Fixed Deposit Plan
A Fixed Deposit (FD) plan for a Swayam Sahayta Samuh (Self-Help Group) over 12 months can be structured to provide periodic returns along with a higher maturity value. Under this plan, members receive 20% of the invested amount as returns at the end of each quarter for the first three quarters (i.e., at 3, 6, and 9 months). On maturity at 12 months, the total return becomes 140% of the original investment amount, ensuring both interim liquidity and a substantial final payout. This structure helps members benefit from regular income while still encouraging long-term savings discipline.
A 12-month FD plan for a Self-Help Group can be designed to balance regular income and long-term savings. Members receive 20% of their investment at the end of each of the first three quarters (3, 6, and 9 months), providing steady cash flow. At maturity (12 months), they receive a total of 140% of the original investment amount, meaning the final payout ensures strong overall returns. This structure results in 60% earned during the year through quarterly payouts and an additional 40% realized at maturity, making the total return highly attractive while maintaining liquidity during the tenure.
Cash Flow Timeline (Example for ₹10,000)
- Month 3 → ₹2,000
- Month 6 → ₹2,000
- Month 9 → ₹2,000
- Month 12 → ₹14,000 (maturity payout)
- Total received over 12 months = ₹20,000
- Net profit = ₹10,000
Detailed Investment Table
| Investment (₹) | Q1 (20%) | Q2 (20%) | Q3 (20%) | Maturity (140%) | Total Received (₹) | Net Profit (₹) |
|---|---|---|---|---|---|---|
| 1,000 | 200 | 200 | 200 | 1,400 | 2,000 | 1,000 |
| 2,000 | 400 | 400 | 400 | 2,800 | 4,000 | 2,000 |
| 5,000 | 1,000 | 1,000 | 1,000 | 7,000 | 10,000 | 5,000 |
| 10,000 | 2,000 | 2,000 | 2,000 | 14,000 | 20,000 | 10,000 |
| 25,000 | 5,000 | 5,000 | 5,000 | 35,000 | 50,000 | 25,000 |
| 50,000 | 10,000 | 10,000 | 10,000 | 70,000 | 1,00,000 | 50,000 |
| 1,00,000 | 20,000 | 20,000 | 20,000 | 1,40,000 | 2,00,000 | 1,00,000 |
| 2,00,000 | 40,000 | 40,000 | 40,000 | 2,80,000 | 4,00,000 | 2,00,000 |
| 5,00,000 | 1,00,000 | 1,00,000 | 1,00,000 | 7,00,000 | 10,00,000 | 5,00,000 |
| 10,00,000 | 2,00,000 | 2,00,000 | 2,00,000 | 14,00,000 | 20,00,000 | 10,00,000 |