Un-encumbered term deposits requirement: Nidhis must hold prescribed deposits in scheduled banks or post offices; withdrawals need Regional Director approval. Every Nidhi must hold un-encumbered term deposits in its own name with a scheduled commercial bank (excluding co-operative and regional rural banks) or post office deposits amounting to not less than ten percent of deposits outstanding as of the close of business on the last working day of the second preceding month. Temporary withdrawals for unforeseen commitments may be allowed only with prior Regional Director approval via Form NDH-2 with the prescribed fee, subject to conditions and time limits to ensure restoration of the required level.