Our Products
Every product, plainly explained
Rates shown below are indicative and for illustration — final terms are confirmed in writing before you open any account.
Savings & Deposits
Savings Account
A flexible, everyday account for individuals and families. Deposit and withdraw anytime, with interest calculated on your daily balance.
- • Minimum balance: ₹500
- • Interest: up to 4.5% p.a.
- • Zero account-opening fee
Fixed Deposit (SFD)
Lock a lump sum for a fixed tenure and earn a guaranteed, higher rate of return.
- • Tenure: 6 months – 5 years
- • Interest: up to 7.5% p.a.
- • Premature withdrawal permitted with applicable charges
Recurring Deposit (SRD)
Build a savings habit with fixed monthly contributions and a predictable maturity payout.
- • Monthly instalment from ₹500
- • Interest: up to 7.0% p.a.
- • Tenure: 1 – 5 years
Weekly Deposit (SWD)
Small, weekly contributions designed for shopkeepers and daily-wage earners to save consistently.
- • Weekly instalment from ₹100
- • Doorstep collection available
- • Flexible tenure options
Child Savings Plan (SCSS)
A dedicated plan to build a fund for a child's education or future needs, with bonus interest at maturity.
- • Opened in the child's name
- • Guardian-operated until maturity
- • Interest: up to 7.25% p.a.
Senior Citizen Bond (SSC)
Preferential interest slabs for members aged 60 and above, with optional monthly payout.
- • Additional 0.5% interest over standard FD
- • Monthly or maturity payout options
- • Priority in-branch service
Monthly Income Plan (SMI)
Convert a one-time deposit into a fixed monthly payout — ideal for supplementing household income.
- • Minimum deposit: ₹25,000
- • Payout credited monthly
- • Tenure: 3 – 7 years
Double & Triple Bond (SD2 / SD3)
Long-tenure compounding deposits designed to double or triple your principal over a fixed period.
- • Compounded quarterly
- • Fixed maturity multiplier
- • One-time lump sum deposit
Mahila Bachat Yojana (SMB)
A savings scheme designed for women, offering preferential rates and flexible deposit options.
- • Preferential interest slab
- • Flexible deposit frequency
- • Free financial literacy sessions
Loans
Personal Loan
Quick-turnaround loans for personal needs, with simple eligibility and clear EMI schedules.
- • Interest from 11.5% p.a.
- • Tenure up to 5 years
- • Minimal documentation
Small Business Loan
Working capital and growth financing for small businesses and shopkeepers.
- • Interest from 12.5% p.a.
- • Flexible collateral options
- • Dedicated relationship manager
Loan Against Deposit
Borrow against your existing FD/RD without breaking it, at a preferential rate.
- • Up to 90% of deposit value
- • Interest ~1–2% above deposit rate
- • Same-day disbursal
How it works
Choose a product
Pick the savings, deposit or loan product that fits your goal.
Talk to an advisor
We confirm eligibility, rates and terms in plain language.
Complete KYC & pay securely
Verify your identity and pay via UPI or other supported methods.
Track & manage
Get statements and support from your dedicated advisor.
Frequently asked questions
Not sure which product fits you?
Tell us your goal and we'll recommend the right savings, deposit or loan option — no obligation.