Cumulative as well as Non cumulative schemes are available for deposits.

In a 'Non cumulative scheme' the interest is payable on a half yearly basis. The Scheme will be convenient for pensioners who require a periodical interest payment. In the 'Cumulative deposit scheme', the interest is payable at the time of maturity along with the principal. This scheme is suitable for people who do not require periodical interest payments and this can be thought of as a money multiplier scheme.

The minimum deposit for the Cumulative deposit scheme is Rs. 5,000/- and under the Non cumulative scheme is Rs. 25,000/- half yearly and Rs. 50,000/- quarterly.