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उत्पाद विवरण
बैंक का नाम

Indian Overseas Bank

Eligibility

Individuals, Traders, Self - Employed Persons, Salaried Persons

ब्याज दर

5.75 to 7.30% per annum.

कार्यकाल

6 months to 120 months.

सावधि जमा प्रकार

Regular

Reinvestment Deposit

Reinvestment Deposit

कर लाभ

None

साख दर

CRISIL AA+/Stable

ब्याज भुगतान आवृत्ति

At maturity. 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 (Compounded Quarterly)

विशेषताएँ
  • You can avail loans of upto 90% on the principal amount and on the interest accrued.

  • You can close your deposit prematurely.

  • The minimum deposit requirement is Rs. 1,000.

न्यूनतम निवेश राशि

1,000

फीस और शुल्क
Pros
  • Additional concessions are available for senior and super senior citizens.

  • Quarterly compounding of interest.

दोष
  • Low interest rates.

पक्ष विपक्ष
खाता खोलने की प्रक्रिया और प्रक्रिया
कैसे खोलें?

1. Visit an IOB Branch:

Locate a nearby IOB branch and visit during their operating hours.

2. Gather Required Documents:

Identity Proof: Aadhaar card, PAN card, passport, driving license, voter ID card.   

Address Proof: Aadhaar card, passport, driving license, voter ID card, utility bill.   

Income Proof: (Optional) Salary slips, bank statements, income tax returns.

3. Submit Application Form:

Obtain a fixed deposit application form from the bank.

Fill in the required details accurately, including:

Your name, address, and contact information.

Deposit amount.

Maturity period.

Interest payout options (monthly, quarterly, half-yearly, or annually).

Nomination details (optional).

4. Make the Deposit:

Hand over the deposit amount in cash or by cheque to the bank representative.

5. Verify Documents:

The bank will verify the documents you've submitted.

6. Receive Acknowledgment:

You'll receive a deposit receipt or acknowledgment as proof of your fixed deposit.   

7. Interest Payout:

The interest earned on your fixed deposit will be paid out according to your chosen frequency.

Application Procedure

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