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Features & Benefits
Interest Rate 9.50% (Simple Interest)
Minimum Investment Rs. 10,000/-
Term of Deposit 15 Months
Additional interest rate 0.50% for Senior Citizen
Scheme Details
- The May 2026 Fixed Deposit Scheme is introduced by Lokmanya Multipurpose Co-operative Society as a limited-period investment opportunity for individuals seeking secure and attractive returns.
- The scheme will remain open for investment from 1st May 2026 to 31st May 2026, making it a limited-time offer for investors.
- The deposit under this scheme comes with a fixed tenure of 15 months, making it suitable for investors looking for short- to mid-term financial growth.
- Investors can start with a minimum deposit of ₹10,000, and there is no maximum limit, allowing participation from both small and high-value investors.
- The applicable interest rate is 9.50% per annum, calculated on a simple interest basis, with quarterly interest payout options available.
- Senior Citizens are eligible for an additional interest benefit of 0.50% per annum.
- Bulk deposits of ₹10 lakhs and above are also eligible for an additional interest benefit of 0.50% per annum.
- The maximum effective rate of return (ROI) under this scheme can go up to 10.00% per annum.
(Only one additional benefit of 0.50% can be availed.) - Lokmanya employees and their spouses are eligible for additional staff interest benefits, as per internal circular (Ref: LMCS/HO/CEO/72/2025-26).
- Premature withdrawal of the deposit is allowed, subject to a penalty of 2.5% per annum on the applicable interest rate for the completed period.
- A loan facility is available against the deposit, allowing investors to avail loans of up to 90% of the deposit amount.
- The loan interest rate will be 2% higher than the applicable deposit interest rate.
- This scheme is offered by Lokmanya Multipurpose Co-operative Society, serving customers across multiple regions in India.
Fixed Deposit Calculator
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