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उत्पाद विवरण
बैंक का नाम

Indian Overseas Bank

Eligibility

Individuals

ब्याज दर

4 to 4.75% per annum.

कार्यकाल

7 days to 179 days.

सावधि जमा प्रकार

Regular

Unfixed Deposit

Unfixed Deposit

कर लाभ

None

साख दर

CRISIL AA+/Stable

ब्याज भुगतान आवृत्ति

If closed before 7 days no interest is payable.
If closed after 7 days and before 15 days, normal interest.

संचयी/गैर-संचयी

Not specified by the bank.

विशेषताएँ
  • No prepayment penalty.

  • If closed before 7 days no interest is payable

  • If closed after 7 days and before 15 days, normal interest is paid

  • Additional interest of 0.75% for senior citizens and additional interest of 1.00% for super senior citizens.

न्यूनतम निवेश राशि

50,00,000

फीस और शुल्क
Pros
  • No prepayment penalty.

  • Short tenure of 7 days to 179 days.

  • Additional concession on interest rates for senior and super senior citizens.

दोष
  • High minimum deposit requirement.

  • Low-interest rate.

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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उत्पाद समीक्षा
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