Monthly Deposit

Monthly Deposit

Start small, save smart, and secure your future.

The OnePay Monthly Deposit Scheme (MDS) is a thoughtfully designed savings plan that helps individuals turn their small monthly savings into meaningful financial growth. It’s a safe and convenient investment option that combines discipline, consistency, and guaranteed returns. Whether you’re a salaried employee, self-employed, or a homemaker, this plan gives you the confidence to grow your wealth steadily over time.

Under this scheme, you deposit a fixed amount every month for a chosen period — typically 12 months — and at the end of the term, you receive your total savings along with attractive interest benefits. The OnePay MDS is ideal for people who want to develop a regular saving habit while earning better returns compared to a normal savings account.

Why Choose OnePay MDS?

The Monthly Deposit Scheme is not just about saving; it’s about building financial discipline and achieving stability. It is designed for those who prefer structured savings over lump-sum investments. Here’s what makes it special:

  • Fixed Monthly Deposit: You decide how much you want to deposit each month — starting from ₹5,000 or more based on your financial comfort.
  • Attractive Returns: Enjoy up to 10% annual profit, significantly higher than traditional savings accounts.
  • Flexible Tenure: The standard period is 12 months, but you can renew or extend the plan upon maturity.
  • Safe & Secure: Your investment is completely protected under OnePay’s trusted microfinance system.
  • Guaranteed Payout: At the end of the term, you’ll receive your total deposits plus interest — directly in your bank account.
  • Timely Payments: OnePay ensures every maturity payment is processed on time, without any delay.

Example of Returns

If you invest ₹10,000 per month for 12 months, your total deposit will be ₹1,20,000. With 10% annual profit, you will receive approximately ₹1,32,000 at maturity — a safe and guaranteed return without any market risk.

Benefits at a Glance

  • Builds a strong saving habit for long-term financial goals.
  • Offers better returns than standard bank savings accounts.
  • Transparent and simple — no hidden deductions or complex terms.
  • Helps you achieve financial discipline through consistent monthly contributions.
  • Ideal for families, employees, homemakers, and small investors.
  • Ensures peace of mind through safe and secure fund management.
Who can open a Monthly Deposit Account?

Any individual above 18 years with valid ID proof can open an account with OnePay Microfinance.

You can start saving from just ₹5,000 per month.

The standard tenure is 12 months with an annual return rate of 10%.

Premature withdrawal is generally not allowed. However, in special cases, early closure may be permitted with adjusted interest benefits.

At the end of the term, your total amount (principal + interest) will be credited directly to your registered bank account.

Our Services

Daily Deposit Scheme

Monthly Deposit Scheme

Fixed Deposit Scheme

Monthly Income Scheme

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