An assured return scheme, it has an additional feature of insurance and accident cover. It has a lock-in period of three years. Sum up to a maximum of Rs 40,000 is eligible for insurance. The investors would enjoy an insurance cover for 7 or 10 years. The investor will also have an accident cover on the amount invested subject to a maximum of Rs 20000. The scheme offers an assured return of 12 % per annum on the number of unit held. The units would be issued fo the balance amount after deducting a minimum amount towards insurance cover.