Is Your Fixed Deposit
Actually Insured?

Many depositors in and around Kolhapur don't realise that deposits with unregulated cooperative societies carry no deposit insurance at all. We place fixed deposits only with RBI-regulated banks, insured by the DICGC up to ₹5,00,000 per depositor, per bank — so your principal stays protected.

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What Makes a Fixed Deposit Safe

RBI-Regulated Banks Only

We place deposits only with banks regulated by the RBI — never with unregistered cooperative societies or unregulated schemes.

DICGC Insured

Bank deposits are insured by the DICGC up to ₹5,00,000 per depositor, per bank — principal and interest included.

Spread Across Banks

Larger sums are split across multiple banks in insured amounts, so no single deposit exceeds the cover limit.

Frequently Asked Questions

Deposits with RBI-regulated banks are insured by the DICGC up to ₹5,00,000 per depositor, per bank. Deposits with unregistered cooperative societies typically carry no such insurance — this is the single biggest risk we see in this region.

Bank fixed deposits with RBI-regulated banks offer comparable rates with the added protection of DICGC deposit insurance — we help you compare rates across banks before you decide.

We help you split larger sums across multiple RBI-regulated banks so each deposit stays within the insured limit.

Check If Your Deposit Is Safe

Tell us where your money is currently deposited — we'll help you understand your protection and explore insured alternatives.

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Is Your Fixed DepositActually Insured?