(Lodging, Rent, Maintenance etc)

(, , - )
(Mobile Bills, Eating out etc.)

( , .. )
(Medical & other Expenses)

( -, )

(Tuition Fees or Higher Education)

(
, )
(Monthly, Half Yearly or Yearly)

( , )

(Home or Car Loans)

( , )

Principal Security

Assured returns

Immediate Replacement
of all Financial
Responsibilities

NO

YES

NO

YES

NO

NO

NO

NO

NO

Max. Up-To 1 Lac

1
For Short Term Only

Not Possible

Liquidity For Emergency

Tax Efficient

YES

NO

NO

NO

NO

NO

You have to break your saving which

will affect Future Commitments


Not Available

Source: RBI norms under DICGC

1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
15.
16.
17.
18.
19.

District Co-operative Bank Ltd, Gonda, Uttar Pradesh

The Maratha Co-operative Bank Ltd, Hubli, Karnataka
Parivartan Co-operative Bank Ltd, Mumbai, Maharashtra
Ravi Co-op Bank Ltd, Kolhapur, Maharashtra
Indira Priyadarshini Mahila Nagarik Sahakari Bank Ltd, Raipur, Chhattisgarh
Bharuch Nagarik Sahakari Bank Ltd, Bharuch, Gujarat
Shree Janta Sahakari Bank Ltd, Radhanpur,
Indian Co-operative Development Bank Ltd, Meerut, UP
The Challakere Urban Co-operative Bank Ltd,(under liquidation), Challakere, Karnataka
The Harugeri Urban Co-op Bank Ltd, Harugeri, Karnataka
Varada Co-op Bank Ltd, Karjagi, Dist, Haveri, Karnataka
Talod Janta Sahakari Bank Limited, Talode, Gujarat
Kittur Rani Channamma Mahila Pattana Sahakari Bank Ltd, Hubli, Karnataka
Ichalkaranji Jiveshwar Sahakari Bank Ltd, Ichalkaranji, Maharashtra
Sarvodaya Mahila Co-operative Bank Ltd, Burhanpur, MP
Chetak Urban co-operative bank Ltd, Parbhani, Maharashtra
Nagaon Urban Co-operative bank Ltd. Nagaon, Assam,
The Dakor Mahila Nagrik Sahakari Bank Ltd, Gujarat
Basavakalyan Pattana Sahakari Bank Niyamitha, Basaganj, Karnataka

Principal Security
Principal
Security

YES
YES

NO
NO

NO
NO

YES /
YES /

YES
YES

NO
NO

NO
NO

YES /
YES /

Immediate Replacement
of all Financial
Immediate
Replacement
Responsibilities
of
all
Financial

Responsibilities

NO
NO

NO
NO

YES
YES

Only Invested Amount with Interest

Only Invested Amount with Interest
will be Given
will be Given

Liquidity For Emergency

NO

NO

YES

NO

NO

YES

YES

NO

NO

YES

NO

NO

Assured returns
Assured
returns

Liquidity For Emergency

Tax Efficient

Tax Efficient

After 5 Years 5
After 5 Years 5
YES /
YES /

Principal Security

Assured returns

Immediate Replacement
of all Financial
Responsibilities

NO

YES

NO

Subject to Market Risk

NO

YES

NO

Not Guaranteed

NO

NO

YES

Not Possible

Liquidity For Emergency

Tax Efficient

Available at any Time but will Affect

YES

NO

NO

NO

YES

NO

Future Commitment,

Only available for Tax Saver Mutual
Funds ,

Source: Live Mint April 2014

<,

Principal Security

Assured returns

Immediate Replacement
of all Financial
Responsibilities

NO

NO

YES

Not Secured

YES

NO

NO

As per Market Conditions,

NO

NO

NO

Not Possible

Liquidity For Emergency

Tax Efficient

Cost will Reduce as there are Many

YES

NO

NO

Deduction in the Selling Process,

NO

NO

NO

Not Available

Source: THE TIMES OF INDIA| 15th July 2014| Aparna Ramalingam

Protect Bank Locker Content through Insurance

Protect Bank Locker Content through Insurance

Source: DNA, 18th Nov 2014 | Khyati Dharmasi

Principal Security

Assured returns

Immediate Replacement
of all Financial
Responsibilities

YES

NO

NO

Secured

YES

NO

NO

As per Market Rate

NO

NO

YES

Not Possible

Liquidity For Emergency

Tax Efficient

Have to Sell Whole Property as Half

NO

NO

YES

Property Cant be Sold,

NO

NO

YES

Not Available

Source: Mumbai Mirror | 9th May 2014

Source: Dainik Jagran| Kanpur|2014

Principal Security

Assured returns

Immediate Replacement
of all Financial
Responsibilities

YES

NO

NO

Secured/

YES

NO

NO

Assured return is Guaranteed

YES

NO

NO

YES

NO

NO

Liquidity For Emergency

Tax Efficient

YES

NO

NO

It will take care of All Financial
Commitments

After 3 Years of Term 3

Investment and Return both are
TAX FREE /