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OUR SchemeS


Monthly Income Scheme

Interest Payment Table (On Deposit of Rs. 10000/-)
Sr. No. Deposit
Amount 
Rate of Interest
(year 18% )
Total
Interest a/m
Time
Period 
Per Month
EMI
1 100,000 12% 12,000 12 Month  1,000
2 200,000 12% 24,000 12 Month  2,000
3 300,000 12% 36,000 12 Month  3,000
4 400,000 12% 48,000 12 Month  4,000
5 500,000 12% 60,000 12 Month  5,000
6 600,000 12% 72,000 12 Month  6,000
7 700,000 12% 84,000 12 Month  7,000
8 800,000 12% 96,000 12 Month  8,000
9 900,000 12% 108,000 12 Month  9,000
10 1,000,000 12% 120,000 12 Month  10,000

Terms & Conditions:-

  • Minimum MIS would be of Rs. 10000/- and further in multiple of Rs.10000/-
  • No TDS Deducted on interest paid by Kamla Nidhi on Deposits.
  • Special MIS is applicable only for Senior citizens, women, and Govt. employ and for pensioners.
  • Loan available against Deposit up to 75% of deposited amount after one month from the date of deposit.
  • Rate of interest on loan against Deposit would be 5% higher than applicable rate of interest to your Deposit.

Payment before maturity not allowed for 90 days deposit scheme and Payment before Maturity allowed to other MIS plans, in this case the Calculation of interest on pre-mature payment will be applicable as per savings a/c’s rate of interest and already paid interest amount will be deducted from the principal amount.

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