Tenure-Based Options
Choose from multiple deposit periods depending on your savings horizon.
Savings & deposits
Savings & Deposits
Savings and deposit options designed to help members organise short- and long-term financial goals with clear tenure choices and transparent rate information.
Service overview
Flexible savings choices for different planning horizons.
Surabhi Souharda Credit Co-Operative Society Limited offers savings and tenure-based deposit options for eligible members. The objective is simple: make it easier to choose a saving period that aligns with your needs while keeping terms and returns easy to understand.
Deposit rates vary by tenure and category. Members should confirm the latest eligibility, documentation, interest payout choice and applicable conditions with the society before placing a deposit.
Rates & key details
Important details at a glance.
Review the published service information below, then confirm the latest eligibility, documentation and applicable conditions with the society.
Savings Deposit ROI
5.00% p.a.
General Deposit Range
6.00%–9.00%
Senior Deposit Range
6.50%–9.50%
Recurring Deposit
₹500 monthly for 1 year and above
Published rate snapshot
91 Days to 15 MonthsGeneral 6.00% / Senior 6.50%
16 Months to 38 MonthsGeneral 7.50% / Senior 8.00%
39 Months to 59 MonthsGeneral 8.50% / Senior 9.00%
60 Months and aboveGeneral 9.00% / Senior 9.50%
Rate snapshot effective from 17 July 2026. A 1% penal charge on pre-closure applies for the completed period. Please confirm current terms with the society.
Service highlights
Designed around clarity and member support.
Understand the facility, the review process and the next steps before making a decision.
Senior Rate Benefit
Senior deposits carry a higher published rate across the listed tenure slabs.
Recurring Deposit
A recurring deposit option supports disciplined monthly saving for eligible members.
Flexible Interest Payout
Interest payment options include monthly, quarterly, half-yearly and yearly schedules.
How it works
Simple steps. Clear support.
The exact checklist varies by facility, but the approved member journey follows a consistent review path.
Enquire
Connect with the society and discuss the service or funding requirement.
Documentation
Submit the current applicable forms, documents and supporting details.
Verification
Details are reviewed under the society’s applicable policies and procedures.
Approval & Support
Eligible requests move forward with communicated terms and ongoing assistance.
Frequently asked questions
Answers before your next step.
For current eligibility, documentation and final terms, contact the society directly.
The published savings deposit ROI on the approved home page is 5.00% p.a. Please confirm the current rate before opening or renewing an account.
Yes. The published senior deposit rates are 0.50 percentage points above the general rate across the listed tenure slabs.
The published options include monthly, quarterly, half-yearly and yearly interest payment schedules, subject to the applicable deposit terms.
Yes. The approved rate section mentions recurring deposits starting at ₹500 monthly for 1 year and above.
Ready to enquire?
Speak with the Surabhi team.
Confirm current eligibility, documentation, rates and applicable conditions for your requirement.