Académique Documents
Professionnel Documents
Culture Documents
Deposit Accounts
NATURE
RATE OF INTEREST
NORMAL
SENIOR
CITIZEN
1. Savings Bank A/C (w.e.f. 03.05.2011)
A. Domestic Account
a. With cheque
4.0%
4.0%
book facility
b. Without
4.0%
4.0%
cheque book
facility
c. No Frills
Account
4.0%
4.0%
With
cheque
4.0%
4.0%
book
facility
Without
cheque
book
facility
B. Non Resident Account
a. NRO
4.0%
4.0%
b. NRE
4.0%
4.0%
2. Term Deposits
A. Domestic
MINIMUM BALANCE
Semi Urban
Urban
Rural
`500/-
`500/-
`1000/-
`100/-
`100/-
` 500/-
`500/-
`500/-
`500/-
Nil
Nil
Nil
`500/`500/-
`1000/`1000/-
`500/`500/-
Tenors
23.09.2014
Less
than
` 1 cr
` 1 cr
to
less
than
`10 cr
*
7 to 14 days
7.10
15 to 30 days
`10 cr
to less
than
`25 cr
*
`25 cr to
less than
`50 cr
*
`50 cr
to less
than
`100 cr
*
7.10
7.00
7.00
7.00
7.00
7.10
7.10
7.25
7.25
7.25
7.25
31 to 45 days
7.10
7.10
7.25
7.25
7.25
7.25
46 to 60 days
7.75
7.80
7.80
7.80
7.80
7.80
61 to 90 days
8.10
8.25
8.25
8.25
8.25
8.25
91 to 120 days
7.55
8.25
8.90
8.90
8.90
8.90
8.50
8.50
8.50
8.50
8.50
8.50
8.60
8.80
8.75
9.05
8.50
8.75
8.75
9.05
8.50
8.75
8.90
9.00
8.50
8.75
8.90
9.00
8.50
8.75
8.90
9.00
8.50
8.75
8.90
9.00
`100
cr &
above
*
8.90
8.90
8.75
8.75
8.75
8.75
9.15@
9.15@
8.75
8.75
8.75
8.75
445 to 2 years
8.50
8.50
8.75
8.75
8.75
8.75
8.75
8.40
8.50
8.50
8.50
8.50
Exact 5 yrs
8.75
8.25
8.25
8.25
8.25
8.25
Above 5 to 10 yrs
8.25
8.00
8.00
8.00
8.00
8.00
444 days
Additional interest of 0.50% over the card rate is payable to Resident Indian
Senior Citizens on Domestic Term Deposits of less than ` 5 Crore and the
maturity tenor of one year and above only. (Not applicable to NRO deposits).
Eligible ex-employees, who are Senior Citizens and eligible for an additional
interest of 1% payable to employees / eligible ex-employees are also eligible
for an additional interest of 0.50% payable to Resident Indian Senior Citizens
on domestic term deposits of less than ` 5 Crore & maturity tenor of one year
and above only.
The revised rate of interest shall apply to fresh as well as renewals of existing
Domestic/NRO Deposits. w.e.f. 23.09.2014.
Kindly note that different slabs in respect of term deposits of ` 1 Crore and above have
been re-aligned/modified.
Premature withdrawal of Domestic/NRO Term deposits
B. NRO
C. NRE
Revised w.e.f. 23.09.2014
Tenor
1 year exact
Above 1 yr to 443 days
444 days
445 days to 2 years
Above 2 to less than 5 yrs
Exact 5 yrs
Above 5 to 10 yrs
` 1 cr
to less
than
`10 cr
*
`10 cr
to less
than
`25 cr
*
`25 cr
to less
than
`50 cr
*
9.05
9.05
9.00
9.00
9.00
9.00
8.90
9.15@
8.50
8.90
9.15@
8.50
8.75
8.75
8.75
8.75
8.75
8.75
8.75
8.75
8.75
8.75
8.75
8.75
8.75
8.75
8.25
8.40
8.25
8.00
8.50
8.25
8.00
8.50
8.25
8.00
8.50
8.25
8.00
8.50
8.25
8.00
Less
than
` 1 cr
`50 cr to
less than
`100 cr
*
`100
cr &
above
*
Rates quoted on daily basis over the above card rates on Domestic TDs will be
treated as DRI (Differential Rates of Interest) and such deposits will be DRI deposits.
The revised rate of interest shall apply to fresh as well as renewals of existing NRE Deposits
w.e.f. 23.09.2014.
Kindly note that different slabs in respect of term deposits of ` 1 Crore and above have
been re-aligned/modified.
Premature withdrawal of NRE Term deposits
D. FCNR (B)
FC
USD
GBP
EUR
CAD
AUD
Period
Interest rates
w.e.f 01.09.2014
(% p.a.)
2.34
2 yearsbut
& above
but 2
less
than 3 yrs
less than
years
2.71
4.14
4.50
5 years only
1 year & above
4.77
2 yearsbut
& above
but 2
less
than 3 yrs
less than
years
3.24
4.54
4.76
5 years only
4.92
2.27
2 yearsbut
& above
but 2
less
than 3 yrs
less than
years
2.29
3.34
3.40
5 years only
3.51
3.47
2 yearsbut
& above
but 2
less
than 3 yrs
less than
years
3.43
4.59
4.75
5 years only
4.89
4.65
2 yearsbut
& above
but 2
less
than 3 yrs
less than
years
4.72
5.86
2.80
6.08
5 years only
6.22
Compounding effect on interest can be given only if deposits are kept for
minimum period of one year and one day.
Above rates are applicable to RFC (TD) also. There is no change in the existing
rates for RFC (SB).
All other terms and conditions remain unchanged.
CHARGES *
Fee Based Services
1. Lockers
SAFE DEPOSIT LOCKER CHARGES (Plus Service Tax) - Revised w.e.f. 01.01.2014
Locker Charges
Category/ Type of Lockers
Small
Medium
Large
Very Large
Metro
` 2400
` 3600
` 5100
` 6000
Urban/Semi Urban
` 1200
` 2400
` 3600
` 5100
Rural
` 900
` 1800
` 2700
` 3600
2. Drafts/TT/MT
Issue
Particulars
Upto `500/Above `500/- upto `1000/Above `1000/- upto `10000/Above `10000/- upto `100000/-
Above `100000/-
Other than
Individuals
`20/`30/`40/`2.50 per 1000 or
part thereof
Min `40/(cash upto `50000/-)
No cash transaction
`2.00 per 1000 or
part thereof
Min. `250/- Max.
Rs12000/-
Individuals
Other than
Rural
Rural
`20/`15
`30/`15/`40/`30/`2.50 per 1000 `2.00 per
or part thereof 1000 or part
Min `40/- (cash thereof
upto `50000/-) Min `30/(cash upto
`50000/-)
No cash transaction
`2.00 per 1000 or part
thereof
Min. `200/- Max. Rs10000/-
Cancellatiion
- Other than Individuals
Individuals in other than Rural
places
Rural
Up to `10.00 lakh
`50/- per instrument
`50/- per instrument
Up to &
including
`5000/Above
`5000/and
up
to
&
including
`10000/Above
`10000/and
up
to
&
including
`1.00
lakh
Above
`1.00
lakh
Others
SB
Others
SB
Others
(Amount in `)
Revised charges*
Other
than Individuals
Individual
Other than in
Rural
in
Rural areas
areas
SB
Amount
of
collection
Existing Charges
Other
Individuals
than
Other in
Indivithan
Rural
dual
in
areas
Rural
areas
50
45
40
25
50
25
45
25
40
50
45
40
50
80
50
75
50
70
100
4.50
per
1000
Min.
100/-
100
4.50
per
1000
Min.
100/-
100
4.50
per
1000
Min.
100/-
100
95
90
150
145
140
*Excluding Service Tax but inclusive of postage and other out of pocket expenses.
Existing Charges*
Other
Individuals
than
Other
In
Indivithan in Rural
dual
Rural
areas
areas
Revised charges*
Other
than Individuals
Individual
Other than In Rural areas
in
Rural
areas
Nil
Nil
Nil
3.50 per
1000 or part
thereof
Min.400/1.75 per
1000 or part
thereof
Min.200/-
SyndPlati
Free
Free
num CA
Multicity SB
Free
Free
For cheques of above `5.00 lakh
General/
150
150
CA/SB/ OD
Synd
CA
Silver
SyndPlatinum CA
Multicity SB
Free
Free
Free
Free
Free
Free
Free
Free
150
3.00 per
1000 or part
thereof
Min.2000/Max.8000/1.50 per
1000 or part
thereof
Min.1000
Max.4000/Free
Free
Free
75
75
75
Free
Free
Free
3.00 per
1000 or part
thereof
Min.2000/Max.8000/1.50 per
1000 or part
thereof
Min.1000
Max.4000/Free
Free
Free
Free
Free
4. NEFT Money
Transfer
5. RTGS Money
Transfer
Outward Returns
Outward
Up to `1.00 lakh `5/- per transaction
Above `1.00 lakh to `2 lakh - `15/- per
transaction
Above `2 lakh - `25/- per transaction
Outward
`2 lakh to `5.00 lakh `25/- per
transaction
Above `5.00 lakhs `50/- per
transaction
Inward Returns
`50/`100/-
`50/`100/-
Inward - Nil
Inward - Nil
6. Cheque return
charges
For Savings Accounts
For Current,
Overdraft
Cash Credit Accounts
Dishonour of
outstation
/ local bills &
cheques
Other than
Individuals
Individual
Other
than
Rural
`3/`2/-.
`3/-
Rural
Classic Card
Primary
Add On
Primary
Gold Card
Add On
Entrance Fee
NIL
NIL
NIL
NIL
Renewal Fee
300
150
500
250
The Renewal Fee shall be levied in advance to the Credit Cardholders account in the
anniversary month of issue of the card, if the card becomes irregular/ overdue due to nonpayment. No separate notices are issued in this regard.
mentioned above. The rate of Service Tax is subject to change by the Government of India.
3. Debit Cards
International Debit Card. - Free for Duplicate card `114/for duplicate PIN `57/LOANS LINKED TO BPLR w.e.f. 13.02.2013 (PLR 14.50%)
RATE OF INTEREST
Processing fees
Loans
1.Housing loan
Upto `20
lacs
Above `30
lacs
PLR-3.25
PLR-2.75
PLR-2.75
PLR-2.25
PLR-2.50
PLR-2.00
PLR-2.25
PLR-1.75
12.00
12.00
12.00
13.00
13.00
13.00
Floating Category
Upto 5 years
More than 5 years
and upto 10 years
More than 10 years
upto 20 years
More than 20 years
to 25 years
Fixed Category
Upto 5 years
More than 5 years
and upto 10 years
More than 10 years
PLR4.00
PLR3.50
PLR3.25
PLR3.00
NIL
2 . Personal loan
a) Senior Citizen
Loan Scheme
b) Personal loan
Scheme
PLR
PLR+0.25(if salary is credited at Branch) and
PLR+1.25 (for other salaried class).
For Non-Salaried Class - PLR+1.25
3. Vehicle loan
a. Two wheeler loan PLR
b. Four wheeler loan PLR
Above `4.00
lacs
PLR-1.00
Upto `50000-NIL
> 50000-Flat `200
per loan
0.50% of loan
amount with a
minimum of `500/Upto `2.00 lakhs
`2.50 per thousand
or part thereof with
a minimum of
`250/-Above `2.00
lakhs- `400 per
lakh or part thereof
with a maximum of
`15.00 lakhs
NIL
Rate of interest
The revised rates of interest shall be applicable from 09.10.2013 for all existing and
fresh housing loans sanctioned.
`10000(Flat)
2. Personal loan
Senior Citizen Loan
Scheme
BR + 3.75%
Upto `50000-NIL
> 50000-Flat `200 per loan
Personal loan
Scheme
BR + 4.75%
3. Vehicle Loan
Processing Charges
Upto `25000
Two-Wheeler
`100
Documentation Charges
Upto `2.00 lakhs
Vehicle Loan
4. Educational
loans
NIL
`200 per lakh - Max `2500/-
Upto `4.00lacs
BR + 2.25%
BR + 2.75%
Charges - NIL
Note: Existing borrowers whose loans are linked to BPLR are given an option to switch
over to Base Rate, w.e.f. 01.07.2010 and no charges will be levied for such switchover.