Fixed Deposit (FD) is a financial instrument provided by UDDIPPAN MICRO SANCHAY ASSOCIATION to its members, which provides members a higher rate of interest than a regular savings account, until the given maturity date. For a fixed deposit is that the money cannot be withdrawn from the FD as compared to a  recurring Deposit or a demand deposit before maturity. UDDIPPAN MICRO SANCHAY ASSOCIATION offer additional services to FD holders such as loans against FD certificates at competitive interest rates.