Deposits are accepted under two Schemes, viz. Periodic Interest Payment Scheme (PIPS) and Money Multiplier Scheme (MMS).

Periodic Interest Payment Scheme (PIPS)

For deposits under this Scheme, the minimum amount acceptable is Rs.10,000/- and further in multiplies of Rs.1,000/- and the interest is paid monthly or quarterly by way of ECS/NEFT/Interest Warrants.

Money Multiplier Scheme (MMS)

For deposits under this Scheme, deposits are accepted in multiples of Rs.1,000/- with a minimum of Rs.10,000/- and the deposits along with interest, compounded monthly are paid at the end of the deposit period.

ATTRACTIVE DEPOSIT SCHEMES (GUARANTEED BY GOVT. OF KERALA)

Additional interest of 0.25% for Senior Citizen