Acceptance of Deposits (S.73-76)
Accept deposits from members: circular, deposit insurance, trust deed, maintain liquid assets. Acceptance of Deposits (S.73-76) takes 7 steps over about 112 days and is filed with the ROC on DPT-1 and DPT-3.
Last updated: 10 August 2026
What if it’s filed late?
MCA charges additional fees that rise with the delay, up to 12 times the normal filing fee. OnCompliance tracks the date and warns you before it costs anything.
What is the timeline for Acceptance of Deposits (S.73-76)?
7 steps over about 112 days, filing DPT-1 and DPT-3 with the ROC. Each deadline below runs from the step before it.
| # | Step | Form filed | Deadline |
|---|---|---|---|
| 1 | Verify Eligibility | None | within 3 days |
| 2 | Board Resolution | None | within 7 days |
| 3 | Issue Circular to Members (DPT-1) | DPT-1 | within 14 days |
| 4 | Obtain Deposit Insurance | None | within 14 days |
| 5 | Execute Trust Deed | None | within 14 days |
| 6 | Accept Deposits | None | within 30 days |
| 7 | File DPT-3 (Annual Return) | DPT-3 | within 30 days |
What are the steps, in order?
The 7 steps below run in order; the day counts show how long each one allows.
Verify Eligibility
Confirm company is eligible to accept deposits under Companies (Acceptance of Deposits) Rules.
- Eligibility under Acceptance of Deposits Rules verified
Board Resolution
Board approves acceptance of deposits.
Issue Circular to Members (DPT-1)
Issue deposit circular containing terms and conditions.
Obtain Deposit Insurance
Arrange deposit insurance as per rules.
Execute Trust Deed
Execute trust deed with deposit trustee.
Accept Deposits
Accept deposits and issue receipts. Maintain 15% of maturing deposits in liquid assets.
File DPT-3 (Annual Return)
File annual return of deposits.
Every guide runs like this in OnCompliance: steps in order, dates in view, paperwork made for you at each step.
Common questions
How long does Acceptance of Deposits (S.73-76) take?
About 112 days across 7 steps. The first step is: Verify Eligibility.
Which MCA forms are filed for Acceptance of Deposits (S.73-76)?
DPT-1 and DPT-3. DPT-3 is the return of deposits filing under Rule 16.
What does it cost if DPT-1 and DPT-3 are filed late?
MCA charges additional fees that rise with the delay, up to 12 times the normal filing fee.
Can OnCompliance run Acceptance of Deposits (S.73-76) for me?
Yes. OnCompliance runs the same steps in order, dates in view, with the paperwork made for you at each step.