{"id":392,"date":"2026-06-05T14:02:28","date_gmt":"2026-06-05T14:02:28","guid":{"rendered":"https:\/\/web.conceptialmedia.com\/nmdsociety\/?page_id=392"},"modified":"2026-06-11T10:40:11","modified_gmt":"2026-06-11T10:40:11","slug":"fixed-deposit","status":"publish","type":"page","link":"https:\/\/web.conceptialmedia.com\/nmdsociety\/fixed-deposit\/","title":{"rendered":"Fixed Deposit"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"392\" class=\"elementor elementor-392\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-31ec3f2 hero e-flex e-con-boxed e-con e-parent\" data-id=\"31ec3f2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-8592aab e-con-full e-flex e-con e-child\" data-id=\"8592aab\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3761c3c elementor-widget elementor-widget-html\" data-id=\"3761c3c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div class=\"hero-badge-strip\">\n    <span class=\"hero-badge gold\">Up to 12% Interest p.a.<\/span>\n    <span class=\"hero-badge\">No TDS Deduction<\/span>\n    <span class=\"hero-badge\">Loan up to 90% of FD<\/span>\n    <span class=\"hero-badge\">Nomination Facility<\/span>\n  <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-de6960f e-con-full e-flex e-con e-child\" data-id=\"de6960f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-87c76cb elementor-widget elementor-widget-heading\" data-id=\"87c76cb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Fixed Deposit (FD) Scheme<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ac4fe3 elementor-widget elementor-widget-heading\" data-id=\"6ac4fe3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Grow your savings with assured, high-interest returns. Lock in your<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3561ac5 elementor-widget elementor-widget-button\" data-id=\"3561ac5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/web.conceptialmedia.com\/nmdsociety\/wp-content\/uploads\/2026\/06\/membership-application.pdf\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg class=\"ekit-svg-icon icon-right-arrow1\" viewBox=\"0 0 32 32\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M20.757 16.4L8.036 2.971c-0.579-0.61-0.553-1.574 0.058-2.153 0.611-0.578 1.576-0.555 2.155 0.058l13.714 14.477c0.558 0.587 0.558 1.507 0 2.094L10.249 32.925c-0.3 0.317-0.703 0.475-1.106 0.475-0.376 0-0.753-0.139-1.048-0.418-0.611-0.579-0.637-1.544-0.058-2.153L20.757 16.4z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\"> Get Membership Form<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b372e1d e-flex e-con-boxed e-con e-parent\" data-id=\"b372e1d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-dbfbbd1 e-con-full e-flex e-con e-child\" data-id=\"dbfbbd1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bbda373 elementor-widget elementor-widget-heading\" data-id=\"bbda373\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Fixed Deposit Scheme<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d44d012 elementor-widget elementor-widget-heading\" data-id=\"d44d012\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Safe Investment. Higher Returns. Peace of Mind.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2aad7f9 elementor-widget elementor-widget-text-editor\" data-id=\"2aad7f9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The\u00a0<strong>NMD Society Fixed Deposit Scheme<\/strong>\u00a0is a savings and investment initiative designed to help our members grow their hard-earned money at interest rates significantly higher than conventional banks \u2014 all within a trusted, registered co-operative framework.<\/p><p>When you invest in an FD with NMD Society, your principal remains completely safe and you earn a guaranteed return based on the tenure you choose. The longer you invest, the higher the interest you earn.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1e308a4 e-con-full e-flex e-con e-child\" data-id=\"1e308a4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-46404a1 elementor-widget elementor-widget-text-editor\" data-id=\"46404a1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Minimum deposit of just\u00a0<strong>\u20b95,000<\/strong>\u00a0(in multiples of \u20b9500 thereafter) | No TDS deduction on interest earned | Loan facility available up to 90% of your deposit value.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-44bca59 elementor-widget elementor-widget-text-editor\" data-id=\"44bca59\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Whether you are saving for your child&#8217;s education, a future home, or simply building a financial safety net \u2014 the NMD Society Fixed Deposit is the ideal instrument for disciplined, high-yield saving.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-48da44a e-con-full e-flex e-con e-child\" data-id=\"48da44a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ba2a9e4 elementor-widget elementor-widget-html\" data-id=\"ba2a9e4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div class=\"intro-card reveal\">\n        <div class=\"ic-label\">Starting Interest Rate<\/div>\n        <div class=\"ic-rate\">12%<\/div>\n        <div class=\"ic-sub\">per annum \u00b7 12-month tenure<\/div>\n        <div class=\"mini-rates\">\n          <div class=\"mini-rate\">\n            <div class=\"mr-period\">12 Months<\/div>\n            <div class=\"mr-val\">12% p.a.<\/div>\n          <\/div>\n          <div class=\"mini-rate\">\n            <div class=\"mr-period\">24 Months<\/div>\n            <div class=\"mr-val\">12% p.a.<\/div>\n          <\/div>\n          <div class=\"mini-rate\">\n            <div class=\"mr-period\">36 Months<\/div>\n            <div class=\"mr-val\">12% p.a.<\/div>\n          <\/div>\n          <div class=\"mini-rate\" >\n            <div class=\"mr-period\">Double Plan (74M)<\/div>\n            <div class=\"mr-val\" style=\"color:var(--gold-rich)\">2\u00d7 Money<\/div>\n          <\/div>\n        <\/div>\n        <a href=\"#calculator\" style=\"display:block;margin-top:1.75rem;background:var(--green);color:#fff;text-align:center;padding:.85rem;border-radius:10px;text-decoration:none;font-weight:600;font-size:.93rem;transition:background .2s\" onmouseover=\"this.style.background='#28a04f'\" onmouseout=\"this.style.background='#1f7a3e'\">\n          Calculate My Returns \u2192\n        <\/a>\n      <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-760ab63 e-flex e-con-boxed e-con e-parent\" data-id=\"760ab63\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-495a5d4 elementor-widget elementor-widget-html\" data-id=\"495a5d4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!-- FD RATES TABLE -->\n<section class=\"rates-section\">\n  <div class=\"container\">\n    <div class=\"reveal\">\n      <div class=\"section-label\">Interest Rate Chart<\/div>\n      <h2 class=\"section-title\">FD Rates &amp; Maturity Values<\/h2>\n      <p style=\"color:var(--muted);font-size:.93rem;max-width:580px\">See exactly how much your investment grows across different tenures. All values shown below are based on annual compounding.<\/p>\n    <\/div>\n    <div class=\"rates-wrap reveal\">\n      <table>\n        <thead>\n          <tr>\n            <th>Deposit Amount<\/th>\n            <th><span class=\"rate-pill\">12 Months @ 12%<\/span><\/th>\n            <th><span class=\"rate-pill\">24 Months @ 12%<\/span><\/th>\n            <th><span class=\"rate-pill\">36 Months @ 12%<\/span><\/th>\n            <th><span class=\"rate-pill gold\">74 Months (Double Plan)<\/span><\/th>\n          <\/tr>\n        <\/thead>\n        <tbody>\n          <tr>\n            <td>\u20b95,000<\/td>\n            <td class=\"maturity-val\">\u20b95,500<\/td>\n            <td class=\"maturity-val\">\u20b96,161<\/td>\n            <td class=\"maturity-val\">\u20b97,025<\/td>\n            <td class=\"maturity-val\" style=\"color:var(--gold)\">\u20b910,000<\/td>\n          <\/tr>\n          <tr>\n            <td>\u20b910,000<\/td>\n            <td class=\"maturity-val\">\u20b911,000<\/td>\n            <td class=\"maturity-val\">\u20b912,322<\/td>\n            <td class=\"maturity-val\">\u20b914,050<\/td>\n            <td class=\"maturity-val\" style=\"color:var(--gold)\">\u20b920,000<\/td>\n          <\/tr>\n          <tr>\n            <td>\u20b925,000<\/td>\n            <td class=\"maturity-val\">\u20b927,500<\/td>\n            <td class=\"maturity-val\">\u20b930,805<\/td>\n            <td class=\"maturity-val\">\u20b935,123<\/td>\n            <td class=\"maturity-val\" style=\"color:var(--gold)\">\u20b950,000<\/td>\n          <\/tr>\n          <tr>\n            <td>\u20b950,000<\/td>\n            <td class=\"maturity-val\">\u20b955,000<\/td>\n            <td class=\"maturity-val\">\u20b961,605<\/td>\n            <td class=\"maturity-val\">\u20b970,246<\/td>\n            <td class=\"maturity-val\" style=\"color:var(--gold)\">\u20b91,00,000<\/td>\n          <\/tr>\n          <tr>\n            <td>\u20b91,00,000<\/td>\n            <td class=\"maturity-val\">\u20b91,10,000<\/td>\n            <td class=\"maturity-val\">\u20b91,23,210<\/td>\n            <td class=\"maturity-val\">\u20b91,41,493<\/td>\n            <td class=\"maturity-val\" style=\"color:var(--gold)\">\u20b92,00,000<\/td>\n          <\/tr>\n          <tr>\n            <td>\u20b92,00,000<\/td>\n            <td class=\"maturity-val\">\u20b92,20,000<\/td>\n            <td class=\"maturity-val\">\u20b92,46,420<\/td>\n            <td class=\"maturity-val\">\u20b92,82,986<\/td>\n            <td class=\"maturity-val\" style=\"color:var(--gold)\">\u20b94,00,000<\/td>\n          <\/tr>\n          <tr>\n            <td>\u20b95,00,000<\/td>\n            <td class=\"maturity-val\">\u20b95,50,000<\/td>\n            <td class=\"maturity-val\">\u20b96,16,050<\/td>\n            <td class=\"maturity-val\">\u20b97,07,464<\/td>\n            <td class=\"maturity-val\" style=\"color:var(--gold)\">\u20b910,00,000<\/td>\n          <\/tr>\n        <\/tbody>\n      <\/table>\n    <\/div>\n    <p class=\"tbl-note reveal\">* Maturity values are indicative and based on annual compounding. Actual values may vary slightly. Please visit your nearest NMD Society branch for the exact applicable rates at the time of deposit.<\/p>\n  <\/div>\n<\/section>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1bd1cf1 e-flex e-con-boxed e-con e-parent\" data-id=\"1bd1cf1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-214609f elementor-widget elementor-widget-html\" data-id=\"214609f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<section class=\"calc-section\" id=\"calculator\">\n  <div class=\"container\">\n    <div class=\"reveal\">\n      <div class=\"section-label\">FD Calculator<\/div>\n      <h2 class=\"section-title\">Calculate Your Maturity Amount<\/h2>\n      <p style=\"color:var(--muted);font-size:.93rem;max-width:540px\">Enter your deposit details below and instantly see how much your money will grow with NMD Society's Fixed Deposit scheme.<\/p>\n    <\/div>\n    <div class=\"calc-grid\">\n      <div class=\"calc-form reveal\">\n        <h3> FD Details<\/h3>\n\n        <div class=\"form-group\">\n          <label>Deposit Amount (\u20b9)<\/label>\n          <div class=\"range-wrap\">\n            <span class=\"range-val\" id=\"amtLabel\">\u20b91,00,000<\/span>\n            <input type=\"range\" id=\"amtRange\" min=\"5000\" max=\"1000000\" step=\"5000\" value=\"100000\" oninput=\"updateAmt(this.value)\"\/>\n          <\/div>\n          <input type=\"number\" id=\"amtInput\" value=\"100000\" min=\"5000\" step=\"500\" placeholder=\"Minimum \u20b95,000\" oninput=\"syncRange(this.value)\" style=\"margin-top:.75rem\"\/>\n        <\/div>\n\n        <div class=\"form-group\">\n          <label>Select Tenure<\/label>\n          <div class=\"tenure-btns\">\n            <button class=\"tenure-btn active\" onclick=\"setTenure(this,12,10)\">12 Months<br\/><small>12% p.a.<\/small><\/button>\n            <button class=\"tenure-btn\" onclick=\"setTenure(this,24,11)\">24 Months<br\/><small>11% p.a.<\/small><\/button>\n            <button class=\"tenure-btn\" onclick=\"setTenure(this,36,12)\">36 Months<br\/><small>12% p.a.<\/small><\/button>\n            <button class=\"tenure-btn\" onclick=\"setTenure(this,74,12)\">74 Months<br\/><small>Double Plan<\/small><\/button>\n          <\/div>\n        <\/div>\n\n        <div class=\"form-group\">\n          <label>Interest Rate (% p.a.)<\/label>\n          <input type=\"number\" id=\"rateInput\" value=\"10\" min=\"1\" max=\"20\" step=\"0.1\" oninput=\"calculate()\"\/>\n        <\/div>\n\n        <div class=\"form-group\">\n          <label>Compounding<\/label>\n          <select id=\"compoundSel\" onchange=\"calculate()\">\n            <option value=\"1\">Annually<\/option>\n            <option value=\"4\">Quarterly<\/option>\n            <option value=\"12\">Monthly<\/option>\n          <\/select>\n        <\/div>\n\n        <button class=\"calc-btn\" onclick=\"calculate()\">Calculate Maturity Amount<\/button>\n      <\/div>\n\n      <div class=\"calc-result reveal\" id=\"resultPanel\">\n        <h3>Your FD Summary<\/h3>\n        <div class=\"result-maturity\">\n          <div class=\"rm-label\">Maturity Amount<\/div>\n          <div class=\"rm-amount\" id=\"maturityAmt\">\u20b91,10,000<\/div>\n          <div class=\"rm-note\">At end of tenure<\/div>\n        <\/div>\n        <div class=\"result-row\">\n          <span class=\"rr-label\">Principal Invested<\/span>\n          <span class=\"rr-val\" id=\"resPrincipal\">\u20b91,00,000<\/span>\n        <\/div>\n        <div class=\"result-row\">\n          <span class=\"rr-label\">Interest Earned<\/span>\n          <span class=\"rr-val\" style=\"color:var(--gold-rich)\" id=\"resInterest\">\u20b910,000<\/span>\n        <\/div>\n        <div class=\"result-row\">\n          <span class=\"rr-label\">Interest Rate<\/span>\n          <span class=\"rr-val\" id=\"resRate\">12% p.a.<\/span>\n        <\/div>\n        <div class=\"result-row\">\n          <span class=\"rr-label\">Tenure<\/span>\n          <span class=\"rr-val\" id=\"resTenure\">12 Months<\/span>\n        <\/div>\n        <div class=\"result-row\">\n          <span class=\"rr-label\">Loan Eligibility (90%)<\/span>\n          <span class=\"rr-val\" style=\"color:#6ee7a0\" id=\"resLoan\">\u20b990,000<\/span>\n        <\/div>\n        <div class=\"progress-bar-wrap\">\n          <div class=\"pb-labels\">\n            <span>Principal<\/span>\n            <span>Interest<\/span>\n          <\/div>\n          <div class=\"pb-track\"><div class=\"pb-fill-principal\" id=\"pbPrincipal\" style=\"width:90%\"><\/div><\/div>\n          <div class=\"pb-track\"><div class=\"pb-fill-interest\" id=\"pbInterest\" style=\"width:10%\"><\/div><\/div>\n          <div class=\"pb-legend\">\n            <div class=\"pb-legend-item\"><div class=\"pb-dot\" style=\"background:rgba(255,255,255,.4)\"><\/div><span>Principal amount<\/span><\/div>\n            <div class=\"pb-legend-item\"><div class=\"pb-dot\" style=\"background:var(--gold-rich)\"><\/div><span>Interest earned<\/span><\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-19b96bc e-flex e-con-boxed e-con e-parent\" data-id=\"19b96bc\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-51b44c2 elementor-widget elementor-widget-html\" data-id=\"51b44c2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!-- KEY FEATURES -->\n<section class=\"features-section\">\n  <div class=\"container\">\n    <div class=\"reveal\">\n      <div class=\"section-label\">Scheme Features<\/div>\n      <h2 class=\"section-title\">Why Choose NMD Society FD?<\/h2>\n    <\/div>\n    <div class=\"features-grid\">\n      <div class=\"feature-card reveal\">\n        <div class=\"feat-icon navy\">\ud83d\udcb9<\/div>\n        <div class=\"feat-body\">\n          <h4>Higher Returns than Banks<\/h4>\n          <p>NMD Society offers FD interest rates of up to 12% p.a. \u2014 significantly higher than most nationalised and private banks, ensuring your savings grow faster.<\/p>\n        <\/div>\n      <\/div>\n      <div class=\"feature-card reveal\">\n        <div class=\"feat-icon green\">\ud83d\udeab<\/div>\n        <div class=\"feat-body\">\n          <h4>No TDS on Interest<\/h4>\n          <p>Interest earned on your Fixed Deposit with NMD Society is <strong>not subject to TDS (Tax Deducted at Source)<\/strong>, so you receive your full interest amount.<\/p>\n        <\/div>\n      <\/div>\n      <div class=\"feature-card reveal\">\n        <div class=\"feat-icon gold\">\ud83c\udfe7<\/div>\n        <div class=\"feat-body\">\n          <h4>Loan Against FD (up to 90%)<\/h4>\n          <p>Need funds urgently? Avail a loan of up to 90% of your FD value without breaking the deposit \u2014 your FD continues to earn interest while you access credit.<\/p>\n        <\/div>\n      <\/div>\n      <div class=\"feature-card reveal\">\n        <div class=\"feat-icon green\">\ud83d\udc68\u200d\ud83d\udc69\u200d\ud83d\udc67<\/div>\n        <div class=\"feat-body\">\n          <h4>Nomination Facility<\/h4>\n          <p>Secure your family's financial future by registering a nominee for your FD. In case of any eventuality, your deposit is transferred seamlessly to your nominee.<\/p>\n        <\/div>\n      <\/div>\n      <div class=\"feature-card reveal\">\n        <div class=\"feat-icon navy\">\ud83d\udccb<\/div>\n        <div class=\"feat-body\">\n          <h4>Flexible Tenure Options<\/h4>\n          <p>Choose from 12, 24, 36 months or opt for our special 74-month Double Plan where your money doubles. Pick the tenure that best suits your financial goals.<\/p>\n        <\/div>\n      <\/div>\n      <div class=\"feature-card reveal\">\n        <div class=\"feat-icon gold\">\ud83d\udcb0<\/div>\n        <div class=\"feat-body\">\n          <h4>Low Minimum Deposit<\/h4>\n          <p>Start investing with as little as <strong>\u20b95,000<\/strong> and add in multiples of \u20b9500. FD is accessible to everyone \u2014 no large lump sum required to begin.<\/p>\n        <\/div>\n      <\/div>\n      <div class=\"feature-card reveal\">\n        <div class=\"feat-icon green\">\ud83d\udd04<\/div>\n        <div class=\"feat-body\">\n          <h4>Auto-Renewal Option<\/h4>\n          <p>Opt for automatic renewal at maturity and continue to earn high interest without the hassle of visiting the branch every time your FD matures.<\/p>\n        <\/div>\n      <\/div>\n      <div class=\"feature-card reveal\">\n        <div class=\"feat-icon navy\">\ud83d\udee1\ufe0f<\/div>\n        <div class=\"feat-body\">\n          <h4>Safe &amp; Registered<\/h4>\n          <p>NMD Society is a registered co-operative society governed under the Co-operative Societies Act. Your deposit is handled with full regulatory compliance and transparency.<\/p>\n        <\/div>\n      <\/div>\n      <div class=\"feature-card reveal\">\n        <div class=\"feat-icon gold\">\ud83c\udf1f<\/div>\n        <div class=\"feat-body\">\n          <h4>Special Double Plan<\/h4>\n          <p>Invest for 74 months and double your money! Our flagship long-term FD plan guarantees 2\u00d7 returns \u2014 ideal for retirement planning and long-term wealth creation.<\/p>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-40a2870 e-flex e-con-boxed e-con e-parent\" data-id=\"40a2870\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2ba3fa1 elementor-widget elementor-widget-html\" data-id=\"2ba3fa1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!-- HOW TO APPLY -->\n<section>\n  <div class=\"container\">\n    <div class=\"reveal\" style=\"text-align:center\">\n      <div class=\"section-label\">Easy Process<\/div>\n      <h2 class=\"section-title\" style=\"margin:auto\">How to Open Your FD Account<\/h2>\n      <p style=\"color:var(--muted);max-width:500px;margin:auto;font-size:.92rem\">Booking a Fixed Deposit with NMD Society is quick and hassle-free. Follow these simple steps:<\/p>\n    <\/div>\n    <div class=\"steps-grid\">\n      <div class=\"step-card reveal\">\n        <div class=\"step-num\">01<\/div>\n        <h4>Become a Member<\/h4>\n        <p>You must be an active member of NMD Society to open an FD. If not yet a member, visit the nearest branch and complete the simple membership process.<\/p>\n      <\/div>\n      <div class=\"step-card reveal\">\n        <div class=\"step-num\">02<\/div>\n        <h4>Visit the Branch<\/h4>\n        <p>Walk into your nearest NMD Society branch and request the Fixed Deposit Application Form. Our staff will guide you through the options.<\/p>\n      <\/div>\n      <div class=\"step-card reveal\">\n        <div class=\"step-num\">03<\/div>\n        <h4>Choose Tenure &amp; Amount<\/h4>\n        <p>Select the deposit amount (min. \u20b95,000), preferred tenure (12\/24\/36\/74 months), and the interest payout option that suits your need.<\/p>\n      <\/div>\n      <div class=\"step-card reveal\">\n        <div class=\"step-num\">04<\/div>\n        <h4>Submit Documents &amp; Pay<\/h4>\n        <p>Submit your KYC documents along with the deposit amount. Receive your FD certificate immediately upon completion.<\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2dffcfa e-flex e-con-boxed e-con e-parent\" data-id=\"2dffcfa\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0108898 elementor-widget elementor-widget-html\" data-id=\"0108898\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!-- DOCUMENTS REQUIRED -->\n<section class=\"docs-section\">\n  <div class=\"container\">\n    <div class=\"reveal\" style=\"text-align:center\">\n      <div class=\"section-label\">Documentation<\/div>\n      <h2 class=\"section-title\" style=\"margin:auto\">Documents Required<\/h2>\n      <p style=\"color:rgba(255,255,255,.6);max-width:500px;margin:auto;font-size:.92rem\">Keep the following documents ready for a smooth and quick FD account opening process.<\/p>\n    <\/div>\n    <div class=\"docs-grid\">\n      <div class=\"doc-group reveal\">\n        <h4>\ud83e\udeaa Identity &amp; Address Proof<\/h4>\n        <ul class=\"doc-list\">\n          <li>Aadhaar Card (mandatory)<\/li>\n          <li>Voter ID Card<\/li>\n          <li>PAN Card<\/li>\n          <li>Passport (if available)<\/li>\n          <li>Electricity or Water Bill (address proof)<\/li>\n          <li>Rent Agreement (for tenants) + Landlord's utility bill<\/li>\n        <\/ul>\n      <\/div>\n      <div class=\"doc-group reveal\">\n        <h4>\ud83d\udcf8 Additional Requirements<\/h4>\n        <ul class=\"doc-list\">\n          <li>3 recent passport-size photographs<\/li>\n          <li>Completed FD Application Form (provided at branch)<\/li>\n          <li>Membership details of NMD Society<\/li>\n          <li>Nominee details (name, relationship, Aadhaar)<\/li>\n          <li>Mode of deposit (cash \/ cheque \/ bank transfer)<\/li>\n          <li>Mobile number for SMS alerts and communication<\/li>\n        <\/ul>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fbb252c e-flex e-con-boxed e-con e-parent\" data-id=\"fbb252c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-649e0f1 elementor-widget elementor-widget-html\" data-id=\"649e0f1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!-- FAQ -->\n<section style=\"background:var(--off-white)\">\n  <div class=\"container\">\n    <div class=\"reveal\">\n      <div class=\"section-label\">Common Questions<\/div>\n      <h2 class=\"section-title\">Frequently Asked Questions<\/h2>\n    <\/div>\n    <div class=\"faq-list\">\n      <div class=\"faq-item reveal\">\n        <div class=\"faq-q\" onclick=\"toggleFaq(this)\">\n          What is the minimum amount required to open an FD with NMD Society?\n          <span class=\"arrow\">\u25bc<\/span>\n        <\/div>\n        <div class=\"faq-a\">The minimum deposit amount is <strong>\u20b95,000<\/strong>. After that, you can deposit in multiples of \u20b9500. There is no maximum limit on the amount you can invest in an FD.<\/div>\n      <\/div>\n      <div class=\"faq-item reveal\">\n        <div class=\"faq-q\" onclick=\"toggleFaq(this)\">\n          Is TDS deducted on the interest I earn on my FD?\n          <span class=\"arrow\">\u25bc<\/span>\n        <\/div>\n        <div class=\"faq-a\">No. Interest earned on Fixed Deposits with NMD Society is <strong>not subject to TDS (Tax Deducted at Source)<\/strong>. You receive the full interest amount without any deduction at source.<\/div>\n      <\/div>\n      <div class=\"faq-item reveal\">\n        <div class=\"faq-q\" onclick=\"toggleFaq(this)\">\n          Can I take a loan against my Fixed Deposit?\n          <span class=\"arrow\">\u25bc<\/span>\n        <\/div>\n        <div class=\"faq-a\">Yes. Members can avail a loan of <strong>up to 90% of the FD value<\/strong> without breaking the deposit. The interest rate on this loan is 2% above the FD rate on a reducing balance basis. Your FD continues to earn interest even while the loan is active.<\/div>\n      <\/div>\n      <div class=\"faq-item reveal\">\n        <div class=\"faq-q\" onclick=\"toggleFaq(this)\">\n          What happens if I withdraw my FD before maturity?\n          <span class=\"arrow\">\u25bc<\/span>\n        <\/div>\n        <div class=\"faq-a\">Pre-mature withdrawal is allowed subject to NMD Society's terms and conditions. Premature closure guidelines, including any applicable penalty, will be communicated by the branch at the time of FD booking. We strongly recommend completing the tenure to maximise your returns.<\/div>\n      <\/div>\n      <div class=\"faq-item reveal\">\n        <div class=\"faq-q\" onclick=\"toggleFaq(this)\">\n          What is the Double Plan \/ 74-Month FD?\n          <span class=\"arrow\">\u25bc<\/span>\n        <\/div>\n        <div class=\"faq-a\">The <strong>74-Month Double Plan<\/strong> is NMD Society's flagship long-term FD scheme where your invested amount doubles at maturity. For example, \u20b950,000 invested today becomes \u20b91,00,000 at the end of 74 months. It is ideal for long-term financial goals like retirement, children's education, or marriage planning.<\/div>\n      <\/div>\n      <div class=\"faq-item reveal\">\n        <div class=\"faq-q\" onclick=\"toggleFaq(this)\">\n          Do I need to be an NMD Society member to open an FD?\n          <span class=\"arrow\">\u25bc<\/span>\n        <\/div>\n        <div class=\"faq-a\">Yes. Membership of NMD Society is mandatory to avail any of our financial products including Fixed Deposits. The membership process is simple and quick \u2014 visit your nearest branch with your KYC documents to become a member and simultaneously open your FD.<\/div>\n      <\/div>\n      <div class=\"faq-item reveal\">\n        <div class=\"faq-q\" onclick=\"toggleFaq(this)\">\n          Is my deposit safe with NMD Society?\n          <span class=\"arrow\">\u25bc<\/span>\n        <\/div>\n        <div class=\"faq-a\">Yes. NMD Society is a registered co-operative society functioning under the relevant Co-operative Societies Act and supervised by the Registrar of Co-operative Societies. All operations are fully computerised, transparent, and governed by the Society's bye-laws. Your deposits are safe and accounted for at all times.<\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-adee2c1 e-flex e-con-boxed e-con e-parent\" data-id=\"adee2c1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5c73074 elementor-widget elementor-widget-html\" data-id=\"5c73074\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<script>\n\/* \u2500\u2500 CALCULATOR \u2500\u2500 *\/\nlet currentMonths = 12;\nlet currentRate = 10;\n\nfunction fmt(n){ return '\u20b9' + Math.round(n).toLocaleString('en-IN'); }\n\nfunction updateAmt(v){\n  document.getElementById('amtLabel').textContent = fmt(v);\n  document.getElementById('amtInput').value = v;\n  calculate();\n}\nfunction syncRange(v){\n  const val = Math.min(1000000, Math.max(5000, parseInt(v)||5000));\n  document.getElementById('amtRange').value = val;\n  document.getElementById('amtLabel').textContent = fmt(val);\n  calculate();\n}\nfunction setTenure(btn, months, rate){\n  document.querySelectorAll('.tenure-btn').forEach(b=>b.classList.remove('active'));\n  btn.classList.add('active');\n  currentMonths = months;\n  currentRate = rate;\n  document.getElementById('rateInput').value = rate;\n  calculate();\n}\nfunction calculate(){\n  const P = parseFloat(document.getElementById('amtInput').value)||100000;\n  const r = parseFloat(document.getElementById('rateInput').value)||10;\n  const n = parseInt(document.getElementById('compoundSel').value)||1;\n  const t = currentMonths \/ 12;\n  const maturity = P * Math.pow(1 + (r\/100)\/n, n*t);\n  const interest = maturity - P;\n  const loan = P * 0.9;\n  const pct = (P\/maturity)*100;\n  const iPct = (interest\/maturity)*100;\n  document.getElementById('maturityAmt').textContent = fmt(maturity);\n  document.getElementById('resPrincipal').textContent = fmt(P);\n  document.getElementById('resInterest').textContent = fmt(interest);\n  document.getElementById('resRate').textContent = r + '% p.a.';\n  document.getElementById('resTenure').textContent = currentMonths + ' Months';\n  document.getElementById('resLoan').textContent = fmt(loan);\n  document.getElementById('pbPrincipal').style.width = Math.round(pct) + '%';\n  document.getElementById('pbInterest').style.width = Math.round(iPct) + '%';\n}\ncalculate();\n\n\/* \u2500\u2500 FAQ \u2500\u2500 *\/\nfunction toggleFaq(el){\n  const item = el.parentElement;\n  const isOpen = item.classList.contains('open');\n  document.querySelectorAll('.faq-item').forEach(i=>i.classList.remove('open'));\n  if(!isOpen) item.classList.add('open');\n}\n\n\/* \u2500\u2500 REVEAL \u2500\u2500 *\/\nconst io = new IntersectionObserver(entries=>{\n  entries.forEach(e=>{if(e.isIntersecting){e.target.classList.add('visible');io.unobserve(e.target)}});\n},{threshold:.1});\ndocument.querySelectorAll('.reveal').forEach(el=>io.observe(el));\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Up to 12% Interest p.a. No TDS Deduction Loan up to 90% of FD Nomination Facility Fixed Deposit (FD) Scheme Grow your savings with assured, high-interest returns. Lock in your Get Membership Form Fixed Deposit Scheme Safe Investment. Higher Returns. Peace of Mind. The\u00a0NMD Society Fixed Deposit Scheme\u00a0is a savings and investment initiative designed to [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-392","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/web.conceptialmedia.com\/nmdsociety\/wp-json\/wp\/v2\/pages\/392","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/web.conceptialmedia.com\/nmdsociety\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/web.conceptialmedia.com\/nmdsociety\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/web.conceptialmedia.com\/nmdsociety\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/web.conceptialmedia.com\/nmdsociety\/wp-json\/wp\/v2\/comments?post=392"}],"version-history":[{"count":67,"href":"https:\/\/web.conceptialmedia.com\/nmdsociety\/wp-json\/wp\/v2\/pages\/392\/revisions"}],"predecessor-version":[{"id":1367,"href":"https:\/\/web.conceptialmedia.com\/nmdsociety\/wp-json\/wp\/v2\/pages\/392\/revisions\/1367"}],"wp:attachment":[{"href":"https:\/\/web.conceptialmedia.com\/nmdsociety\/wp-json\/wp\/v2\/media?parent=392"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}