This savings is a minimum of Rs. 500 or 500 is the equivalent of dividing the number by the regular monthly savings of 144 months. This savings is called Ajiwan (Pension) Bachat as it is being handed over to the heirs after the death of the saver.

• This savings will have to be accumulated every month as monthly gradual savings for 144 months.
• From the 145th month onwards, every month will be refunded at the rate you have accumulated as long as you live.
• After the death of the saver, amount will be returned to his rightful heir or to the person recommended by him.
• The order and chain of return will be passed down from one generation to the next.
• After reaching 72 months, the concerned savers will be provided an amount equal to 6 months of savings in each Dashain as Dashain bonus . Savings amount equal to 7 months will be provided in the case of  women and children.
• If you want to withdraw from this program after reaching 144 months, the amount deposited and the facility taken till the date of return of the member will be deducted and will be refunded with interest rate at the rate of 12 percent.
• After the members participating in this savings program reach the age of 6 years, the organization will make the savers participate in the cooperative tour program for a minimum of 3 days to a maximum of 7 days each year free of cost.