• A unit based scheme where deposit is held in the units of 500/- each.
• It enables the depositor to withdraw any number of units during the currency of the deposit but not before completion of 45 days in the event of an exigency.
• Interest accrued on quarterly basis with compounding effect.

• 1000/= and above but in the multiples of Rs.500/-.

• 1000/= and above but in the multiples of 500/-.

• 6 months to 10 years.

• Current rate prescribed by the Bank .

• Allowed.

• Allowed. (Conditions Apply)

• Automatic access to obtain loan facility against the deposit.
• No execution of documents required for obtaining loan against the deposit.
• Depositors are not required to surrender the original Flexi Deposit Receipt at the time of availing of loan facility.
• Interest accrued on quarterly compounding basis.

• 6 months to 10 years.

• 1000 and above in multiples of 100/-.

• Current rate prescribed by the Bank

• Allowed. (Conditions Apply)

• Ideal product for short-term investors.
• Interest accrued on quarterly basis, but payable at maturity of the deposit.
• Can be opened with 100/= and above for different maturities ranging from 7 days to 10 years.

• A person in his/her name.
• More than one person in their joint names.
• Minor through guardian or himself if above 14 years of age.
• Blind Persons.
• Associations, Clubs, Societies, Trusts etc.

• Up to 90 per cent of the amount deposited with the Bank. (Conditions Apply)

• Ideal scheme for children through guardian.
• However, the scheme is open for all other categories of customers.
• Available in three maturity slabs of 12, 16 and 20 years.
• Free Accidental Insurance cover to the depositor
• The interest rates applicable to Child Care Deposit Scheme (General Public) w.e.f. 01-10-2012 shall be as follows

• The attaining of age of majority by minor will not affect the benefits entitled to him or her under the insurance cover.

• Monthly installments of Rs.100/= or multiples thereof.

• Option No. I: 7 years, but scheme runs for 12 years
• Option No. II: 9 years, but scheme runs for 16 years.
• Option No III: 10 years but scheme runs for 20 years.

• 90% of the amount accumulated at the completion of first phase. (Conditions Apply)

• A fixed deposit scheme.
• Minimum period of deposit six months.
• Amount to be deposited in multiples of Rs.100/-.
• The interest compounded quarterly, which ensures more and more returns on maturity.

• Six months to 10 years.

• Current rate prescribed by the Bank

• Allowed.

• Up to 90 per cent of the amount deposited with the bank. (Conditions Apply)

• The scheme has the option of depositing under variable interest rate.
• The floating rate of interest applicable to the deposit is usually higher than fixed rate.
• Interest rate reviewed after periodical intervals depending upon the market conditions. - Every time rate of interest is re-set it applies to the deposit from the date of change notified by the Bank for the residual period of the deposit till its maturity or next review whichever is earlier.
• Rate of interest is simple and can be payable to the depositor quarterly.

• 1000/- and above in multiples of 100

• 1-10 years.

• 90% of the deposit plus interest accrued.(Conditions Apply)

• Enables the depositor to convert his/her regular monthly savings to a lump sum amount and earn higher rates of interest.
• Fixed monthly installment.
• Minimum Monthly installment of 50/- and above in multiples of .5/-.

• One year to 10 years.

• Allowed.

• Allowed.(Conditions Apply)

• Ideal scheme for persons having fluctuating income.
• Facilitates a depositor to deposit variable amounts of installments at his FREE WILL without any binding on depositing the fixed installments.
• Minimum core monthly installment is .100/- or multiples thereof.
• No ceiling on amount to be deposited.
• The account can be opened by
  • An individual in his / her own name.
  • More than one person in their joint names.
  • A minor through guard

• 6 months to 10 years.

• Current rate prescribed by the Bank

• Up to 90% of the amount outstanding at any particular time.

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• Allowed.(Conditions Apply)

• Core term deposit of .25,000/- linked to an operative a/c, SB or CD.
• The core term deposit and the linked operative account must have the same account title.
• Only one Smart Saver term deposit linked to the operative account.
• Auto & Reverse sweep facilities available. - Beyond a certain threshold balance in the operative account, amounts in units of 10,000/- auto swept to form series of linked term deposits.
• Anywhere Banking, Internet banking, phone banking and mobile banking facility available.

• Only Individuals, singly or Joint, and HUF (Hindu Undivided Families) shall be eligible to open Smart Saver accounts linked with saving accounts.
•  Individuals, Sole Proprietorship, HUF, partnership firms, limited Companies & Trusts shall be allowed to open Smart Saver accounts linked with current accounts.

• The account can be opened with an initial (core) deposit of 25,000/- and above in multiples of 1,000

• Initial Core Deposits: 1 - 10 years.
• Term deposits created through sweep facility: 180 days.

• Quarterly on cumulative basis

• Allowed.(Conditions Apply)

• Not available on the core deposit.
• Allowed through reverse sweep on all the term deposits created via auto-sweep facility. No penalty shall be imposed on such withdrawals.

• Not allowed.

a). Individuals, HUF, Sole Proprietorships , Partnerships (other than Limited Liability Partnerships) & Trusts.

The minimum balance in current account beyond which auto-sweep facility will operate shall be 25, 000/-. However, the sweep shall be in units of 25, 000/-

 b). Limited Companies & Limited Liability partnerships:

 The minimum balance in current account beyond which auto-sweep facility will operate shall be 1.00 lac. Auto sweep in these cases shall be in units of 0.50 lac

• If a Cheque is drawn on the linked SB/CD account and the funds in these accounts are insufficient to clear a Cheque, linked SS term deposits (other than the core deposit) will automatically release the required amount (to the nearest rupee) to SB/CD accounts for clearing the Cheque. The reverse-sweep facility will apply to withdrawals through ATM Card.

• Best suited for persons who do not enjoy pension benefits either from their present employers or their present business.
• A depositor can earn a regular income by way of pension every month and also a fund to fall back upon in case of urgent need.

• Any sum in multiples of 50/-

• 84, 105 or 111 months.

• From 86th, 107th and 113th month.