Rate at Quick Glance
DEPOSIT ACCOUNTS
| RATE OF INTEREST ( w.e.f. 25.06.2025) | MINIMUM BALANCE | ||||||||
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| Day End Balance | Below Rs.10 lakh | Rs.10 lakh & Above and Below Rs.1 Crore | Rs.1 Crore & Above and Below Rs.10 Crore | Rs.10 Crore & Above and Below Rs.50 Crore | Rs.50 crore and above | मेट्रो | शहरी | सेमी अर्बन | ग्रामीण |
| अकाउंट | |||||||||
| 1 Savings Bank A/c | |||||||||
| A. Domestic | |||||||||
| a. With cheque book facility | 2.75% | 3.00% | 3.50% | 4.00% | 4.50% | 3000.00 | 2500.00 | 2000.00 | 1000.00 |
| b. Without cheque book facility | 2.75% | 3.00% | 3.50% | 4.00% | 4.50% | 1000.00 | 750.00 | 500.00 | 100.00 |
| c. Basic Savings Bank Deposit Account | 2.75% | 3.00% | 3.50% | 4.00% | 4.50% | 0.00 | 0.00 | 0.00 | 0.00 |
| 2 Term Deposits | |||||||||||
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| A. Domestic | Rate of Interest % p.a ( w.e.f. 21.10.2026) | ||||||||||
| अवधि |
सामान्य | वरिष्ठ नागरिक | Super Senior Citizen | ||||||||
| 7 दिन से 14 दिन | 4.00% | 4.00% | 4.00% | ||||||||
| 15 दिन से 45 दिन | 4.25% | 4.25% | 4.25% | ||||||||
| 46 दिन से 90 दिन | 4.75% | 4.75% | 4.75% | ||||||||
| 91 दिन से 180 दिन | 5.75% | 5.75% | 5.75% | ||||||||
| 181 दिन से 270 दिन | 6.00% | 6.25% | 6.25% | ||||||||
| 271 दिन से 364 दिन | 6.25% | 6.45% | 6.50% | ||||||||
| 365 दिन से 443 दिन | 6.65% | 6.85% | 6.90% | ||||||||
| 444 दिन | 6.85% | 7.05% | 7.10% | ||||||||
| 445 दिन से 554 दिन |
7.05% | 7.25% | 7.30% | ||||||||
| 556 दिन से 3 वर्ष | 7.30% | 7.50% | 7.75% | ||||||||
| 555 दिन | 7.15% | 7.35% | 7.40% | ||||||||
| Over 3 Years upto 5 Years | 6.55% | 6.75% | 6.80% | ||||||||
| Over 5 Years upto 10 Years | 6.25% | 6.50% | 6.60% | ||||||||
| टैक्स सेवर | 6.75% | ||||||||||
For *NRO deposits, the above rates under General category will alone be applicable i.e., senior citizen rate & super senior citizen rate is not applicable.
| b. NRE | |||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| NRE TERM DEPOSITS (Senior Citizen rate & Super Senior Citizen rate not applicable) w.e.f. 21.10.2026 | |||||||||||
| अवधि | ROI (%) | ||||||||||
| 365 दिन से 443 दिन | 6.65% | ||||||||||
| 444 दिन | 6.85% | ||||||||||
| 445 दिन से 554 दिन |
7.05% | ||||||||||
| 555 दिन | 7.15% | ||||||||||
| 556 दिन से 3 वर्ष | 7.30% | ||||||||||
| Over 3 Years up to 5 Years |
6.55% | ||||||||||
| Over 5 Years up to 10 Years |
6.25% | ||||||||||
| Non-Callable deposit above 1 Cr and below 3 Cr |
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| 21-10-2026 से लागू |
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| अवधि | ब्याज दर % प्रति वर्ष | ||||
| सामान्य | वरिष्ठ नागरिक | Super Senior Citizen | |||
| 7 दिन से 14 दिन | 4.00% | 4.00% | 4.00% | ||
| 15 दिन से 45 दिन | 4.25% | 4.25% | 4.25% | ||
| 46 दिन से 90 दिन | 4.75% | 4.75% | 4.75% | ||
| 91 दिन से 180 दिन | 5.80% | 5.80% | 5.80% | ||
| 181 दिन से 270 दिन | 6.10% | 6.30% | 6.35% | ||
| 271 दिन से 364 दिन | 6.30% | 6.50% | 6.55% | ||
| 365 दिन से 443 दिन | 6.70% | 6.90% | 6.95% | ||
| 444 दिन | 6.90% | 7.10% | 7.15% | ||
| 445 दिन से 554 दिन |
7.10% | 7.30% | 7.35% | ||
| 556 दिन से 3 वर्ष | 7.35% | 7.55% | 7.85% | ||
| 555 दिन | 7.20% | 7.40% | 7.45% | ||
| Over 3 Years upto 5 Years | 6.55% | 6.75% | 6.85% | ||
| Over 5 Years upto 10 Years | 6.25% | 6.50% | 6.65% | ||
For *NRO deposits, the above rates under General category will alone be applicable i.e., senior citizen rate & super senior citizen rate is not applicable.
| NRE Non-Callable Term Deposits(Only General Category) | |
|---|---|
| 21-10-2026 से लागू | |
| अवधि | ROI(%) |
| 365 दिन से 443 दिन | 6.70% |
| 444 दिन | 6.90% |
| 445 दिन से 554 दिन |
7.10% |
| 555 दिन | 7.20% |
| 556 दिन से 3 वर्ष | 7.35% |
| Over 3 Years up to 5 Years |
6.55% |
| Over 5 Years up to 10 Years |
6.25% |
| A.Interest rates for FCNR (B) Deposits with effect from 27-10-2026 | |||||||
|---|---|---|---|---|---|---|---|
| अवधि | अमेरिकी डॉलर | GBP | EUR | येन | CAD | AUD | SGD |
| 1 वर्ष या उससे अधिक लेकिन 2 वर्ष से कम | 4.60% | 4.00% | 2.00% | 0.20% | 2.00% | 4.00% | 0.80% |
| 2 वर्ष या उससे अधिक लेकिन 3 वर्ष से कम | 4.00% | 4.00% | 2.00% | 0.20% | 1.80% | 3.90% | 0.70% |
| 3 वर्ष या उससे अधिक लेकिन 4 वर्ष से कम | 3.20% | 3.10% | 1.30% | 0.20% | 1.80% | 3.50% | 0.70% |
| 4 वर्ष या उससे अधिक लेकिन 5 वर्ष से कम | 3.20% | 3.10% | 1.20% | 0.20% | 1.70% | 3.40% | 0.70% |
| केवल 5 वर्ष | 2.90% | 3.10% | 1.00% | 0.20% | 1.60% | 3.30% | 0.60% |
| Differential Interest rates on FCNR [B] Deposits beyond a threshold with effect from 27-10-2026 | ||||
|---|---|---|---|---|
| अवधि | Threshold | ब्याज | ||
| 1 वर्ष या उससे अधिक लेकिन 2 वर्ष से कम | USD 0.250 Million and Above | 5.25@ | ||
| B. Interest rates on RFC Deposits with effect from 01-09-2026 | ||||
|---|---|---|---|---|
| अवधि | अमेरिकी डॉलर | GBP | EUR | SGD |
| 1 वर्ष या उससे अधिक लेकिन 2 वर्ष से कम | 4.60% | 4.00% | 2.00% | 0.80% |
| 2 वर्ष या उससे अधिक लेकिन 3 वर्ष से कम | 4.00% | 3.80% | 2.00% | 0.70% |
| 3 वर्ष | 3.20% | 3.10% | 1.30% | 0.70% |
Premature Closure of Deposit will attract penalty as stated below:
1% penalty will be charged on the applicable rate of Interest for the period from the date of deposit till the date of pre-closure (Or) 1% penalty will be charged on the original contracted rate.
Lower ROI after penalty stated above will be paid.
We offer 0.50% p.a. on USD RFC savings account & 0% p.a. on EUR, SGD & GBP RFC savings account.
For Bulk Deposit Interest Rates, please view more
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LOANS - Present EBLR -9.70% |
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लोन |
ब्याज दर |
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प्रक्रिया शुल्क |
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1.HOUSING LOAN |
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ROI – Floating rates : |
Affordable Home loan |
Prime Home loan |
Premium Home loan |
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Bureau Score^^ |
₹ 30.00 लाख तक |
>Rs.30.00 lakh – Rs.75.00 lakh |
>Rs.75.00 lakh –Rs. 7.50 Cr |
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न्यूनतम |
अधिकतम |
न्यूनतम |
अधिकतम |
न्यूनतम |
अधिकतम |
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800 से अधिक |
8.25% |
8.50% |
8.50% |
9.00% |
8.75% |
9.50% |
Affordable Home loan 0.35%+ GST |
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Above 700 to 800 |
8.50% |
9.00% |
8.75% |
9.50% |
9.00% |
10.00% |
Prime Home loan 0.25%+ GST |
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Above 100 to 200 |
9.00% |
9.50% |
9.25% |
10.00% |
9.50% |
10.50% |
Premium Home loan 0.20%+ GST |
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^^ Borrower+ Co borrower+ Co-applicant (if income considered for loan eligibility) |
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Fixed Home loan rates: |
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Fixed rate loans: (Repayment period above 36 months) |
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ROI – Fixed rates : |
Affordable Home loan |
Prime Home loan |
Premium Home loan |
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Bureau Score^ |
₹ 30.00 लाख तक |
>Rs.30.00 lakh – Rs.75.00 lakh |
>Rs.75.00 lakh –Rs. 7.50 Cr |
Affordable Home loan 0.35%+ GST |
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Prime Home loan 0.25%+ GST |
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800 से अधिक |
8.35% |
8.85% |
9.35% |
Prime Home loan 0.25%+ GST |
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Above 700 to 800 |
8.85% |
9.35% |
9.85% |
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Above 100 to 200 |
9.35% |
9.85% |
10.35% |
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2 Personal Loan |
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1.25% Minimum Rs. 750 |
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a) Consumer Durable Loan |
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Below 3 years |
EBLR +4.75 |
14.45 |
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Above 3 years |
EBLR +5.25 |
14.95 |
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Personal Loan |
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Loan against Property |
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Bureau Score^^ |
^^ Borrower+ Co borrower+ Co-applicant (if income considered for |
Loan upto 1.00 Crore - 0.35 % |
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loan eligibility). |
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800 से अधिक |
11.00% |
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Loan above 1.00 Crore - 0.25 % |
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Above 700 to 800 |
11.75% |
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Above 100 to 200 |
12.00% |
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100 to 200 |
New to Bureau/ Customers who do not have 2 years tradelines |
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3 Vehicle Loan |
1.25% |
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a. Two Wheeler |
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Minimum Rs. 750 |
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Below 3 years |
EBLR +4.75 |
14.45 |
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Above 3 years |
EBLR +5.25 |
14.85 |
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b. Three / Four Wheeler Loans |
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Below 3 years |
EBLR + 4.75 |
14.45 |
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3 वर्ष से अधिक और 4 वर्ष तक |
EBLR + 5.00 |
14.7 |
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4 वर्ष से अधिक और 5 वर्ष तक |
EBLR + 5.25 |
14.95 |
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4 Educational |
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Meritorius/ Management |
EBLR + 6.65 |
Max - 16.35 |
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Studies in India – Maximum upto Rs. 10 lakh -Processing Charges - As per IBD norms |
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Studies Abroad – Maximum upto Rs. 20 lakh Processing Charges - 0.20% |
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न्यूनतम ₹3000 |
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शुल्क
Fee Based Services
1 Locker
| कैटेगरी | Rent per annum (in Rs) | |||
|---|---|---|---|---|
| छोटा | मीडियम | large | Extra large | |
| मेट्रो | 2150 | 4750 | 7500 | 11000 |
| शहरी | 1600 | 4500 | 6000 | 8000 |
| सेमी अर्बन | 1500 | 3500 | 5000 | 6000 |
| ग्रामीण | 1400 | 3000 | 4000 | 5000 |
2 Credit Cards
| Credit Cards | |||||||
|---|---|---|---|---|---|---|---|
| Entrance Fees | शून्य | ||||||
| Annual Fees | शून्य | ||||||
| Add on Card | शून्य | ||||||
| Service charges on outstanding balance | शून्य | ||||||
| Cash withdrawal fees | INR 500 | ||||||
| Hot listing charges | Not less than 20 days from statement date. | ||||||
| Other Charges | |||||||
| Late fee | INR 500 | ||||||
| Interest | 2.95% P.M | ||||||
| Card replacement fee | INR 500 | ||||||
| CGST | 9% | ||||||
| SGST | 9% | ||||||
3 Debit card charges
| Debit card charges quarter where average balance maintained less than Rs. 15000 | Rs. 100/- per quarter |
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4 DD issue(for account holders)
| ₹.500.00 तक | ₹50.00 |
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| ₹500.00 से 1000.00 तक | ₹50.00 |
| ₹1000.00 से 5000.00 तक | ₹50.00 |
| ₹5000.00 से 10000.00 तक | ₹50.00 |
| ₹10000.00 से 1.00 लाख | ₹ 3 प्रति ₹ 1000 Min ₹ 100 |
| ₹1.00 लाख से 10.00 लाख तक | रु 3 प्रति रु 1000 |
| ₹10.00 लाख व अधिक | रु 3 प्रति रु 1000 |
| DD कैंसलेशन | ₹50.00 |
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5 Collection of Outstation cheques
| SB अकाउंट होल्डर सामान्य श्रेणी | ग्रामीण क्षेत्रों में वरिष्ठ नागरिक और व्यक्ति | CA, CCOD जैसे अन्य कस्टमर के लिए सर्विस शुल्क | |
|---|---|---|---|
| Upto & incl. Rs.5000/- | रु.25 प्रति इंस्ट्रुमेंट | रु.25 प्रति इंस्ट्रुमेंट | रु.50 प्रति इंस्ट्रुमेंट |
| Above Rs.5000 & upto & incl. Rs.10000 | रु.50 प्रति इंस्ट्रुमेंट | रु.25 प्रति इंस्ट्रुमेंट | रु.100 प्रति इंस्ट्रुमेंट |
| Above Rs.10000 and upto & incl. 100,000 | रु.100 प्रति इंस्ट्रुमेंट | रु.50 प्रति इंस्ट्रुमेंट | रु.150 प्रति इंस्ट्रुमेंट |
| Above Rs.100,000 & upto Rs 2 lacs | रु.150 प्रति इंस्ट्रुमेंट | रु.75 प्रति इंस्ट्रुमेंट | रु.150 प्रति इंस्ट्रुमेंट |
| Above Rs.2 lacs & upto Rs 5 lacs | रु.250 प्रति इंस्ट्रुमेंट | रु.125 प्रति इंस्ट्रुमेंट | रु.250 प्रति इंस्ट्रुमेंट |
| रु. 5 लाख से अधिक | रु.300 प्रति इंस्ट्रुमेंट | रु.150 प्रति इंस्ट्रुमेंट | रु.300 प्रति इंस्ट्रुमेंट |
6 NEFT Money Transfer
| विवरण |
एनईएफटी (NEFT) | एनईएफटी (NEFT) |
|---|---|---|
| ऑनलाइन | थ्रो ब्रांच | |
| ₹10000 तक | शून्य | ₹1.50 |
| ₹10001 से ₹1 लाख तक | शून्य | ₹4.00 |
| ₹1 लाख से ₹5 लाख तक | शून्य | ₹14.00 |
| ₹5 लाख से अधिक | शून्य | ₹24.00 |
7 RTGS Money Transfer
| विवरण |
आरटीजीएस | आरटीजीएस |
|---|---|---|
| ऑनलाइन | थ्रो ब्रांच | |
| ₹10000 तक | ||
| ₹10001 से ₹1 लाख तक | ||
| ₹1 लाख से ₹5 लाख तक | ||
| ₹2 लाख से ₹5 लाख तक | शून्य | ₹24.00 |
| ₹5 लाख से अधिक | शून्य | ₹49.00 |
8 चेक रिटर्न शुल्क
| Outward clearing | |
|---|---|
| For instruments < Rs 10 lakh | Rs.300/instrument |
| For instruments = or > Rs 10 lakh | Rs.400/instrument |
| Inward clearing | |
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| For instruments < Rs 10 lakh | Rs.400/instrument |
| For instruments = or > Rs 10 lakh | Rs.500/instrument |
9 Cheque Book Issue
a. Savings Bank account
| विवरण | शुल्क |
|---|---|
| नया खोला गया अकाउंट | All newly opened Savings accounts first cheque book (20 leaves) free of cost |
| Senior Citizen Account | प्रति वर्ष एक चेक बुक (20 लीव) मुफ्त |
| अतिरिक्त चेक बुक |
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| छूट |
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| कूरियर शुल्क रिकवरी | सभी पर चेक बुक जारी करने के लिए ₹ 40 का कूरियर शुल्क लगाया जाएगा. |
b. Current accounts
| Start-Up | REGULAR | SILVER | General CA & Gold CA | Classic Plus CA & Platinum CA |
|---|---|---|---|---|
| All newly opened Current accounts first cheque book (25 leaves) free of cost Second Cheque book onwards: Rs.6 per Leaf |
All newly opened Current accounts first cheque book (25 leaves) free of cost Second Cheque book onwards: Rs.6 per Leaf |
All newly opened Current accounts first cheque book (25 leaves) free of cost Second Cheque book onwards: Rs.6 per Leaf |
All newly opened Current accounts first cheque book (25 leaves) free of cost Second Cheque book onwards: Rs.6 per Leaf |
फ्री |
Courier charges: Rs.40 applicable to all current account
