
  3. Standing Instructions - You can give us various types of standing instructions like transferring to deposit accounts at regular intervals.
  4. Nomination Facility - You may nominate a person as beneficiary to your account proceeds
  5. Liquidity - You may liquidate your account pre-matured by incurring nominal charges for pre-matured liquidation.
  6. Loan Facility – Avail loan on your deposit amount.
  Nomination 
  1. Nomination facility available for deposits.
  2. There can be only one Nominee for a deposit account whether held singly or jointly.
  3. A person legally empowered to operate a minor's account can file a nomination on behalf of the minor.
  4. Applicants can make nomination by filling up the prescribed form.
  5. The nomination details can be changed during the subsistence of the account relationship by filling up the Form prescribed
  6. For more details approach your branch.
  Documentation Require for account opening 
 
Identity Proof :   Address Proof : 
  1. Passport
  2. PAN card
  3. Voter ID card
  4. Driving licence
  5. Government ID card
  6. Photo ration card
  7. Senior citizen ID card
  1. Passport
  2. Telephone bill
  3. Electricity bill
  4. Bank Statement with Cheque
  5. Certificate/ ID card issued by Post office
 
  Note -
  1. Please produce the original document(s) for verification & a photocopy of each document.
  2. Please fill the form in CAPITAL LETTERS using Black ink.
  3. Please countersign in case of any overwriting.
  4. Please avail of the nomination facility.
  5. Mandatory to provide Permanent address and telephone number.
  6. Mandatory to complete the KYC Norms
 
 Monthly Income Scheme (MIS)
 
Payment Schedule on Deposit of Rs. 10,000
 
Period Rate of Interest Monthly
  General Special  General  Special 
1-2 Years 12.25% 12.75% 102/- 106/-
3-4 Years 12.50% 13.50% 104/- 112/-
4-5 Years 13.00% 14.00% 108/- 117/-
Person who 50 years above, Ladies, Physically Challenged persons, Retired Persons, Members of Armed Forces, Retired Defence personal, Employees of State & Central Government, All Employees of Finance Sector, Insurance Companies or Employees of any Co-Operative establishment, Local Bodies, Trusts & Single deposit of Rs. 5.00 Lacs and above.
 Terms & Conditions: 
  1. In MIS deposit of minimum amount Rs 10000/-,thereafter in multiples of Rs 1000/-
  2. Monthly as well as yearly basis Interest earning option.
  3. Tax Deducted at source will not be applicable under this scheme.
  4. Loan up to 70% will be given on deposits.
  5. Loan against MIS deposits will be charged at 18% yearly, monthly compound interest basis. .
  6. Interest on Pre mature payment will be calculated on saving account interest of 7.5% yearly and given interest will be adjusted from principal amount and balance will be paid to the depositor.
  7. If a person defaults in paying any instalments on loan , 5% interest will be charged as late fee on lapse amount with next due instalment.
  Payment on pre mature Fixed Deposits :
  1. On 1 year deposit scheme: After completion of 9 months pre mature payment will be made and 4% interest will be applicable on such amount on yearly basis.
  2. On 2 years deposit scheme: After completion of 1 year pre mature payment will be made and 5% interest will be applicable on such amount on yearly basis.
  3. On more than 2 years deposit scheme: After completion of 2 years pre mature payment will be made and 7.5% interest will be applicable on such amount on yearly basis.
 Achievers Pension Plan
 
Payment Schedule on Deposit of Rs. 10,000
 
Period Monthly Deposit Amount Total Deposit Amount  Lifetime Monthly Pension Maturity Amount (Rs) 
3.2 Years 1000 38000 425 50000
5.3 Years 1000 63000 900 100000
9.9 Years 1000 1,17000 2400 245000
14.9 Years 1000 1,77000 5600 570000
 Terms & Conditions: 
  1. Minimum Deposit of amount Rs 1000/-,thereafter in multiples of Rs 500/-
  2. After maturity of pension plan, the depositor can either avail the maturity amount or pension amount.
  Payment on pre mature Fixed Deposits :
  1. Up to 2 years no loan facility available.
  2. After 2 years 70% can be availed on deposit amount.
  3. Loan against deposits will be charged at 18% interest yearly, monthly compound interest basis.
  4. Before 1 year/2 years/5 years/7 years time no pre mature payment. After these period and before maturity date, amount will be paid on 7.5% interest (saving account interest rate) on yearly basis.
Achievers Silver Bond
Achievers Grah Laxmi Bond 
Achievers Kisan Bond, 
Achievers General Bond 
  Achievers Grah Laxmi Bond
It takes honour for Achievers Credit Co – operative credit Society Limited to introduce exclusively designed bond for Indian women. She is the backbone of every Indian family. Woman has always a habit to keep reserve some money for financial uncertainty. These types of savings help to the family to overcome the situation arisen due to financial crises. 

A mother is a First school for all the children thus woman plays a vital role to shape the next generation. To salute the spirit of Indian woman Achievers Credit Co – operative credit Society Limited has launched United Achievers Grah Laxmi Bond (Silver Bond), specially designed for woman to uplift their dignity and financial strength.
Get Double of your investment in 57 months 
 Terms & Conditions: 
  1. Maturity duration is 57months.
  2. At Maturity get 2 times of deposit amount.
  3. Minimum deposit amount of Rs 1000/-,thereafter in multiples of Rs 100/-
  Loan Facility on deposit amount :
  1. Up to 1 year no loan facility available.
  2. After 1 year 70% can be availed on deposit amount, loan against deposits will be charged at 18%yearly,monthly yearly compound interest basis
  Payment on pre mature Fixed Deposits :
  1. Will not be applicable up to 2 years.
  2. After 2 years pre mature payment will be made (saving account interest applicable) at 7.5% interest on yearly basis.
 
  Achievers Kisan Bond
India is a country of villages. According to census more than 70% population live in rural area. Indian Farmers contribute a giant role for the growth of GDP in Indian Economy. He plays a significant role in the overall socio-economic development of Country. They are essential for the nation’s advancement & growth. To salute their contribution, Achievers Credit Co-operative Society Limited has introduced Achievers Kisan Bond with the aim of providing financial services to the farmers for their empowerment and better life style.


Get Double of your investment in 60 months
 Terms & Conditions: 
  1. Maturity duration is 60 months.
  2. At Maturity get 2 times of deposit amount.
  3. Minimum deposit amount of Rs 1000/-,thereafter in multiples of Rs 100/-
  Loan Facility on deposit amount:
  1. Up to 1 year no loan facility available.
  2. After 1 year 70% can be availed on deposit amount, loan against deposits will be charged at 18%yearly,monthly compound interest basis.
  Payment on pre mature Fixed Deposits :
  1. Will not be applicable up to 2 years.
  2. After 2 years pre mature payment will be made (saving account interest applicable) at 7.5% interest on yearly basis.
 
  Achievers General Bond
Just in 5 years and 6 months get 2 times on your investment.

Every human Being has a specific plan for his future, in longlife has many dreams.
Discipline, courage and good financial planning have played a very important element to in human life. Good discipline helps in realising financial plans and transforming seemingly impossible dreams of human beings into reality. For every common man, Achievers Credit Co- operative Society Limited offers Achievers General Bond.
Get Double of your investment in 66 months
 Terms & Conditions: 
  1. Maturity duration is 66 months.
  2. At Maturity get 2 times of deposit amount.
  3. Minimum deposit amount of Rs 1000/-,thereafter in multiples of Rs 100/-
  Loan Facility on deposit amount:
  1. Upto 1 year no loan facility available.
  2. After 1 year 70% can be availed on deposit amount, loan against deposits will be charged at 18% yearly,monthly yearly compound interest basis
  Loan Facility on deposit amount:
  1. Will not be applicable upto 2 years.
  2. After 2 years pre mature payment will be made (saving account interest applicable) at 7.5% interest on yearly basis.
 
Achievers Gold Bond
An investment opportunity for all (male, female, youth, senior citizens) who want to earn handsome amount (3 times) on their hard earned income in just 7 years and 6 months. For the pressing expenses that are expected in near future, Achievers Gold Bond is the best option. This also works as an alternative for other investment options like banks .It can also be chosen as the supplement for the retirement income. If you are looking for extra income, wish that your money is safe, and do not want to take the market risks, Achievers Gold Bond are just what you want.
 
 
 Terms & Conditions: 
  1. Maturity duration is 7 years and 6 months.
  2. At Maturity gets 3 times of deposit amount.
  3. Minimum deposit amount of Rs 1000/-,thereafter in multiples of Rs 100/-
 Loan Facility on deposit amount:
  1. Up to 2 years no loan facility available.
  2. After 2 years 70% can be availed on deposit amount.
  3. Loan against deposits will be charged at 18% yearly, monthly compound interest basis.
  4. Before 3 years time no pre mature payment. After 3 years and before maturity date, amount will be paid on 7.5% interest (saving account interest rate) on yearly basis.
Achievers Diamond Bond
An investment opportunity for all (male, female, youth, senior citizens) who want to earn handsome amount (4 times) on their hard earned income in just 10 years and 6 months. A safe investment option for a long period that attracts a large section of investors in India. Saving for retirement or a college education, for a future house, or to provide funds for the long-term care of your parents are all common goals of Achievers Diamond Bond. It is generally less risky investment than shares and/or property .You only need a small amount to get started. 
 
 
 Terms & Conditions: 
  1. Maturity duration is 10 years and 6 months.
  2. At Maturity gets 4 times of deposit amount.
  3. Minimum deposit amount of Rs 1000/-,thereafter in multiples of Rs 100/-
 Loan Facility on deposit amount:
  1. Up to 3 years no loan facility available.
  2. After 3 years 70% can be availed on deposit amount.
  3. Loan against deposits will be charged at 18% yearly, monthly compound interest basis.
  4. Before 4 years time no pre mature payment. After 4 years and before maturity date, amount will be paid on 7.5% interest (saving account interest rate) on yearly basis.
Achievers Platinum (Boys) Bond/Achievers Identity Bond (Girls)
  (Only for 0-10 years old children) 
Education in India is seen as one of the ways to upward social mobility. Good education is seen as a stepping stone to a high flying career. Even after more than 64 years after independence we are far away from the goal of universal literacy. But on a positive note, Indian professionals are considered among the best in the world are in great demand. This signifies the inherent strength of Indian education system. It is an immense pleasure for Achievers Credit Co-operative Society Limited to introduce a very inspiring and beneficial scheme called “Achievers Higher Education Bond” to fulfil the dream of every Parent as their wards can go for Higher Studies in his/her chosen field of subjects.  
Achievers Platinum Bond / Achievers Identity Bond is for higher education of children of age group between 0 – 10 years. Achievers Platinum Bond is for boys and Achievers Identity Bond is for girls.
 Terms & Conditions: 
  1. Maturity duration is 12 years and 6 months.
  2. At Maturity get 5 times/6 times of deposit amount.
  3. Minimum deposit amount of Rs 1000/-,thereafter in multiples of Rs 100/-
  4. Up to 2 years no loan facility available.
  5. After 2 Years 70% can be availed on deposit amount.
  6. Loan against deposits will be charged at 18% yearly, monthly compound interest basis.
 Payment on pre mature Deposits :
  1. Up to 5 years/6 years: Not applicable.
  2. After completion of 5 years/6 years and before maturity date pre mature payment will be made @ 7.5% interest will be applicable on such amount on yearly basis.
 
 
   
Achievers Credit Co-operative Society