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उत्पाद विवरण
बैंक का नाम

Canara Bank

Eligibility

Individuals, who have completed the age of 60 years and above, in single or joint names.
In case of joint account, accounts can be opened jointly with other Senior Citizens or with other persons below the age of 60 years subject to the condition that the Senior Citizen is No.1 depositor.

ब्याज दर

Up to 7.75% per annum.

कार्यकाल

5 months to 12 months.

सावधि जमा प्रकार

Senior citizen

Ashraya Deposit Scheme

Ashraya Deposit Scheme

कर लाभ

None

साख दर

CRISIL A1+

ब्याज भुगतान आवृत्ति

Monthly/Quarterly/half yearly. Typically for fixed deposits having interest payment at maturity, compound interest is applicable and for fixed deposits having monthly interest payment, simple interest is applicable. Typically fixed deposits having a tenure of one year or less, simple interest is applicable. It is best to consult the bank officials before you book a fixed deposit

संचयी/गैर-संचयी

Cumulative

विशेषताएँ
  • This scheme is specially designed for senior citizens.

  • Minimum deposit amount of Rs.1000

  • There is no limit on the maximum deposit amount.

  • Deposits shall be eligible for a Demand Loan /overdraft facility of up to 90% of the deposit amount. 

न्यूनतम निवेश राशि

1000

फीस और शुल्क
Pros
  • Competitive interest rates.

  • No limit on the maximum deposit amount.

  • Flexible interest payout options.

दोष
  • No tax benefits.

 

पक्ष विपक्ष
खाता खोलने की प्रक्रिया और प्रक्रिया
कैसे खोलें?

1. Visit a Canara Bank branch: Locate a branch near you and visit during their operating hours.

2. Gather necessary documents: Prepare the following documents:

  • Identity proof (Aadhaar card, passport, driving license, etc.)

  • Address proof (Aadhaar card, passport, utility bill, etc.)

  • Income proof (if applicable, such as salary slips, Form 16)

  • Photographs

3. Submit the application form: Fill out the fixed deposit application form provided by the bank. You will need to provide details about the deposit amount, tenure, interest payout options, and nominee information.

4. Make the deposit: Deposit the required amount to open the FD. You can choose to pay in cash, by cheque, or through electronic transfer.

5. Receive the fixed deposit receipt: Once the deposit is made, you will receive a fixed deposit receipt (FDR) as proof of your investment.

Application Procedure

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