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This fixed deposit scheme enables depositors to open an account with ₹50 and thereafter in multiple of ₹50 (rural and semi-urban). The fixed deposit (FD) gives loan/overdraft facility upto 95 percent of the deposit amount.

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B-TO-B A BETTER BET Until the early 1980s, Edmund Scientific had been the cataloger’s flagship book. But during the past 20 years, Edmund Optics de-emphasized it in favor of its Edmund Industrial Optics catalog, which sells optical and imaging component solutions to semiconductor, telecommunication, and medical professionals. Whereas Edmund Scientific accounted for 75%-80% of the company’s sales in 1980-81, by this year it accounted for only 20% of overall sales.

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Edmund Scientific, which targets some educators in addition to hobbyists, will retain its name under the $50 million SK. “The Edmund Scientific name has a lot of history,” says Randy Burkard, president of Tonawanda, NY-based SK.

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Synonyms for OPTICAL: optic, visual, ocular, focusing, seeing, sighted, focussing; Antonyms of OPTICAL: nonvisual.

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V. You can also get an overdraft against your fixed deposit to meet urgent cash requirements without breaking your deposit.

For instance, Bank of Baroda (BOB) has rolled out a recurring deposit plan which is similar to a recurring deposit wherein depositors can deposit small deposits in regular intervals across 6 to 20 months.

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Four years after putting Edmund Scientific on the selling block, Edmund Optics has sold the $10 million science hobbyists catalog to Science Kit & Boreal Laboratories (SK), a division of $1.46 billion laboratory supplies cataloger VWR Scientific Products. Terms were not disclosed.

A number of banks have lately rolled out new deposit schemes to woo the current and new depositors. Some of these schemes are rolled after making minor tweaks in the regular deposit schemes.

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The $48 million Barrington, NJ-based Edmund Optics is retaining its core title, business-to-business catalog Edmund Industrial Optics. “The growth rates were faster on our optical b-to-b business,” says Nicole Edmund, vice president of marketing. “So with a limited amount of resources, we wanted to stick with what was giving us our greatest return.”

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Burkard says his company plans to share an as yet undetermined number of Edmund products with three SK catalogs that mail to teachers. At the same time, some items from the existing SK catalogs will be added to the Edmund book. But the company does not plan to mail Edmund books to the SK lists or SK books to the Edmund house file.

In case of partial withdrawal of the Liquid Plus FD, value of fixed deposit after the partial withdrawal should be equal to or more than the minimum fixed deposit value.

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“The Scientific side of the business needed the leadership and entrepreneurial spirit to take it to the next level,” Edmund says. “That’s why we think VWR was a good fit.”

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In the liquid plus fixed deposit, interest payouts are as per financial year. Monthly interest payouts will be on first of every month, quarterly interest payouts will be on the first of every quarter, half-yearly payouts will be on 1 October and 1 April.

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The newly-launched fixed deposit scheme offers an interest rate of 6.75 percent per annum across tenures which range between 7-180 days. So, one can open a fixed deposit for any time period ranging between one week to six months to earn an interest of 6.75 percent.