उत्पाद विवरण
बैंक का नाम
IDFC FIRST Bank
Eligibility
Senior citizens above 60 years of age.
ब्याज दर
3.50 to 8.25% per annum.
कार्यकाल
7 days to 10 years.
सावधि जमा प्रकार
Senior Citizens
Senior Citizens Fixed Deposits
कर लाभ
None
साख दर
CRISIL A1+
ब्याज भुगतान आवृत्ति
Monthly, Quarterly, Annually, 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
Both
विशेषताएँ
This scheme is specially designed for senior citizens.
Minimum deposit amount of Rs.10,000
Deposits shall be eligible for a Demand Loan /overdraft facility of up to 90% of the deposit amount.
There is no penalty for premature withdrawal.
न्यूनतम निवेश राशि
10,000
फीस और शुल्क
Pros
Competitive interest rates.
No penalty for premature withdrawal.
Flexible interest payout options.
दोष
No tax benefits.
High minimum deposit requirement.
पक्ष विपक्ष
खाता खोलने की प्रक्रिया और प्रक्रिया
कैसे खोलें?
Online:
Visit the IDFC First Bank website or download their mobile app.
Navigate to the "Deposits" section and select "Fixed Deposits."
Enter your desired amount, tenure, and interest payout option.
Provide your basic KYC details and verify with OTP.
Transfer funds to create the FD.
Offline:
Visit an IDFC First Bank branch near you.
Fill out the necessary forms and provide your KYC documents.
Submit the required amount to open the FD.
Application Procedure
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