The scheme envisages attracting deposits in small amounts from daily wage / income earners like professionals, small business people, Technicians, skilled labour, etc. Members have to deposit a pre-determined amount on daily basis for a defined period and at the end of the period the amount deposited will be paid with interest.

• Any member can open savings bank account singly or jointly with any other member. (Membership Fee-Rs.100/-)
• In case of joint account the account can be operated by jointly/ Either or Survivor/Former or Survivor/Later or Survivor/Any one or survivor
• No Minimum Balance 
• Initial deposit amount: Rs. 400/-
• Passbook facility
• Interest rate @ 4% on average daily balance method.
• Automatic SMS for all transactions in the account
• TDS not applicable. Aadhar/PAN Copy/Form 60/ Form 15 G / Form 15 H will be obtained