Deposit Schemes & Accounts

At HMC Bank, we offer diverse investment vehicles designed to cater to every segment of society. Explore our high-interest plans tailored for your wealth growth.

Fixed Deposit (FD)

A Fixed Deposit is one of the safest investment avenues, offering higher interest rates than a regular savings account. It allows you to lock in a specific sum of money for a predetermined period, ensuring your capital remains safe while growing at a guaranteed rate.

Key Plan Details

Guaranteed fixed returns regardless of market fluctuations.
Flexible tenure options ranging from 1 year to 10 years.
Overdraft facility up to 90% of the deposit amount.
Nominations and automatic renewal facility available.
Special higher interest rates for Senior Citizens.
Quarterly or Monthly interest payout options.
₹10,000 — ₹10,00,000
Monthly / Quarterly / Maturity
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Recurring Deposit (RD)

The Recurring Deposit (RD) is an ideal savings tool for individuals who want to save a fixed portion of their earnings every month. It provides the benefit of high-interest rates associated with FDs without requiring a large lump sum at the beginning.

Tenure Options

12 Months: Short-term goals.
24 Months: Medium-term stability.
36 Months: Long-term wealth creation.

Why choose RD?

Build a habit of monthly systematic saving.
Interest is compounded quarterly for max returns.
Premature withdrawal facility available (T&C apply).
Direct debit from your savings account available.
₹100 — ₹10,000
12, 24, & 36 Months
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Daily Pigmy Deposit

The Daily Pigmy scheme is a unique product tailored for daily wage earners, small retailers, and entrepreneurs. It brings the bank to your doorstep, allowing you to save very small amounts of money every single day that eventually grow into a significant corpus.

Doorstep Convenience

Our authorized bank agents visit your home or place of business daily to collect the deposit and update your ledger instantly. No need to visit the bank or stand in long queues.

Key Advantages

Minimum 6 months locking period for stability.
High liquidity after the initial lock-in period.
Absolute zero paperwork for daily transactions.
Ideal for accumulating funds for business cycles.
₹100 — ₹10,000
6 Months Mandatory
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