1. Minimum Rs.1000/- in Fixed Deposit Scheme And further account can be opened in multiples of 1000/-.

2. Tenure OF account : 12 Months to 60 Months.

3. Issuance of certificate : Certificate will be issued to every account holder of Fixed Deposit Scheme.

4. Maturity : At the end of the period, the account holder member will be paid the deposit amount along with the interest/bonus fixed by the Koshi Co-operative.

5. Double Nominee System : The account holder can appoint two nominees as per his wish, fixing the ratio of the amount to be received by each nominee. But for this declaration should be made at the time of opening the account.

6. 75% of the deposit amount will be paid as SL loan on demand of the member. SL to be paid as loan Rs.19999 up to Rs.20000 (T/C Apply).

7. In case of loss/destruction of the certificate, on written request by the customer, a duplicate copy will be provided by the Koshi co-operative after verification and correct identification on payment of the Koshi co-operative’s prescribed fee. (fixed fee- 100/- )