| Interest Rates for the Deposits
|
Note: The interest rates given below
may fluctuate. Kindly coordinate with the bank for the same.
The interest rates are effective from 01/05/2007
- Regular Customers
| Type
of Deposit
|
Interest
Rate
|
| Current Deposit
|
----%
|
| Saving Deposit
|
3.50 %
|
| Fixed Deposit |
| >>
15 Days to 60 Days |
5.00 %
|
| >>
61 Days to 90 Days |
5.50%
|
| >>
91 Days to 180 Days |
6.00 %
|
| >>
181 Days to 1 year |
7.00 % |
| >>
1 Year 1 Day to 2 Years |
9.00 % |
| >>
2 Years 1 Day to 3 Years |
8.50%
|
| >>
3 Years 1 Day to 5 Years |
8.50%
|
| >>
5 Years and above |
8.25%
|
| Dam Didpat
(57 Months 26 days) |
8.50% |
| Dam Duppat
(98 Months 28 days) |
8.50% |
| Urban Tax
Savings Deposit Scheme |
9.00% |
| Kutumb Pramukh
Tax Saving depo. Scheme |
10.00% |
| Single deposit
(15 lacs to 50 lacs) |
Regular Rate + 1.00% Extra.
|
- For the Senior Citizens, means Indian Resident who
have completed 60 years, for them all the deposits 1 Year
and 1 day and above will be having 1.00% more Interest. And Interest
rates for Damdidpat and Damduppat as follows:
| Type
of Deposit
|
Duration |
Interest
Rates |
| Dam Didpat
|
51 Months 25 days |
9.50% |
| Dam Duppat |
88 Months 18 days
|
9.50% |
- Non Resident Indians (For NRE and NRO)
| Type
of Deposit
|
Interest
Rate
|
| Saving Deposit
|
3.50 %
|
| 1 Year to 2 Year
|
3.90 % |
| 2 Year and More
|
5.40 % |
New BHANDHAN THEV SCHEME effective from
01/08/2007 to 30.09.2007.
Duration
: 15 to 27 Months
Interest Rate : 10%
Note: The interest rates given below
may fluctuate. Kindly coordinate with the bank for the same.
The interest rates are effective from 01/07/2008
- Interest Rates On Loans
|
Loan Limit
|
Interest Rate
|
| All other loans Up
to 50 Lacs Above 50 Lacs |
14.50 % 14.00% |
*No Rebate
| Type of Loan |
Interest Rate |
| Gold Loan , N.S.C , L.I.C. Policy |
13.00 % |
| Personal Loans For (Home Repairing,Housing
Loan,Land & Building Purchasing,Vehical Loan(For
personal use)) |
13.00 % |
| Vehical Loan (Commertial) |
14.00% |
| Ware housing Loan |
13.00 % |
| Cheque Hundi Discounting |
16.00 % |
| Surety Loans for Business man/Service man Upto 2
Lacs |
14.00% |
SERVICE CHARGES :
|
|
|
| Savings
Bank A/C -No Frills A/C
|
Savings
Bank Account
|
| Minimum
Balance |
Rs.10/- |
| Charges for
non maintenance |
NIL |
|
| Sav.Bank A/c |
With Cheque Book |
Without Cheque Book |
| minimum
balance |
Rs.500/- |
Rs.200/- |
| Charges for
non maintenance |
Rs.5/- each time |
Rs.5/- each time |
|
| |
| Savings
Bank Account Charges |
Remittance
Facilities through our Bank
|
|
| Duplicate
Statment |
Rs.2/- per page |
| Duplicate
Passbook |
Rs.15/- |
| Mode of
calculation of minimum balance |
Day End Balance |
| Account
closer charges |
Within 1 year then Rs.15/- |
| Inoperative
account |
Rs.20/-Per Year |
| Incidental
Charges |
No entry in account for
consecutive six months then Rs.10/- |
|
| Pay Order(PO)
/Demand Draft(DD) issue |
minimum
Rs.5/-
10 Paise Per Rs.100/- or part thereof |
| PO/DD-Cancellation |
Nil |
| PO/DD-Duplicate |
Regular PO/DD Issue Commission |
| PO/DD-Revalidation |
Nil |
| TT-Issue |
Minimum
Rs.5/-
10 Paise Per Rs.100/- or Part Thereof
+
Telephone Charges Rs.25/- Per
TT |
| Collection
of Cheques through our bank |
1)UPTO
Rs.1000/-Rs.5/-
2)Rs.1001 to 5000/-
Rs.15/-
3)Rs.5001 to 10000/-
Rs.25/-
4)Above Rs.10000/-
Rs.2/-Per Thousand. PLUS Postage Actual. |
| Collection
of cheques through other bank |
As Above + other Bank Charges. |
|
| Services
through other banks. |
Bouncing
Of Cheque |
| DD-Issue on
Other Banks |
MSC Bank Mumbai 20 Paise per
Rs.100/- Minimum
Rs.5/-
ICICI/HDFC Bank 15 paise Per Rs.100/- Minimum
Rs.5/- |
| DD-Cancellation |
Rs.55/- |
| DD-Duplication |
Regular DD Issue Commission |
|
| Local |
Inward Clearing Rs.50/- Per Cheque
Outward Clearing Rs.25/- Per Cheque |
| ouncing
Of Cheques Outstation through our bank |
Upto Rs.1000/- Rs.5/- Rs.1001 to
5000/-
Rs.15/-
Rs.5001 to 10000/-
Rs.25/-
Above Rs.10000/- Rs.2/- Per Thousand Plus
Postage Actual. |
| Through
another Bank |
As Above PLUS Other Bank Charges. |
|
| Loan
Charges. |
Loan
Charges
|
| Processing
Charges |
Upto Rs.1Lac Rs
100/-
Above Rs.1Lac To 2 Lacs
Rs.200/-
Above Rs.2Lacs TO 3Lacs
Rs.300/-
Above 3Lacs To
4Lacs
Rs.400/-
Above 4Lacs to
5Lacs
Rs.500/-
Above Rs.5Lacs
0.50% No charges
for fixed deposit loans,gold loans,cash credit
renewal.
Enhanced CC-Charges only for enhanced amount. |
|
| Prepayment
Charges |
Nil |
| No due
Certificate |
Rs.10/- |
| Solvency
Certificate |
0.10% Minimum Rs.500/- |
| Charges for
late payment of EMI |
Rs.1per Day Per thousand |
|
|
