Raivik Finance DPS: A Simple 12-Month Savings Plan with 30% Returns


Raivik Finance DPS Scheme Overview

  • Deposit Pension Scheme (DPS) is one of the deposit plans offered by Raivik Finance, alongside their Fixed Deposit Receipt option raivikfinance.com.

  • Under this DPS:

    • You make monthly installments of ?500.

    • The installment interval is every 30 days, for a total of 12 installments (i.e., one per month) raivikfinance.com.

    • Over the course of the plan, you deposit a total of ?6,000 (?500 × 12).

    • Upon completion, you receive ?7,800, implying a return of ?1,800 on your total contribution raivikfinance.com.

  • The effective yield appears to be 30% of the total deposit amount, based on the numbers provided (“Interest Rate. 30%. Per Installment”) raivikfinance.com.

Suggested Article Outline: “Exploring Raivik Finance’s DPS Plan”

Here’s a structured outline that you could follow when writing an article about this scheme:

1. Introduction

  • Introduce what a Deposit Pension Scheme (DPS) is in general: a recurring monthly savings plan with a fixed tenure and guaranteed return.

  • Mention that Raivik Finance offers a specific variant tailored for small savers.

2. How Raivik Finance’s DPS Works

  • Describe the monthly installment amount (?500) and the 12-month duration.

  • Clarify that the total deposit is ?6,000, with a payout of ?7,800 at maturity.

  • Explain that the 30% return refers to the interest earned over the total deposit.

3. Benefits for Customers

  • Lower barrier to entry—only ?500/month.

  • Fixed returns make it predictable and budgeting-friendly.

  • Ideal for disciplined savers or first-time investors.

4. Considerations & Caveats

  • Highlight that there’s limited information:

    • Are there penalties for defaulting on an installment?

    • Can the plan be closed early or extended?

    • Are there any fees, taxes, or TDS applied?

  • Suggest that readers should confirm details directly with Raivik Finance’s customer service before enrolling.

5. Comparison with Similar Plans

  • Briefly compare Raivik’s DPS to similar schemes like DBH Finance’s DPS, which offers:

    • Flexible monthly deposits ranging from Tk. 1,000 to 100,000.

    • Tenure from 2 to 7 years.

    • 80% loan facility and premature withdrawal after a few months .

  • This helps contextualize Raivik’s scheme, which is more targeted and short-term.

6. Ideal Candidate & Use Cases

  • Position it as a great fit for newcomers to systematic saving.

  • Useful for setting aside funds for a small goal within a year (e.g., an expense or mini emergency buffer).

7. Final Thoughts & Call to Action

  • Reinforce the scheme’s simplicity and attractive yield.

  • Encourage readers to reach out to Raivik Finance directly for up-to-date terms, eligibility criteria, and application procedures.

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