RECURRING DEPOSITS (RD) :-

Recurring Deposit is a special kind of Term Deposit offered by KDS NIDHI LIMITED which help members with regular incomes to deposit a fixed amount in every month into their Recurring Deposit account and earn interest at the rate applicable.


Recurring Deposit Prescribed by the RBI

Recurring deposit account is opened by those who want to save regularly for a certain period of time and earn a higher interest rate.


SNo. Plan Type Minimum Instalment ROI(%) Maturity Amount(Rs)

Features KDS Nidhi Recurring Deposit Account

Recurring deposit account Minimum amount Rs.100/- and multiplies of 100/- is accepted every month for a specified period.

  • 1 year and maximum five year and the total amount is repaid with interest at the end of the particular period..
  • The most attractive rate of interest of 9.50% p.a .with effect from Sept 2019
  • Providing the loan facility .The loan can be given up to 90% of the amount standing the credit of the account holder
  • For premature settlement, 3% less than the contracted rate will be applicable

Period: 12 to 36 months -9%
Period: 36 to 60 months -9.50%
Rate for senior citizens: 10%
Staff members: 10%

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