I am in need of a locker facility in madurai. I searched everywhere and found that the locker is available only in a HDFC bank. But the employee there asked me to opt for CREST plan after only which they could provide me a locker. I insisted to go for Fixed Deposit but she did not agree. She says that CREST will offer me a guaranteed return of 15% interest pa which is quite higher than fixed deposit. Buut i dont believe that to be true. Please suggest