Savings-Others

Overview

Lakshmi Saving Others offers complete banking service. RuPay Classic Debit Card available with exclusive domestic merchant offers (POS and Ecom) round the years and keeps yourself and your family safe with Personal Accident and Permanent Total Disability Insurance cover upto Rs.1 Lakh

Salient Features

  • "Rupay Classic international debit card with free first year membership
  • Comprehensive Accidental Insurance Cover up to Rs.1 Lakh
  • Exclusive Merchant Offers
  • Free E-Mail statement
  • Faster transfer of funds

Eligibility

  • Individuals in their own names
    • Two or more persons, payable to any of them/survivor/survivors
    • Two or more persons, payable to all of them jointly
    • A guardian on behalf of a minor.
  • A minor himself/herself if he/she has attained the age of 12 years

Note:In case of joint account, the primary/first account holder must be a farmer/agriculturist/ involved in Agri allied activities as mentioned above.

Documentation

  • KYC Documentation as per bank and regulatory guidelines

Interest Rates & Charges

Sr.No Features SB others (PC:301)
1

ELIGIBILITY

Individuals

2

AQB

Metro : 1000/-,Urban : 1000/- Semi Urban : 500/- Rural : 500/-

3

Cash Deposit

 

At Base Branch

Free up to Rs. 3, 00,000/- per month thereafter RS. 1 per Rs.1,000/-

 

At Non Base Branch

Free up to Rs.5000/- per day, Rs.1/1000 after free limit

4

Cash Withdrawal

 

At Base Branch

Unlimited

 

At Non Base Branch

50000/-

5

Clearing Cheque Returns

 

Inward Clearing cheques

Rs.150/- per instrument

 

Outward Clearing Cheques

Rs.50/- per instrument

6

Return of Outstation Cheques

 

An Base/ Non-Base Branch

Rs 50 /-

7

Charges for non maintanance of minimum Balance

Category Required AQB Shortfall slab % of the shortfall
Rural Rs 500.00

Up to Rs 250.00

Above Rs.250.00

10%;
15%
Semi Urban Rs 500.00

Upto Rs 250.00

Above Rs 250.00

10%
15%
Urban and
Metro
Rs 1,000.00

Upto Rs 500.00

Above Rs 500.00

10%
15%
8

RTGS/NEFT

Charges as per existing guidelines

9

Cheque Books

First cheque book of 25 leaves free thereafter Rs.2 per leaf

10

SMS Alert Charges

Available at cost

11

Pass Book

Duplicate passbook - Rs.75,Additional page -Rs.40/-

12

Closure of a/cs (for a/cs which are closed after 14 days and within 6 months from the date of opening)

Rural -100/- Non- Rural-150/-

13

Stop payment Instruction

Rs.50/- per cheque Rs.150/- series  of cheque

14

Standing Instruction

Charges for Standing Instructions within the bank free.
FOR OUTSIDE BANK
Deposit amount upto Rs.1 lac - Rs.50/-
Deposit amount above Rs.1 lac to Rs.10 lacs  - Rs.100/-
Deposit amount above Rs.10 lacs  -Rs.150/-

15

Remittance by Demand Draft/Pay Order

Up toRs.1000 Rs.15/-
Rs.1001-5000 Rs.20/-
Rs.5001-10000 Rs.25/-
Rs.10001 and above Rs.2.25/- per Rs.1000
16

LVB-ATM withdrawals

Unlimited

17

Non-LVB ATM withdrawals

5 transaction free/month thereafter Rs.18 per transaction

18

Debit Card – Rupay Classic

1st year free, second year onwards nominal  charges applicable

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