BGMCL has strategy to mobilize maximum amount of savings from its clients. It will encourage its clients to save so that capital can be created internally to meet their needs in the long run. BGMCL has following saving / deposit collection schemes.

Cooperative Saving

1. Daily Saving

   • Every day, members of the organization with the cash within a day, if necessary, to open a savings account, account to deposit the amount required to be paid and will be able to draw.
   • Daily account to withdraw money to be a member to attend the institution itself.
   • This type of account is opened within 6 months, the members therein to withdraw savings.
   • Open daily account with members of his passport-size photo request submitted to.
   • Daily savings account can be opened in a minimum of Rs 50.
   • Daily savings account money can be deposited their choice.
   • Daily interest savings account deposit of funds, including 6-6 months (of each fiscal year and to play a mid-July) will be given in. Year between the years of interest if the account should not be closed.
   • Daily savings account deposit in the amount of 7% of the annual interest rate will be provided. And such interest is related to a member of the account, including obstetrics passbooks.

2. Monthly Saving

   • Members can subscribe to and purchase of shares at the time of application giving the mandatory monthly savings account must be open, as prescribed according to savings deposits. However, if the amount of monthly savings deposits and passbook deposit can be sent.
   • The minimum amount of monthly savings of Rs. will be.
   • Each mid-month total monthly savings institution be reached.
   • Monthly savings account usually 1 year period will be.
   • The amount deposited in the period after the termination of your account member Rs. 100 account keeping inventories withdrawing more money again as usual the next month and continue to be able to deposit savings.
   • The amount of monthly savings institutions savings deposits were calculated by using the correct month or day, 1year surplus of 6% of the annual rate of interest will be provided.
   • Monthly savings account interest each year in mid-July and mid-calculated by using Paush related to a member of the Savings Deposit Account will be climbing even the bankbooks.

3. Fix deposit

   • Members had a certain amount of at least 5, 7, or 10 years for a fixed savings account opened in the organization will have to be gathered.
   • One fixed account again saving time and money to be found in other periodic.
   • Time and again, even when individual deposit account no. A separate account is open on. And the person’s individual deposit passbook separate sheet will be done.
   • Fixed savings deposits or removing members to be present themselves.
   • Surplus funds in fixed deposit savings deposits due to application you need to have at least 3 months prior to the period before the account is stuffed institutions give information.
   • Fixed on the basis of a surplus account over a period of 5, 7 or 10 on the savings amount will be paid double the amount of members. This year, 10% of the rate for the member of the surplus interest expense Interest Fund will be the sole organization.

In micro-finance program

1. Group Saving

   • Every member comes in group Center meeting day and deposit fixed amount of money in every center Meeting.
   • Right now amount fixed is Rs 20 for 14 days and 40 for 28 days center meeting.
   • Each member has their own A/c where every deposited amount will be added and shown in their respective a/c saving balance.
   • Interest rate 8 %
   • This saving a/c can be withdrawn if the member wants to leave from center.

2. Individual Saving

   • Individual saving can any time member come in office and deposit in her a/c
   • Each Member has their own a/c no.
   • Interest 8 %
   • The member can return her balance at any time.

3. Pension saving

   • Each member can open a a/c no.
   • This saving is like compulsory if open this type of a/c.
   • It can’t be withdrawn like individual saving.

4. Center Fund Saving

   • Every Member of center those who take first General loan have to deposit 5% of their loan amount in center fund saving a/c.
   • The member has to deposit center fund amount at first times if she has pension saving otherwise it is deposit in loan taken time.
   • The balance should be shown in her a/c
   • Interest rate 8 %
   • If the member leaves the center, center found amount is return with interest.