One of the best deposit schemes offered by KSFE. Sugama Deposit Scheme, in its mode of action/procedure, is comparable to the Savings Bank deposits in banks, but with a higher interest rate. Sugama Scheme is the best in the savings account category as it is offering an interest rate of 6%, while the maximum interest offered by banks for this scheme is 3.5%. Sugama acts as a safe and sound transaction scheme for automated chitty installments payment, deposit interest withdrawals and day-to-day dealings.