The Aarambh – 2026 Deposit Scheme will commence from 1st January 2026 as a special New Year term deposit scheme introduced by Lokmanya Multipurpose Co-op. Society Ltd.

The scheme will remain open for investment until 31st March 2026. This is a limited time New Year offer, and investors are encouraged to invest within the offer period.

The deposit under this scheme will be locked in for a fixed duration of 15 months, making it suitable for investors looking for short-term wealth growth.

Investors can start with a minimum deposit of ₹10,000. There is no maximum limit, making the scheme suitable for both small and bulk investors.

The applicable interest rate is 10.25% 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 interest under this scheme is up to 10.75% 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 permitted, 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 amount, allowing investors to avail loans up to 90% of the deposit value.

The loan interest rate will be 2% higher than the applicable deposit interest rate.

This scheme is offered by Lokmanya Multipurpose Co-op. Society Ltd., operating across Maharashtra, Karnataka, Goa, and Delhi.