SMSO Fixed Deposits

Depositors can choose from a wide range of deposit products with maturities ranging from 6 months to 36 months at competitive rates of interest and with different features to suit the investment needs of individual Members

  • Attractive & Assured Returns.
  • Impeccable services.
  • A wide range of deposits products to choose.
  • Deposits can be made as “Individual”, “Either (or) Survivor”, “Jointly” and “Anyone (or) Survivor” modes.
  • Quick Loan against Deposit receipt.
  • Monthly interest will be credited to Depositor’s Bank account, if opted (or) to SMSO Savings Account.
  • Nomination Facility Available.

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    The revised rate of interest offered on Fixed deposits for different Terms are:

    ParticularsPeriodNormal RateSenior Citizen/ Widow & Ex-Serviceman
    Fixed Deposits6 Months5.75% p.a.6.25% p.a.
    12 Months6.50% p.a.7.00% p.a.
    24 Months7.00% p.a.7.50% p.a.
    36 Months7.10% p.a.7.60% p.a.

    * Interest amount is subject to TDS as per provisions of Sec 194 A of the Income Tax Act 1961.

    Documents required for Opening Fixed Deposits

    • Proof of Identity – Voter ID, Aadhar Card, PAN Card (Any one).
    • Proof of Address – Voter ID, Aadhar Card, Ration Card, Telephone bill, property tax bill, lease deed (Any one).
    • Two Passport size photographs.
    • PAN Card is mandatory.
    • Rupees One hundred for Membership Enrolment.
    • Rupees One hundred for opening Savings Deposit Account.
    • Deposit account can be opened in the name of minors and should be operated by a Guardian who should be member of SMSO.

    Opening Form – Click to Download

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