Guaranteed Monthly Pension Payout with
Janakalyan MIS & Fixed Deposits
Invest lumpsum once and receive up to ₹7,166/month guaranteed pension on ₹10 Lakhs (8.60% p.a.). Auto-credit on 1st of every month with 100% capital protection and Senior Citizen bonus.
Monthly Income Scheme (MIS)
Post Office & Co-operative Small Savings Schemes
Distribution of Small Savings Schemes & Term Deposits:
Janakalyan Multipurpose Co-operative Society provides trusted small savings instruments designed on the proven models of Indian Post Office Savings Bank (POSB) with higher interest yields and automated doorstep facility.
From Monthly Income Scheme (MIS) offering 8.60% guaranteed monthly pension payout to 444-Day Fixed Deposits offering 8.75% (9.25% for Senior Citizens) and Recurring Deposits starting at ₹500/month, every deposit is secured under co-operative statutory reserve norms.
8.60% p.a. regular monthly income auto-credited on 1st of every month.
8.75% General / 9.25% Senior Citizen quarterly compounded returns.
Start with ₹500/mo. Ideal for goal-based disciplined wealth creation.
Contact Small Savings & Deposit Desk
Chief Manager (Deposits & Small Savings), Janakalyan Central Office
Rabindra Avenue, English Bazar, Malda, West Bengal - 732101
Phone: 1800-200-8899 | Email: deposits@janakalyancoop.com
Financial Products Tailored for Your Growth
From high-interest deposit schemes to affordable collateral-free business loans, explore trusted banking crafted for you.
Post-Office Style Monthly Income Scheme (MIS)
Lumpsum investment with guaranteed monthly interest (pension) credited automatically on the 1st of every month.
Instant Personal Loan
Quick cash for all your immediate lifestyle & family needs with minimal documentation.
Aura Digital Savings Account
Zero-balance instant account with up to 7.25% interest rate and contactless RuPay Platinum card.
MSME & Micro Business Loan
Fuel your business growth, inventory purchase, machinery setup, and working capital needs.
High Yield Fixed Deposit
Guaranteed high returns up to 8.75% p.a. with quarterly compounding and DICGC protection.
Smart Gold Loan
Unlock highest per-gram value on your gold jewelry with instant doorstep or branch disbursal.
Disciplined Recurring Deposit (RD)
Build substantial wealth through small monthly contributions from just ₹500/month.
Vyapar Dynamic Current Account
Engineered for retailers, traders, and corporates with high cash deposit limits and free Soundbox.
Empowering Members with
High-Yield Rural & Agri Projects
Janakalyan Multipurpose Co-operative Society provides complete Project DPR assistance, subsidized bank loans, and government subsidy facilitation under Central & State development schemes.
Solar Energy & Solar Agri-Pump Project
Subsidized solar water pumps (3HP / 5HP / 7.5HP) for uninterrupted irrigation and rooftop solar PV installations for co-operative members and farm clusters.
- Government subsidy up to 60% under PM-KUSUM
- Co-operative low-interest term loan for member share
- Grid-connected net-metering & 25-year panel warranty
- Complete turnkey installation with 5-year free maintenance
High-Yield Cattle Dairy & Milk Farming
Complete financial backing to establish modern dairy units (2 to 50 crossbred HF / Gir cows), well-ventilated sheds, automated milking machines, and chilling tanks.
- Subsidized loans under National Livestock Mission (NLM)
- Comprehensive cattle insurance & veterinary support
- Direct milk procurement tie-up with local dairy federations
- Fodder cultivation & silage machine financing
Commercial Pisciculture & Fish Culture
Funding for freshwater fish pond re-excavation, commercial high-density Biofloc tanks, paddlewheel aerators, quality fingerling seed stock, and feed supply.
- Pradhan Mantri Matsya Sampada Yojana (PMMSY) support
- Pond excavation, water testing & paddle aerator loans
- Financing for Rui, Katla, Mrigal, Pangasius & Shrimp farming
- Harvest buyback network with regional fish wholesale markets
Modern Agriculture & Drip Irrigation
Empowering progressive farmers with tractor, power tiller, micro-drip irrigation, polyhouse protected cultivation, and organic farming inputs.
- Subsidized tractor & agri-machinery under SMAM scheme
- Micro-irrigation drip & sprinkler kit financing at 7%
- Polyhouse/Greenhouse setup for high-value off-season crops
- PMFBY crop insurance & FPO cluster integration
Have a Custom Agriculture, Dairy or Solar Project in Mind?
Our dedicated Project Cell assists members with Free Detailed Project Report (DPR) preparation, land suitability inspection, and sanctioning of co-operative loans with government interest subvention.
Calculate Monthly Income (MIS), FD Returns & Loan EMI
Guaranteed monthly pension payouts and high-yield wealth generation. Adjust the sliders below to see live returns and comparison charts.
Monthly Income Scheme (MIS) Calculator
Invest lumpsum once and get guaranteed monthly pension/income credited directly to your bank account
Enjoy monthly interest directly credited into your savings account with zero manual effort.
📊 Post-Office Style Investment vs Monthly Payout Chart
Instant monthly income comparison for common lumpsum deposit brackets
| Lumpsum Deposit | Monthly Income (Pension) | Annual Interest | Total 5-Yr Income Payout | Action |
|---|---|---|---|---|
| ₹1,00,000 | ₹717 / month | ₹8,600 / year | ₹43,000 | |
| ₹3,00,000 | ₹2,150 / month | ₹25,800 / year | ₹1,29,000 | |
| ₹5,00,000 | ₹3,583 / month | ₹43,000 / year | ₹2,15,000 | |
| ₹9,00,000 | ₹6,450 / month | ₹77,400 / year | ₹3,87,000 | |
| ₹15,00,000 | ₹10,750 / month | ₹1,29,000 / year | ₹6,45,000 |
Built on Uncompromising Trust & Security
Your hard-earned savings and financial data are safeguarded with the same rigorous regulatory standards as India's largest public sector banks.
DICGC Deposit Insurance up to ₹5,00,000
Every single rupee of your savings and fixed deposits is fully insured up to ₹5 Lakh by DICGC, a 100% subsidiary of the Reserve Bank of India.
RBI Scheduled Small Finance Bank
Licensed under Section 22(1) of the Banking Regulation Act, 1949 and included in the Second Schedule of the Reserve Bank of India Act, 1934.
Military-Grade 256-Bit SSL & Tokenization
Multi-factor authentication (MFA), biometric login, and dynamic fraud prevention shields to ensure zero unauthorized transactions.
Deep Roots in Grassroots & MSME Finance
Over 10+ years of dedicated service empowering micro-entrepreneurs, self-help groups (SHGs), rural farmers, and regional retail businesses.
Banking in your palm.
Faster, safer & effortless.
From instant UPI scan & pay to digital FD booking in 60 seconds and zero-charge fund transfers — experience seamless digital banking in English, Bengali, and Hindi.
Instant UPI & QR Scan
Send money instantly using phone number or scanning any UPI QR.
60-Sec Digital FD Booking
Earn up to 8.75% interest with 1-click instant e-deposit certificates.
Card Controls & Limits
Freeze card, manage ATM limits, enable online transactions on the go.
Biometric Face/Touch ID
Bank with biometric security without memorizing complex passwords.
Loved by Over 2.4 Million Depositors & Borrowers
Real voices from merchants, agriculturalists, professionals, and senior citizens thriving with Malda SFB.
"Getting a ₹15 Lakh working capital loan for my fruit processing unit used to take 2 months with PSU banks. Malda SFB sanctioned our CGTMSE business loan in just 5 working days with minimal hassle!"
Anupam Ghosh
Mango Processing & Export Merchant, English Bazar, Malda
MSME Vyapar Loan"I invested my superannuation retirement fund in their Senior Citizen Fixed Deposit bucket at 9.25% p.a. The monthly interest credited directly supports our household expenses with complete DICGC safety."
Dr. Debabrata Roy
Retired Professor, Chanchal, Malda
Senior Citizen FD (9.25%)"Our women’s handicraft group received training and a micro-enterprise loan directly at our village doorstep. We now employ 24 women weavers and operate our own export orders."
Ruma Mondal
Self-Help Group (SHG) Leader & Textile Artisan, Old Malda
Micro-Enterprise & SHG CreditFrequently Asked Questions
Clear, transparent details about our banking guidelines, interest rates, and loan procedures.
Have a specific question not listed here?
Our 24x7 customer support bankers are ready to assist you.