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Documentation & Eligibility Guide

Your journey to prosperity begins with the right paperwork. Explore our comprehensive guide for opening accounts and availing banking facilities.

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Savings Account Requirements

Designed for individuals seeking safety and liquidity for personal wealth.

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Identity Proof (OVD)

Aadhaar Card, Voter ID, Passport, or Driving License.

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Address Proof

Utility Bills (max 2 months old), Property Tax receipt.

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Taxation & Photos

PAN Card (Mandatory) & 2 Recent Passport Photos.

Quick Eligibility

  • • Resident Individuals
  • • Minors (through Guardians)
  • • Hindu Undivided Families
  • • Minimum Balance: ₹5,000
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Current Account Requirements

Business Identity

GST Registration, Trade License, or Shops & Establishment Act Certificate.

Entity Proof

Partnership Deed, MOA/AOA, or Trust Deed as applicable for the business type.

Signatory KYC

KYC of all authorized signatories and directors as per RBI AML/CFT norms.

Products & Services Overview

  • 1. Account Types: Savings, Current, or Business accounts.
  • 2. Deposits: Schemes for Fixed Deposits (FD) and Recurring Deposits (RD).
  • 3. Loans Offered: Gold, Term, Home, Vehicle, Business, Ware House Receipt, Machinery, Clean loan, Nominal member, Household purchases, Personal loan.
  • 4. Required Documents: Check List provided per product for hassle-free processing.
  • 5. Terms & Conditions: Standard banking terms and conditions apply to all products.
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Fixed Deposit (FD) Rates

Tenure Interest Rate (%)
30 days to 90 days 5.00%
91 days to 180 days 5.50%
181 days to 12 months 6.00%
13 months and above 6.50%
Institutional Depositor (13 months+) 7.50%
Dam Duppat Deposit (DDD) 9 Years
Recurring Deposit 7%
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Cumulative & Recurring Deposits

RD Installment Rules

  • Minimum monthly installment: ₹500
  • Standing Instruction (SI) from Savings Account is mandatory
  • Late payment penalty: ₹1.50 per ₹100 per month

Minor Accounts & Maturity

  • Accounts for minors aged 10+ can be self-operated
  • Maturity proceeds credited only to linked Savings Account
  • Nomination facility is mandatory for all deposit accounts
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Yield & Interest Calculator

Plan your future wealth with precision. Use our interactive tool to calculate interest on your savings and term deposits.

Calculate Your Gains

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Loan Calculator

Plan your borrowing with our EMI calculator.

Reference Loan Rates

Use these rates to manually enter your interest percentage below.

Gold Loan: 10.50%
Term Loan: 14.00%
Vehicle Loan: 13.00%
Home Loan: 13.00%
CCHY: 15.00%
Warehouse Receipt: 12.00%
Machinery Loan: 15.00%
Clean Loan: 16.00%
Nominal Member: 16.00%
Household Purchases: 15.00%
Personal Loan: 15.00%

Calculate Your EMI

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Bank Charges

Loan Type Interest Rate (%)
Gold Loan 10.50%
Term Loan 14.00%
Vehicle Loan 13.00%
Home Loan 13.00%
CCHY 15.00%
Warehouse Receipt 12.00%
Machinery Loan 15.00%
Clean Loan 16.00%
Nominal Member 16.00%
Household Purchases 15.00%
Personal Loan 15.00%
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Current Interest Rates

Savings 3%
Fixed (13 Months) 7%
Inst. Depositor 7%

*Rates effective Sept 2016

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Need Assistance?

Our relationship managers are ready to guide you through the process of selecting the right account for your needs.