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Eligibility |
The Account is Available for Resident Individual (Sole or Joint Account), Customers Above Age of 60 Years |
Age |
Above Age of 60 Years |
Minimum Balance Requirement |
Zero |
Joint A/c Facility with Spouse |
Yes |
Doorstep Banking Facility to the Needy Customers with the Use of Business Correspondent / DDB Agent Appointed by Bank |
Yes |
Collection of TDS-Exemption Certificate (15 H) Through BC |
Yes |
Delivery of TDS Certificate Through BC/Email/WhatsApp/Courier as Desired by the Customers |
Yes |
Instant Credit of Outstation Cheques up to |
Rs. 20,000/- |
Free Medical Check-up During Health Camp Organised by Our Tie up Insurance Companies |
Yes |
Dedicated Senior Citizen Desk at Branches, There is No Need to Wait in a Queue |
Yes |
Free Value-Added Services Like SMS Alerts, Monthly E-mail Statements and Passbook Facility. |
Yes |
Internet & Mobile Banking Facility |
Free |
Type of ATM Card |
VISA Classic/Rupay Classic If the Customer Opts for the Cards with Higher Variant, The Same Shall be Provided Subject to Maintenance of Required Balance and Applicable Card Charges |
Debit Card Charges |
Issue Charge |
Free |
Annual Maintenance Charge |
50% Waiver |
ATM Cash Withdrawal Limit |
Rs. 30,000/- Per Day Higher Cash Limit Available with Higher Variant Card Subject to Subject to Maintenance of Required Balance and Applicable Card Charges |
POS Limit |
Rs. 75,000/- Per Day Higher POS Limit Available with Higher Variant Card Subject to Subject to Maintenance of Required Balance and Applicable Card Charges |
Ecom Limit |
Rs. 75,000/- Per Day Higher Ecom Limit Available with Higher Variant Card Subject to Subject to Maintenance of Required Balance and Applicable Card Charges |
Free ATM Card Access at Own ATM |
Unlimited |
Free ATM Card Access at Other ATM |
3 Transactions (Financial + Non-Financial) Per Month at Metro or 5 Transactions (Financial + Non-Financial) Per Month at Other Centres |
Lounge Access: |
Domestic Airport |
Available with Higher Variant Card Subject to Subject to Maintenance of RRequired Balance and Applicable Card Charges |
International Airport |
Free Personal Accident Insurance |
With Account |
Not Available |
With Debit Card |
Available with Higher Variant Card Subject to Subject to Maintenance of Required Balance and Applicable Card Charges |
Fund Transfer Through NEFT |
Through Online Free and 3 Per Month in Offline |
Fund Transfer Through RTGS |
Through Online Free and 3 Per Month in Offline |
Fund Transfer Through IMPS |
Free |
Credit Card Subject to Bureau Score, Income Norms and Other Eligibility Criteria |
Free Issuance |
Personalized Cheque Book |
25 Leaves Free Per Year |
Demand Drafts |
Waiver of Charges up to 3 Per Month to the Extent of Preceding Quarter Average Balance Available in the Account |
Locker Operations |
Unlimited Free |
Concession on Locker Rent |
10% Waiver |
Processing Fee for Eligible Retail Loan (Other than Home Loan) Schemes |
25% Concession |
Stop Payment Instruction Charges |
Free |
Standing Instructions |
Free |
Utility Bill Payment, Online Tax Payment |
Free |
SWEEP OUT FACILITY (Flexi Facility) |
Available, If the Balance Exceeding Rs. 50,000/- Will Swept Out and Kept in TD |
Core Deposit /Threshold Deposit |
Rs. 50,000/- |
Sweep Out Amount |
Rs. 5,000/- |
Sweep Out Periodicity (From SB to FD Account) |
Up to Rs. 179 days |