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1. ELIGIBILITY:

Saving Account can be opened by Individuals (either singly or jointly), Associations, Trusts, Hindu Undivided Families (HUFs), Clubs, Societies etc. subject to fulfilling eligibility criteria (domestic depositors) of Reserve Bank of India, on compliance of "Know Your Customer(KYC) Guidelines", execution of Account Opening Form and completion of requisite formalities, viz., photographs, identity and address proof, etc.

2. BRIEF OF THE PRODUCT:

Sl.no. Particulars With QAB of Rs.50,000/- & above
1. Minimum Quarterly Average Balance (QAB) Rs.50000 & above
2. Initial Deposit(R/SU/U & M) (subject to changes for General SF A/c from time to time)
AREA INITIAL DEPOSIT
Rural Rs. 500/-
Semi Urban Rs. 1000/-
Urban Rs. 2000/
Metro Rs. 2000/
3. Non Maintenance of QAB Charges (per quarter) No charges for non maintenance of QAB of Rs.50000/-
4. Inter-sol transfer/ Clearing Charges
i) Local (Same ClearingCentre/City)
ii) ISO Charges on transfer of funds to accounts at outstation branches
Free
5. Cash withdrawal Charges at all branches Free
6. Instant credit of outstation cheques P.Q.(After ensuring satisfactory operation & maintaining of QAB for 2 qtr in the account). Rs.25000/-
7. Cash Deposit Charges at Base Branch Free
Cash Deposit Charges at non base Branch (Local/outstation) 50% discount on applicable charges.
8. Concession in respect of upfront fee/
processing Fee for availment of Loan
(Housing Loan upto Rs.50 lac & Car Loan
upto Rs.6 lac)- concession will be available after
maintaining QAB for 2 quarter
50%
9. RTGS/NEFT charges
(Routed through account)
Free
10. Free Collection of outstation Cheque per quarter (Maximum) (Issued in favour of customer) Rs.1.00 lac
per quarter
11. Issue of Demand Drafts per quarter 50% discount on issue of draft upto
Rs.1.50 lac per quarter.
12. Stop Payment instruction charges Free
13. Account Statements charges (in
addition to passbook per month)
Free
14. Issue of Free Debit Card Platinum Debit Card with 2 add on cards (Accidental Insurance cover maximum Rs.2lac)
15. A rebate/ discount in locker rent 50% concession in locker rent
for first year only
(Small locker)
16. Free Cheque leaves 50 cheque leaves are already free p.a to all Saving Fund Customers.
20 additional cheque leaves will be given free of cost in a year (i.e. 5 additional cheque leaves free in the quarter for maintaining QAB of Rs.50000/- & above in the previous quarter).
  • System will automatically provide concession/freebies to existing customers who maintained QAB of Rs.50000/- & above in previous quarter.

PLEASE CONTACT ANY OF OUR NEAREST BRANCHES FOR COMPLETE DETAILS AND OPENING OF ACCOUNT.

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