Deposit schemes
Safe, rewarding ways to grow your savings — with higher rates for senior citizens.
Fixed Deposit
Lock in attractive, assured returns for 182 days or more, with extra for senior citizens.
Cash Certificate
Grow a lump sum over 899 days at our highest rate — 10% p.a., 10.25% for seniors.
Pigmy Deposit
Save a little every day — our agent collects at your doorstep or shop.
Recurring Deposit
Build a disciplined savings habit with a fixed monthly instalment.
Compare deposit interest rates
Rates per annum, effective 1 September 2026. Senior citizens are members aged 60 and above.
| Scheme | Tenure | General | Senior citizen |
|---|---|---|---|
| Fixed DepositShri Lakshmi Fixed Deposit Scheme | 182 days to less than 1 year | 7.5% | 8% |
| 1 year | 8% | 8.5% | |
| Above 1 year | 9% | 9.5% | |
| Cash CertificateChirantana Cash Certificate | 899 days | 10% | 10.25% |
| Pigmy DepositDaily Savings Scheme | Below 1 year | 3.5% | — |
| Above 1 year | 4.5% | — | |
| Recurring DepositMonthly Savings Plan | Ask at branch | — | — |
Rates are subject to change without notice. Please confirm the applicable rate at the branch before investing.
Fixed deposit calculator
Move the sliders — the rate updates automatically from our rate chart.
Rate is set from our current rate chart for the tenure you choose.
Maturity value
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- Amount invested
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- Interest earned
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Indicative figures with interest compounded quarterly. Actual maturity may differ slightly.
Visit us, call us, or just say hello on WhatsApp
Our team in Siddapur and Sirsi will help you choose the right deposit or loan — in Kannada or English.