All Deposits Interest Rates

ATTRACTIVE DEPOSIT RATES IN CURRENT BUSINESS SCENARIO W.E.F. 15-Dec-2025

Terms & Conditions subject to & as per the Bank’s IRD Policy in line with RBI Master Directions amended from time to time

• Single Bulk TD >= Rs. 15 Lakhs (only for Individuals) will get Additional interest of 0.50% p.a. on TD (except in Double Deposits Scheme). Staff / Senior Citizen (60+ Years) will earn additional interest provided that his / her name must be First Name or as Natural Guardian of Minor. Notwithstanding anything, Bank can pay a Maximum of 09.00% p.a. in TD inclusive of all. Term loan / Over-Draft for General Public against Bank’s own TDs shall be @ +1.00% ROI for General Public, @ 0.50% ROI for Employees, or single/Family TDs totaling Rs. 50 Lakhs and above, or other Bank’s sanction produced by borrower. Interest will be charged as per Weighted Average method for multiple deposits receipts. In case of TD Auto-Renewal instruction, the respective TD will be Auto-Renewed on Maturity for the original tenure @ interest rate prevailing on maturity date. In any other case, if a TD matures and proceeds are unpaid, the amount left unclaimed with the Bank shall attract ROI of Savings A/c or the contracted ROI on the matured TD, whichever is lower. Bank can charge 1.00% Penal Interest in case of Pre-maturity of TD/RD on Rate of Interest applicable to the amount and respective period for which the deposit remained with the bank and not the contracted rate. No interest shall be paid on TD before completion of the minimum period of 7 Days except in SDs / Savings (Unicorn) Deposits / Matured / Overdue Deposits). The Penal Interest on pre-matured TD can be reversed thereof if principal amount is re-invested for higher rate for higher period in prevalent Deposit Rates. Monthly and Quarterly Interest will be allowed on Deposits with Minimum 365 Days maturity. In cumulative interest deposits schemes, interest will be paid @ Quarterly rest. DICGC Insurance Cover for Deposits is Rs. 5,00,000/-. TDS rules and 15G/15H as per prevailing Income Tax Act 1961.

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