Big Dreams Start with Small Deposits
Start your dream journey today with MKCCSL
At Manav Kalyan Credit Co-operative Society Ltd. (MKCCSL), we understand that every financial journey begins with the right savings plan. That’s why we offer a range of thoughtfully designed deposit schemes that are flexible, rewarding, and tailored to meet the needs of salaried individuals, self-employed professionals, entrepreneurs, homemakers, and retirees alike.
With competitive interest rates, simplified processes, and member-first policies, our schemes are not just about saving — they’re about creating opportunities, achieving goals, and building financial security with confidence.
Fixed Deposit (FD)
Safe. Stable. Profitable.
A Fixed Deposit with MKCCSL is the perfect choice for individuals seeking a secure and guaranteed way to grow their money. It allows you to invest a lump sum for a fixed period at competitive interest rates, earning stable returns that outperform typical savings accounts. Our FD options come with flexible tenures, from a few months to several years, enabling you to align your investment with specific financial goals such as retirement, education, or large purchases. With options for reinvestment, auto-renewal, and interest payouts, our FD scheme offers both stability and customization. It’s ideal for members who prioritize safety and consistent returns over market-linked risks.
Benefits
Attractive Interest Rates: Enjoy higher returns than a regular savings account, helping you grow your wealth securely.
Flexible Tenure: Choose from multiple tenure options (from a few months to several years) to suit your financial goals.
Safe & Secure Investment: Your capital is protected with guaranteed returns—no market-linked risk.
Reinvestment Options: Interest can be reinvested for compounding benefits or paid out periodically based on your preference.
Loan Against FD: Avail a loan against your fixed deposit without breaking it, ensuring liquidity in times of need.
Eligibiliy:
(Please add As per Society’s Rules)
Rate of Interest and Duration
(Please add As per Society’s Rules)
Terms & Conditions:
(Please add As per Society’s Rules)
Recurring Deposit (RD)
Small Savings. Big Dreams
MKCCSL’s Recurring Deposit is designed for members who want to build their savings gradually while benefiting from the power of compounding. By depositing a fixed amount every month, you can accumulate a significant sum over time—making it perfect for planning future expenses like education, marriage, or a dream purchase. The RD scheme instills financial discipline and is especially suited for salaried employees, students, and homemakers. With flexible tenures, attractive interest rates, and minimal documentation, it’s a reliable way to convert small savings into big achievements without any financial burden.
Benefits
Disciplined Saving Habit: Helps build a saving routine through small monthly contributions.
Power of Compounding: Earn interest on your monthly deposits and accumulate a significant amount over time.
Customizable Tenure: Choose a period that aligns with your goals—from short to medium-term planning.
Ideal for Future Planning: Perfect for students, salaried individuals, and homemakers saving for education, gifts, travel, etc.
Low Minimum Deposit: Start saving with as little as ₹100/month, making it accessible to all members.
Eligibiliy:
(Please add As per Society’s Rules)
Rate of Interest and Duration
(Please add As per Society’s Rules)
Terms & Conditions:
(Please add As per Society’s Rules)
Monthly Income Scheme (MIS)
Monthly Earnings. Lifetime Peace.
Our Monthly Income Scheme is ideal for individuals seeking regular, predictable income from their savings. With a one-time deposit, you start receiving monthly interest payouts, making this scheme especially suitable for retirees, homemakers, or anyone looking for financial stability. The MIS ensures capital safety while providing consistent returns, helping you manage your monthly expenses without compromising your savings. It’s a great choice for members who want to enjoy the benefits of their hard-earned money while maintaining peace of mind.
Benefits
Guaranteed Monthly Payouts: Earn regular income from your one-time deposit—great for retirees or homemakers.
Capital Protection: Your principal amount remains safe while you receive monthly interest.
Peace of Mind: Removes financial anxiety for those who rely on regular income for expenses.
Flexible Investment Amounts: Invest according to your comfort and receive proportionate monthly returns.
Simple Management: Hassle-free setup with auto-credit to your account each month.
Eligibiliy:
(Please add As per Society’s Rules)
Rate of Interest and Duration
(Please add As per Society’s Rules)
Terms & Conditions:
(Please add As per Society’s Rules)
Daily Deposit Scheme (DDS)
Save Daily. Achieve Easily.
MKCCSL’s Daily Deposit Scheme is crafted for small traders, vendors, and self-employed individuals who handle daily cash inflows. The scheme enables you to make small, manageable daily deposits through doorstep collection, making saving convenient and effortless. With flexible deposit amounts and zero hassle, DDS helps convert your daily surplus into a substantial corpus over time. It promotes financial discipline and is a perfect fit for individuals who may not have access to traditional banking systems but still want to build secure financial reserves for the future.
Benefits
Daily Collection Facility: Our agents collect deposits at your doorstep, saving your time and effort.
Micro-Savings Approach: Save as little as ₹10 per day and build a sizeable corpus over time.
Ideal for Small Traders: Designed for hawkers, vendors, and small business owners with daily income.
Zero Lock-in Pressure: Enjoy flexibility with daily deposits and access to savings when needed.
Encourages Habitual Saving: Promotes discipline and long-term thinking among non-salaried individuals.
Eligibiliy:
(Please add As per Society’s Rules)
Rate of Interest and Duration
(Please add As per Society’s Rules)
Terms & Conditions:
(Please add As per Society’s Rules)
Savings Account
Simple. Secure. Smart.
Our Savings Account is the foundation of your financial journey with MKCCSL. It offers easy access to your funds while allowing you to earn interest on your deposits. With nominal balance requirements, simple account opening procedures, and eligibility for various co-operative member benefits, it’s more than just an account — it’s a gateway to financial empowerment. You can use this account for regular transactions, savings, and as the primary link to access other deposit and loan products from MKCCSL. Whether you’re just starting your financial planning or looking for a reliable account with personalized service, our Savings Account is the right place to begin.
Benefits
Earn While You Save: Get interest on your balance, unlike a zero-interest current account.
No High Minimum Balance Requirement: Designed with co-operative values to remain inclusive and accessible.
Access to All Member Benefits: Eligible for MKCCSL’s loan schemes, deposits, and other financial products.
Easy Transactions: Make deposits, withdrawals, and transfers with ease and transparency.
Secure & Personalized Service: Enjoy member-first attention and safe banking under a trusted co-operative umbrella.