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<h1>Nidhis must invest 10% of deposits in term deposits with scheduled banks or post offices, not co-op banks.</h1> Every Nidhi must invest at least ten percent of its outstanding deposits in unencumbered term deposits with a scheduled commercial bank or post office, excluding cooperative or regional rural banks. This investment must be maintained based on the deposits at the close of business on the last working day of the second preceding month. Temporary withdrawals for unforeseen commitments are allowed with prior approval from the Regional Director, requiring an application in Form NDH-2 and a specified fee, ensuring the restoration of the ten percent limit within a set timeframe.