SAVING BANK DEPOSIT ACCOUNT– Account with easy liquidity

Withdrawal through withdrawal slips/cheques
Students can operate the A/c
Interest on daily basis
Interest Rate:

  1. With balances upto and inclusive of Rs. 10.00 lacs - @3.50%
  2. With balances above Rs 10.00 lacs- @ 4.00%
Fixed Deposit Scheme – Regular interest earning scheme
• Period of Deposit – 15 days to 120 months
• Minimum Deposit- Rs. 1000/-
Prathama Cash Certificate- A money multiplier

• Minimum amount of Deposit – Rs. 100/- and in multiples of Rs. 100/-
• Period of Deposit – 6 months to 120 months
• Interest compounded every quarter
Social Security Deposit – An ideal monthly/quarterly income plan
• Minimum Deposit – Rs. 1000/- and in multiples of Rs. 100/-
• Period – 1 year to 10 years in completed quarters
• Monthly interest at discounted value or interest accruing at the end of quarter will be paid
Prathama Sugam Deposit - A reinvestment plan with automatic overdraft
  • Term Deposit under reinvestment plan - compounded interest on quarterly basis.
  • Minimum amount Rs. 10000/- and in multiples of Rs. 1000/-
  • Period 1-10 years
  • Automatic overdraft limit up to 85% of deposit
  • Overdraft interest on drawn amount only
  • Free of cost cheque book facility
  • Nomination facility
Prathama Suvidha Deposit – Fixed Deposit with partial withdrawals
• Amount of Deposit – Rs.10000/- and above in multiples of Rs. 1000/-
• Period of Deposit – 15 days to 120 months
• Rate of Interest – As applicable to term deposits
• Interest – Simple interest at quarterly intervals
• Partial withdrawal –
a- Partial withdrawal in multiples of Rs. 100/- allowed
b- No restriction on frequency of withdrawals
c- No penalty to be charged in partial withdrawals.
Prathama Tax Saver Term Deposit

• Minimum amount of deposit Rs. 100 or in multiples subject to maximum deposit of Rs. 1.50 lakhs in a financial year
• Minimum deposit period 5 years
• Income option(outflow of interest) & maturity option (Reinvestment of interest) is available at the discretion of depositors
• Rebate of Income Tax under Sec 80 C
• Lock in period – 5 years
• 1% additional interest to senior citizens

Cumulative Deposit – An ideal scheme for monthly savings

• Uniform monthly installments of minimum Rs. 50/- and thereafter in multiples of Rs. 10/-
• Period of Deposit – 12 months to 120 months
• No penalty if installment is delayed but paid during same calendar month
• Nominal penalty if installment delayed beyond calendar month.
• Penalty may be set off against payment of equal number of advance instalments.
• TDS applicable on Interest.
Adarsh Deposit – A daily savings scheme at your doorsteps
• Minimum amount of deposit – Re.1/-
• Amount may be deposited daily/weekly/monthly
• Period of Deposit – 63 months
• Premature withdrawal permitted with certain conditions
• Authorised Agent i.e. “Adarsh Agent” collects money for deposit into Adarsh A/c at your door steps.
• TDS applicable on interest
Basic Saving Bank Deposit Account (BSBD)
  • BSBD account offer common minimum facility to all customers.
  • No minimum balance requirement.
  • No limit in number of deposit made in a month.
  • Maximum four withdrawals in a month including ATM withdrawal.
  • Facility of ATM cum Debit card.
  •  KYC compliance subject to RBI instruction on Know Your Customer (KYC), issued time to time.
Small Accounts
  • All credit in a financial year does not exceed rupees one lakh.
  • The aggregate of all withdrawal and transfers in a month does not exceed rupees ten thousand.
  • The balance at any point of time does not exceed rupees fifty thousand.



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