For a certain period of time a member can deposit Rs. 1000 to  Rs. 20 lakhs for one  to  three years at the rate of 8.5 to 10.5 percent interest. If depositor wants to withdraw the amount before the time he  can get 90 percent of deposited amount as loan with 2 percent plus interest. The amount more than 20 lakhs can also deposited according to agreement.