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Integrated features of the Savings Deposit and Fixed Deposit, namely liquidity with higher interest returns on surplus funds.
Eligibility
Individuals, Non-Government bodies/Organisations/Agencies who are eligible to open savings bank accounts.
Minimum balance in SB
Rs 50,000/-
Sweep Out amount
Minimum of Rs 10,000 and in multiples of Rs 10,000 Up to Rs 1 Crore per day.
Periodicity of Sweep out
Daily
Sweep in amount
Rs.5,000/ and in multiples of Rs 5,000/-
Period of Term Deposit
46 days to 1 year
Type of Debit card
Platinum card
Debit Card charge
Issue charge –Free Annual Maintenance charge –As per applicable charges.
Access to own Bank ATM
5 transactions (financial + non-financial) per month Free.
Access to other bank ATM
3 transactions (financial + non-financial) per month at Metro or 5 transactions(financial + non-financial) per month at other centres are Free
ATM Cash Withdrawal Limit
Rs 75,000/- Per day
ATM POS Limit
Rs 150,000/- Per Day
Free Personal Accident Insurance (Death) with debit card*
Rs 2 Lakhs (by bank), Rs 2 Lakhs (additional by NPCI for Rupay Platinum Card).
SMS banking charges
As per applicable charges
Personalized Cheque Leaves
60 leaves per year FREE.
DD
As per applicable charges.
RTGS, NEFT
Unlimited FREE
IMPS
Penalty for non-maintenance of min balance
NIL
Account closure -within 14 days or after 12 months
Nil
Account closure -Between 15 days to 12 months
*Personal Accident insurance with debit card is subject to terms and conditions of debit card policy/usage and policy of NPCI which may change from time to time.