Choose your tenure
Every scheme uses simple interest computed daily. Rates shown apply to deposits booked today; once you book, your rate is locked for the entire tenure and can never be revised.
“The habit of saving is the strength of a nation.”
3 months
8%
per annum, simple
- Minimum ₹1,000
- Interest withdrawable after 3 months
- Principal withdrawable at maturity
- ₹1,00,000 grows to ₹1,02,000
6 months
8.55%
per annum, simple
- Minimum ₹1,000
- Interest withdrawable after 3 months
- Principal withdrawable at maturity
- ₹1,00,000 grows to ₹1,04,275
9 months
9.75%
per annum, simple
- Minimum ₹1,000
- Interest withdrawable after 3 months
- Principal withdrawable at maturity
- ₹1,00,000 grows to ₹1,07,313
12 months
12%
per annum, simple
- Minimum ₹1,000
- Interest withdrawable after 3 months
- Principal withdrawable at maturity
- ₹1,00,000 grows to ₹1,12,000
24 months
15%
per annum, simple
- Minimum ₹1,000
- Interest withdrawable after 3 months
- Principal withdrawable at maturity
- ₹1,00,000 grows to ₹1,30,000
36 months
18%
per annum, simple
- Minimum ₹1,000
- Interest withdrawable after 3 months
- Principal withdrawable at maturity
- ₹1,00,000 grows to ₹1,54,000
Withdrawal rules
- • Interest: available after a 3 month lock-in from the value date, on any scheme.
- • Principal: available on the maturity date of the scheme you selected.
- • Interest payouts are credited within 3 working days of approval.
- • Principal payouts are credited within 10 working days of approval.
- • Every closed payout carries a UTR number visible in your statement.
What happens to your money
Deposits are recorded as unsecured debt in the books of the operating entity, YK Enterprises, and are used to grow its business. You share in that growth through a fixed contracted rate — the programme returns your principal in full along with the interest recorded on your policy paper.