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उत्पाद विवरण
बैंक का नाम
Indian Bank
खाता नाम
IB – Sammaan
खाते का प्रकार
Savings
ब्याज दर
Up to Rs.10 lakh - 2.75%
More than Rs.10 lakh to less than Rs.200 Cr - 2.80%
Rs. 200 Cr and above - 2.90%
निःशुल्क डेबिट कार्ड
Senior Citizen Photo Debit card with year of birth.
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खाता खोलने का शुल्क
वार्षिक रखरखाव शुल्क
Minimum Account Balance
NIL
डेबिट कार्ड शुल्क
एनईएफटी शुल्क
SB customers are waived from charges of NEFT online transactions
आईएमपीएस शुल्क
फीस और शुल्क
IB – Sammaan
76
विशेष लक्षण
SMS alerts for submitting 15H at the quarter beginning and when a new Term Deposit is opened.
Preferential treatment at the bank (No Token System i.e. every alternate person would be Senior Citizen in all the SWO / Chief Cashier Counters)
Concession in interest rate on retail loans 0.50% on pension loans
0.05% in car loan
Preapproved personal loan and Home loan to pensioners *
पात्रता मापदंड
Resident Individuals aged over 60 years; Either singly or jointly; however, the first account holder must be a senior citizen
फ़ायदे
विशेषताएं, पात्रता और लाभ
पक्ष विपक्ष
पेशेवरों
Cash withdrawal at Non-home branchesEnhanced cash withdrawal facility without charges from non-home branches up to R75,000/- per day as against the present limit of R50,000/-
Excess debit charges60 transactions free per half year excluding online transactions as against the present limit of 50 per half year. Concession in locker rent10% on the rent of small lockers
दोष
Very low interest rate
IB – Sammaan
The account comes with low interest rate and offers average value add features.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
उत्पाद समीक्षा
खाता खोलने की प्रक्रिया और प्रक्रिया
How to open an Account?
आवेदन की प्रक्रिया
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