You can invest any amount over 500/- as a recurring deposit. Members can choose between a period of one year and seven years. The ROI rates will vary from 9.5% to 12.5% per year, depending on the years you choose. Senior citizens will receive an additional 0.50% per year interest. Monthly, quarterly, half-yearly, and annual modes of investment frequencies are available to members. The interest on recurring deposits will be paid only after the deposit term is over. Loan facilities are available in proportion to the amount you invested. Prematurity applies after each year, and the deposit will be locked for the following year after one month.