Cash Certificate
Grow a lump sum over 899 days at our highest rate — 10% p.a., 10.25% for seniors.
Cash certificates let you accumulate a larger amount over time while earning interest. They are flexible and secure, making them an excellent choice for long-term savings — and you can borrow against your certificate if you ever need to.
- Our highest rate: up to 10.25% p.a.
- Fixed 899-day tenure
- Loan facility against certificate
- Open singly, jointly or for a minor
Interest rates
| Tenure | General | Senior citizen |
|---|---|---|
| 899 days | 10% | 10.25% |
Rates effective 1 September 2026. Rates are per annum and subject to change; please confirm at the branch before investing. Senior citizens are members aged 60 years and above.
Who can apply
- Individuals — in their own name or jointly with others
- Minors, represented by a parent or guardian
- Clubs, societies, institutions, educational institutions, trusts and firms
Documents required
- Aadhaar card
- PAN card
- 2 passport-size photographs
- Address proof (if different from Aadhaar)
Bring originals for verification. Our staff will guide you through the form.
Estimate your returns
Rate is set from our current rate chart for the tenure you choose.
Maturity value
—
- Amount invested
- —
- Interest earned
- —
Indicative figures with interest compounded quarterly. Actual maturity may differ slightly.
How to get started
- Visit or callDrop in at any of our three offices or call +91 82773 05066.
- Become a memberFill in a simple membership form with your KYC documents.
- Make your depositChoose your amount and tenure — we issue your receipt the same day.
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.