Scheme Launch Date:
The Siddhi Vinayak Nivesh Deposit Scheme will officially commence on 25th August 2025, coinciding with the auspicious occasion of Ganesh Festival.

Scheme Closing Date:
The scheme will remain open for enrollment until 31st October 2025 (Limited Period Offer). Investors are encouraged to act promptly as this scheme is available only during the festive season.

Fixed Deposit Tenure:
The investment under this scheme will be locked in for a fixed duration of 13 months, ensuring predictable and stable interest earnings.

Minimum Deposit Amount:
Investors can participate with a minimum deposit of ₹10,000, making the scheme accessible for both new and seasoned depositors.

Interest Rate:
The scheme offers an attractive 10% p.a. (Simple Interest) with the benefit of quarterly payouts, ensuring regular income for investors.

Special Benefits:

• Senior Citizens and Bulk Depositors (₹10 lakhs & above in a single receipt) are eligible for an additional 0.50% interest.

• Only one benefit can be availed at a time (either Senior Citizen or Bulk Deposit).

• The maximum effective rate can reach up to 10.50% p.a.

Staff Benefits:
Additional incentives are available for Lokmanya employees and their spouses, making the scheme even more rewarding.

Premature Withdrawal:
Investors can withdraw before maturity, but a 2.5% p.a. penalty will apply on the applicable rate for the period completed.

Loan Facility:

• Loans are available up to 90% of the deposit amount.

• Loan interest will be charged at 2% higher than the deposit rate.