Dont get duped by peerless. They make unsuspecting farmers to join their schemes and do not pay back. My mother had joined in a scheme of theirs and after 20 years, they told to send the original certificates to them so that they can deposit the amount in the bank account. They neither deposited the amount nor have the certificate with them now. When we call them now, they say that the money is with reserve bank and they cant get it and cant issue a duplicate certificates too. Effectively the money my mother deposited long back from her savings is lost for ever.