• Regular deposits for a continuous period of 60 months.

• The deposits could be made either monthly, quarterly , half yearly or annually in multiple of Rs.100/-.

- Monthly - Rs. 100/-
- Quarterly - Rs. 300/-
- Half Yearly - Rs. 600/-
- Annually - Rs.1,200/-

• Interest Rate - Ordinary Savings A/c rate - 4.5% p.a.

• If depositor complies with the requirements for a continuous period of 36 months, the depositor will be paid an incentive - i.e. 15% of the total int. credited to the a/c. On maturity, premium will be 25% of the total int. credited to the a/c after making an adjustment for the 15% additional int. credited to the a/c at the end of 36 months.

• Withdrawals - Up to the amount of interest credited or 20% of the balance in the savings a/c whichever is higher.

• Loan facilities -

- Could be considered after a period of 36 months.
- Limit - Up to the anticipated amount to be collected in the a/c at the end of 60 months.
- Interest 85% of the amount remaining in the a/c to be lent at 3% above the rate of savings    a/c rate.
- Balance - to be lent at the prevailing rate of int. for productive purposes. Security for the    balance amount to be taken.