Deposits
1
Savings Account
Savings Accounts earn interest up to 7% p.a. on balances while allowing unlimited withdrawals via Mobile banking and net banking. They suit individuals, salaried workers, and seniors with zero-balance variants, debit cards, and perks like loan discounts or insurance covers. Features include daily interest calculation, mobile apps for bill payments, and DICGC insurance up to ₹5 lakh.
2
Current Account
Current Accounts support high-volume transactions for businesses with no interest but overdraft facilities. Ideal for traders and firms, they offer trade finance, high transaction limits via RTGS/NEFT, and zero minimum balance in premium variants. Benefits include cash deposit limits up to ₹10 lakh daily and integration with POS systems.​
3
Fixed Deposit
Fixed Deposits offer lump-sum investments with guaranteed returns at competitive rates up to 7.75% p.a. for seniors. Ideal for risk-averse investors, they provide flexibility in tenures from 7 days to 10 years, auto-renewal options, and loan facilities against deposits.​
4
Recurring Deposite
Recurring Deposits build savings discipline with flexible monthly contributions, fixed rates higher than savings accounts, and tenures up to 10 years. Benefits include loans up to 90% of balance, low entry amounts, and senior citizen bonuses of 0.5%.​
5
Loans
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