Rate of Interest

Minimum Balance

Nature

Normal

Senior Citizen

Rural

Semi Urban

Urban

Account

1

SAVING BANK A/C

A

Domestic

 Upto Rs. One Lac

Above Rs. One Lac

Upto Rs. One Lac

Above Rs. One Lac

a

With Cheque Book Facility

3.25%

3.25%

3.25%

3.25%

1000/-

b

Without Cheque Book Facility

3.25%

3.25%

3.25%

3.25%

500/-

c

No Frills Account

3.25%

3.25%

3.25%

3.25%

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 above Rs 15 Lakhs

46 Days to 180 Days

3.50%

4.00% **

3.50%

4.00% **

181 Days to 1 Year

4.50%

5.00% **

4.50%

5.00% **

Above 1 Year to 3 Years

5.50%

6.00% **

5.50%

6.00% **

Above 3 Years to 5 Years

6.50%

7.00% **

7.00%

7.50% **

** Senior Citizens ( Above 60 years )

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. 35 LAKHS

MORE THAN RS. 35 LAKHS

ABOVE RS. LAKHS UPTO RS LAKHS

ABOVE RS. LAKHS

Floating Category

0.254% Max. Rs. 15,000/- Plus GST

Upto 5 years

more than 5 yrs and Upto 10 yrs

More than 10 yrs

Fixed Category

HOUSING LOAN

Upto 5 years

6.50%

6.50%

-

-

more than 5 yrs and Upto 10 yrs

6.50%

6.50%

-

-

More than 10 yrs

6.50%

6.50%

-

-

2

PERSONAL LOAN

UPTO Rs. 1 Lakhs

upto Rs. 2 Lakh

  Above Rs. 2 Lakh

a

Consumer Durable Loan

10%

-

-

 0.254% Max. Rs. 15,000/- Plus GST

b

Senior Citizen Loan Scheme

-

-

-

-

       -

c

Personal Loan Scheme

12%

12%

        -

d

3

VEHICLE LOAN

a

Personal Vehicle

7%

7%

7%

0.254% Max. Rs. 15,000/- Plus GST

b

Commercial Vehicle

7%

7%

7%

Do

4

EDUCATION LOAN

Upto Rs 20 Lakhs

Above Rs 20 Lakhs

8.50%

9.00%

0.254% Max. Rs. 15,000/- Plus GST

CHARGES

Fee Based Services (Excluded GST)

1

                                  Lockers

Type of Lockers

Metro / Urban/Semi Urban

Rural

1 Year

2 Year

3 Year

1 Year

2 Year

Small

508

1016

1524

Medium

763

1526

2289

Large

1017

2034

3051

2

Debit Cards

International Debit Cards

3

Drafts / TT / MT

Issue

Min. Rs 38/- , Max. Rs 6525/

Cancellation

Up to Rs. 500/-                                         Rs. 25/-

Above Rs. 500/- Upto Rs. 1000/-            Rs. 28/-

Above Rs. 1000/- Upto Rs. 5000/-          Rs. 46/-

Above Rs. 5000/- Upto Rs. 10,000/-       Rs. 65/-

Above Rs. 10,000/-                                  Rs. 95/-

4

Outstation Cheque Collection

Saving Account:- Upto Rs. 5,000/- - Rs. 35/- Per Cheque

 Upto Rs. 10,000/- - Rs. 70/- Per Cheque
Above Rs. 10,000/- Upto Rs. 1,00,000/- - Rs. 95/- Per Cheque
Above Rs. 1,00,000/-- Rs. 160/- Per Cheque

Other Account:- Upto Rs. 5,000/- - Rs. 70/- Per Cheque

 Upto Rs. 10,000/- - Rs. 95/- Per Cheque
Above Rs. 10,000/- Upto Rs. 1,00,000/- - Rs. 140/- Per Cheque
Above Rs. 1,00,000/-- Rs. 185/- Per Cheque

5

NEFT Money Transfer

Inward

No Charges

Outward

No Charges

6

RTGS Money Transfer

Inward

  No Charges

Outward

 No Charges

Urban Areas

Semi Urban Areas

7

Cheque return Charges

Outward Return

Inward Return

Outward Return

Inward Return

For Saving Accounts

28/- Per Cheque

Rs. 6/- Per 1000/- Minimum Rs. 95/- and Maximum Rs. 4650/-

For Current, Overdraft, Cash Credit Accounts

45/- Per Cheque

Rs. 6/- Per 1000/-Minimum Rs. 95/- and Maximum Rs. 4650/-

Dishonor of outstation / local bills & Cheques

30/- Per 1000/-

Min. Rs. 185/-, Max. Rs. 3700/-

30/- Per 1000/-

Min. Rs. 185/-, Max. Rs. 3700/-

8

Cheque Book Issue

Rs. 5/- Per LEAF for Current Account and Saving account Rs. 4/- per LEAF

9

No Dues Certificate