Contribution & Savings
Your savings, growing with the community.
Kerala Necessity Co-operative Processing Agro Society offers four contribution schemes designed for farmers, families, and small businesses. Choose the plan that fits your life.
6% p.a.
Quarterly payout
Savings Contribution
A default savings account that opens automatically when you become a member. Use it to contribute and withdraw funds as needed. Interest is paid out at the end of every quarter — perfect for pensioners, working professionals, housewives, businessmen, and anyone building a steady savings habit.
- Opens automatically when you join as a member
- Contribute and withdraw any time
- Interest credited every quarter
Simple Interest
Daily product basis
Fixed Contribution
A dependable investment for members who want to grow a lump sum over a fixed period. Interest is calculated on a Simple Interest basis using the daily product method. Nomination facility is available, and you can choose how you want your interest paid — monthly, quarterly, half-yearly, yearly, or on maturity.
- Simple Interest — daily product basis
- Auto-renewal option available
- Nomination facility · Flexible interest payout
1–5 Years
Monthly contribution
Recurring Contribution
A systematic investment plan for members who prefer to contribute a fixed amount every month. Choose a tenure from 1 to 5 years, and on maturity, the full amount is credited directly to your bank account. Nomination facility is available.
- Monthly systematic investment
- Maturity amount credited to your bank account
- Nomination facility available
2× in 6 Years
Guaranteed doubling
Doubling Scheme
Our unique high-yield plan designed to double your contribution over a fixed tenure of 6 years. A specialised product offering a secure and systematic way to grow your savings — an excellent choice for individuals looking to maximise wealth for specific financial goals like education, marriage, or a home.
- Guaranteed doubling of your contribution
- Flexible contribution range
- Steady returns · ideal for family goals
Transparent rates for every scheme.
Choose a plan that fits your goals — from one-year fixed contributions to our signature Doubling Scheme. Every rate is clear, every return is predictable.
1-Year Fixed Contribution
FC · Lump-sum deposit
| Amount | 11.5% · Maturity | 12.5% · Maturity |
|---|---|---|
| 5,000 | 5,575 | 5,625 |
| 10,000 | 11,150 | 11,250 |
| 20,000 | 22,300 | 22,500 |
| 40,000 | 44,600 | 45,000 |
| 1,00,000 | 1,11,500 | 1,12,500 |
1-Year Recurring Contribution
RC · Monthly deposit
| Monthly | Total | 11.5% · Maturity | 12.5% · Maturity |
|---|---|---|---|
| 1,000 | 12,000 | 12,774 | 12,844 |
| 2,000 | 24,000 | 25,549 | 25,689 |
| 3,000 | 36,000 | 38,323 | 38,533 |
| 4,000 | 48,000 | 51,098 | 51,377 |
| 5,000 | 60,000 | 63,872 | 64,222 |
Savings Contribution
Daily access · Compound growth
Interest paid at the end of every quarter. Perfect for pensioners, working professionals, housewives, and businessmen who want steady returns.
Doubling Contribution
Signature scheme
Registered under the Central Co-operative Societies Act, 2002
The Kerala Agro Society operates under the Department of Agriculture and Cooperation, Ministry of Agriculture and Farmers Welfare. All contribution schemes are government-regulated and member-protected.
Visit msces.dac.gov.in