|
|
|
Rate
of Interest
|
Minimum
Balance
|
|
|
Nature
|
Normal
|
Senior
Citizen
|
Rural
|
Semi
Urban
|
Urban
|
|
|
Account
|
|
|
1
|
|
SAVING BANK A/C
|
|
|
|
A
|
Domestic
|
|
|
|
|
a
|
With Cheque Book Facility
|
3.5%
|
3.5%
|
|
|
1000/-
|
|
|
|
b
|
Without Cheque Book Facility
|
3.5%
|
3.5%
|
|
|
1000/-
|
|
|
|
c
|
No Frills Account
|
3.5%
|
3.5%
|
|
|
With Zero Balance
|
|
|
|
|
|
|
B
|
Non Resident
|
|
|
|
|
a
|
NRO
|
|
|
|
|
|
|
|
|
b
|
NRE
|
|
|
|
|
|
|
|
|
|
|
2
|
|
TERM DEPOSITS
|
|
|
|
A
|
Domestic
|
Rate of Interest
|
|
|
|
|
Term Deposits (All Maturities)
|
Upto and Below Rs 15 Lakhs
|
For Deposits Rs 15 Lakhs but
less than Rs 1 Crore
|
|
|
|
|
46 Days to 180 Days
|
5%
|
5.5%
|
5%
|
5.5%
|
|
|
|
|
|
181 Days to 1 Year
|
6%
|
6.5%
|
6%
|
6.5%
|
|
|
|
|
|
Above 1 Year to 3 Years
|
7.5%
|
8%
|
8%
|
8.5%
|
|
|
|
|
|
Above 3 Years
|
8%
|
8.5%
|
8.5%
|
9%
|
|
|
|
|
B
|
Non-Resident
Accounts
|
|
|
|
a
|
NRO
(All Maturities)
|
|
|
|
|
|
|
|
|
b
|
NRE
(All Maturities)
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Rate
of Interest
|
|
|
|
|
|
1
year & above but < 2 years
|
2
years & above but < 3 years
|
3
years & above but < 4 years
|
4
years & above but < 5 years
|
For
5 years (Maximum)
|
|
|
|
C
|
FCNR
(B)
|
|
|
|
I)
|
USD
|
-
|
-
|
-
|
-
|
-
|
|
|
|
II)
|
GBP
|
-
|
-
|
-
|
-
|
-
|
|
|
|
III)
|
EUR
|
-
|
-
|
-
|
-
|
-
|
|
|
|
IV)
|
CAD
|
-
|
-
|
-
|
-
|
-
|
|
|
|
V)
|
AUD
|
-
|
-
|
-
|
-
|
-
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
LOANS
|
|
|
|
|
Loans
|
Rate of Interest
|
Processing Charges
|
|
|
|
1
|
HOUSING LOAN
|
UPTO RS. LAKHS
|
MORE THAN RS. LAKHS UPTO RS.
LAKHS
|
ABOVE RS. LAKHS UPTO RS LAKHS
|
ABOVE RS. LAKHS
|
|
|
|
|
|
Floating Category
|
0.03%
|
|
|
|
|
Upto 5 years
|
|
|
|
|
|
|
|
|
more
than 5 yrs and Upto 10 yrs
|
|
|
|
|
|
|
|
|
More than 10 yrs
|
|
|
|
|
|
|
|
|
Fixed Category
HOUSING LOAN
|
|
|
|
|
Upto 5 years
|
12%
|
-
|
-
|
-
|
|
|
|
|
more
than 5 yrs and Upto 10 yrs
|
12%
|
-
|
-
|
-
|
|
|
|
|
More than 10 yrs
|
13%
|
-
|
-
|
-
|
|
|
|
|
|
|
|
|
|
|
|
|
|
2
|
PERSONAL LOAN
|
|
|
|
|
|
|
Upto Rs. 75000/-
|
More than RS. 75000/- UPTO
Rs. 1 Lakhs
|
Above Rs. 1 Lakhs
|
|
|
|
|
|
a
|
Consumer
Durable Loan
|
14%
|
14%
|
-
|
-
|
0.03%
|
|
|
|
b
|
Senior
Citizen Loan Scheme
|
-
|
-
|
-
|
-
|
-
|
|
|
|
c
|
Personal
Loan Scheme
|
13%
|
14%
|
-
|
-
|
-
|
|
|
|
d
|
|
|
|
|
|
|
|
|
|
3
|
VEHICLE LOAN
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
a
|
Two
Wheeler Loan
|
13%
|
13%
|
13%
|
|
0.03%
|
|
|
|
b
|
Three
Wheeler Loan
|
13%
|
13%
|
13%
|
|
0.03%
|
|
|
|
c
|
For
New Cars
|
13%
|
13%
|
13%
|
|
0.03%
|
|
|
|
d
|
For
Old Cars
|
13%
|
13%
|
13%
|
|
0.03%
|
|
|
|
4
|
EDUCATION LOAN
|
|
|
|
|
|
Upto Rs 4 Lakhs
|
Rs 4 Lakhs Upto Rs 20 Lakhs
|
|
|
|
|
|
|
|
|
11%
|
11%
|
|
|
0.03%
|
|
|
CHARGES
|
|
|
Fee Based Services
|
|
|
|
1
|
Lockers
|
|
|
|
|
Type
of Lockers
|
Metro / Urban/Semi Urban
|
Rural
|
|
|
|
|
1 Year
|
2 Year
|
3 Year
|
1 Year
|
2
Year
|
|
|
|
|
Small
|
400
|
800
|
1200
|
|
|
|
|
|
|
Medium
|
600
|
1200
|
1800
|
|
|
|
|
|
|
Large
|
800
|
1600
|
2400
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
2
|
Debit
Cards
|
|
|
|
|
|
International
Debit Cards
|
|
|
|
|
|
|
|
|
|
|
|
|
|
3
|
Drafts / TT / MT
|
|
|
|
|
|
|
|
|
|
Issue
|
2.5% Per Thousand Min. Rs 30/-
|
|
|
|
|
|
|
|
Cancellation
|
Up to Rs.
500/-
Rs. 25/-
Above Rs. 500/-
Upto Rs. 1000/- Rs. 30/-
Above Rs. 1000/-
Upto Rs. 5000/- Rs. 50/-
Above Rs. 5000/-
Upto Rs. 10,000/- Rs. 70/-
Above Rs.
10,000/-
Rs. 100/-
|
|
|
|
|
|
|
|
|
4
|
Outstation Cheque Collection
|
Upto Rs. 10,000/-
- Rs. 50/- Per Cheque
Above Rs. 10,000/- Upto Rs. 1,00,000/- - Rs.
100/- Per Cheque
Above Rs. 1,00,000/-- Rs. 150/- Per Cheque
(All Inclusive. No other Charges)
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
5
|
NEFT
Money Transfer
|
|
|
|
|
|
Inward
|
|
|
|
|
|
Outward
|
25/- PER ENTRY
|
|
|
|
6
|
RTGS
Money Transfer
|
|
|
|
|
|
Inward
|
|
|
|
|
|
Outward
|
|
|
|
25/- PER ENTRY
|
|
|
|
|
|
Urban
Areas
|
Semi
Urban Areas
|
|
|
|
|
7
|
Cheque return Charges
|
Outward
Return
|
Inward
Return
|
Outward
Return
|
Inward
Return
|
|
|
|
|
|
For
Saving Accounts
|
20/- Per Cheque
|
Rs. 5/- Per
1000/-
|
|
|
|
|
|
|
|
For Current, Overdraft, Cash Credit Accounts
|
30/- Per Cheque
|
Minimum Rs. 50/-
and Maximum Rs. 5000/-
|
|
|
|
|
|
|
|
Dishonor of outstation / local bills & Cheques
|
30/- Per Cheque +
postage charges
|
30/- Per postage
charges
|
|
|
|
|
|
|
8
|
Cheque Book Issue
|
Rs. 2/- Per LEAF
|
|
|
|
|
|
|
|
9
|
No Dues Certificate
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|