Terms And Conditions (Customisable Flexi Fund)

Effective Date: November 13, 2025

This is the first in town Flexi Fund Monthly Savings with flexible tenure of 6 Months to 10 Years for uplifting Micro Businesses, Small Vendors, Small Entrepreneur, Students, Single Parents and Financially struggling individuals.
Maturity return starts from 4% to 85% per annum depending on the Tenure.
There shall be Only for Membership Special Provision as follows:-2-4% Loyalty borrowing privileged only for members.
Royalty Borrowing Privileged is appreciative borrowing available depending on the tenure and premium above 5000/-
In case of members filling for loans, his/her application should be adjusted in appropriate amount which shall be below the total premium paid so far on the date of filling the application form. The amount of which will be adjusted by the office.
After 12 Months, There will be three months zero interest loan facility for any members with admission to Intensive Care Unit, the amount of which will be determine based on the case.
Facilities provided can be extended to one or more dependent as per the rules
Due date for submission will be the date of membership enrollment.
Failure to pay the premium for 3 consecutive months will led to membership termination or appropriate negligence penalties as per rules.
There shall be loyalty bonus.
Adjustable and customizable repayment policy,
This plans and policies solely and rightfully belongs to CHIKIM ENTERPRISES PVT. LTD. Copyright infringement and modification of the above plans in any-form will invite a strict legal penalty under India Copyright Act 1957.
In case of sudden death, a member will be eligible for 25% condolence cover on all the amount deposited.