tag:blogger.com,1999:blog-63970719762555796142024-02-14T12:55:37.961-08:00Apply Fixed Deposit | Compare FD CalculatorAnonymoushttp://www.blogger.com/profile/10917523720254526682noreply@blogger.comBlogger26125tag:blogger.com,1999:blog-6397071976255579614.post-32406261162545102172015-02-16T01:50:00.000-08:002018-11-21T02:23:15.488-08:00Secure Your Future with SBT Fixed Deposit<div dir="ltr" style="text-align: left;" trbidi="on">
<!--[if gte mso 9]><xml>
<w:WordDocument>
<w:View>Normal</w:View>
<w:Zoom>0</w:Zoom>
<w:TrackMoves/>
<w:TrackFormatting/>
<w:PunctuationKerning/>
<w:ValidateAgainstSchemas/>
<w:SaveIfXMLInvalid>false</w:SaveIfXMLInvalid>
<w:IgnoreMixedContent>false</w:IgnoreMixedContent>
<w:AlwaysShowPlaceholderText>false</w:AlwaysShowPlaceholderText>
<w:DoNotPromoteQF/>
<w:LidThemeOther>EN-IN</w:LidThemeOther>
<w:LidThemeAsian>X-NONE</w:LidThemeAsian>
<w:LidThemeComplexScript>X-NONE</w:LidThemeComplexScript>
<w:Compatibility>
<w:BreakWrappedTables/>
<w:SnapToGridInCell/>
<w:WrapTextWithPunct/>
<w:UseAsianBreakRules/>
<w:DontGrowAutofit/>
<w:SplitPgBreakAndParaMark/>
<w:EnableOpenTypeKerning/>
<w:DontFlipMirrorIndents/>
<w:OverrideTableStyleHps/>
</w:Compatibility>
<w:DoNotOptimizeForBrowser/>
<m:mathPr>
<m:mathFont m:val="Cambria Math"/>
<m:brkBin m:val="before"/>
<m:brkBinSub m:val="--"/>
<m:smallFrac m:val="off"/>
<m:dispDef/>
<m:lMargin m:val="0"/>
<m:rMargin m:val="0"/>
<m:defJc m:val="centerGroup"/>
<m:wrapIndent m:val="1440"/>
<m:intLim m:val="subSup"/>
<m:naryLim m:val="undOvr"/>
</m:mathPr></w:WordDocument>
</xml><![endif]--><br />
<!--[if gte mso 9]><xml>
<w:LatentStyles DefLockedState="false" DefUnhideWhenUsed="false"
DefSemiHidden="false" DefQFormat="false" DefPriority="99"
LatentStyleCount="371">
<w:LsdException Locked="false" Priority="0" QFormat="true" Name="Normal"/>
<w:LsdException Locked="false" Priority="9" QFormat="true" Name="heading 1"/>
<w:LsdException Locked="false" Priority="9" SemiHidden="true"
UnhideWhenUsed="true" QFormat="true" Name="heading 2"/>
<w:LsdException Locked="false" Priority="9" SemiHidden="true"
UnhideWhenUsed="true" QFormat="true" Name="heading 3"/>
<w:LsdException Locked="false" Priority="9" SemiHidden="true"
UnhideWhenUsed="true" QFormat="true" Name="heading 4"/>
<w:LsdException Locked="false" Priority="9" SemiHidden="true"
UnhideWhenUsed="true" QFormat="true" Name="heading 5"/>
<w:LsdException Locked="false" Priority="9" SemiHidden="true"
UnhideWhenUsed="true" QFormat="true" Name="heading 6"/>
<w:LsdException Locked="false" Priority="9" SemiHidden="true"
UnhideWhenUsed="true" QFormat="true" Name="heading 7"/>
<w:LsdException Locked="false" Priority="9" SemiHidden="true"
UnhideWhenUsed="true" QFormat="true" Name="heading 8"/>
<w:LsdException Locked="false" Priority="9" SemiHidden="true"
UnhideWhenUsed="true" QFormat="true" Name="heading 9"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="index 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="index 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="index 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="index 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="index 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="index 6"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="index 7"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="index 8"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="index 9"/>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" Name="toc 1"/>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" Name="toc 2"/>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" Name="toc 3"/>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" Name="toc 4"/>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" Name="toc 5"/>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" Name="toc 6"/>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" Name="toc 7"/>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" Name="toc 8"/>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" Name="toc 9"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Normal Indent"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="footnote text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="annotation text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="header"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="footer"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="index heading"/>
<w:LsdException Locked="false" Priority="35" SemiHidden="true"
UnhideWhenUsed="true" QFormat="true" Name="caption"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="table of figures"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="envelope address"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="envelope return"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="footnote reference"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="annotation reference"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="line number"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="page number"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="endnote reference"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="endnote text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="table of authorities"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="macro"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="toa heading"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Bullet"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Bullet 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Bullet 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Bullet 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Bullet 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number 5"/>
<w:LsdException Locked="false" Priority="10" QFormat="true" Name="Title"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Closing"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Signature"/>
<w:LsdException Locked="false" Priority="1" SemiHidden="true"
UnhideWhenUsed="true" Name="Default Paragraph Font"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Message Header"/>
<w:LsdException Locked="false" Priority="11" QFormat="true" Name="Subtitle"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Salutation"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Date"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text First Indent"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text First Indent 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Heading"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Block Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Hyperlink"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="FollowedHyperlink"/>
<w:LsdException Locked="false" Priority="22" QFormat="true" Name="Strong"/>
<w:LsdException Locked="false" Priority="20" QFormat="true" Name="Emphasis"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Document Map"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Plain Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="E-mail Signature"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Top of Form"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Bottom of Form"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Normal (Web)"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Acronym"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Address"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Cite"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Code"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Definition"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Keyboard"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Preformatted"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Sample"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Typewriter"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Variable"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Normal Table"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="annotation subject"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="No List"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 6"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 7"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 8"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 6"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 7"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 8"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Contemporary"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Elegant"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Professional"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Subtle 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Subtle 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Balloon Text"/>
<w:LsdException Locked="false" Priority="39" Name="Table Grid"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Theme"/>
<w:LsdException Locked="false" SemiHidden="true" Name="Placeholder Text"/>
<w:LsdException Locked="false" Priority="1" QFormat="true" Name="No Spacing"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading"/>
<w:LsdException Locked="false" Priority="61" Name="Light List"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 1"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 1"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 1"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 1"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 1"/>
<w:LsdException Locked="false" SemiHidden="true" Name="Revision"/>
<w:LsdException Locked="false" Priority="34" QFormat="true"
Name="List Paragraph"/>
<w:LsdException Locked="false" Priority="29" QFormat="true" Name="Quote"/>
<w:LsdException Locked="false" Priority="30" QFormat="true"
Name="Intense Quote"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 1"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 1"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 1"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 1"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 1"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 1"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 1"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 1"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 2"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 2"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 2"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 2"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 2"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 2"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 2"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 2"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 2"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 2"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 2"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 2"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 2"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 2"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 3"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 3"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 3"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 3"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 3"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 3"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 3"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 3"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 3"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 3"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 3"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 3"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 3"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 3"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 4"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 4"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 4"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 4"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 4"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 4"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 4"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 4"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 4"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 4"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 4"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 4"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 4"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 4"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 5"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 5"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 5"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 5"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 5"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 5"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 5"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 5"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 5"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 5"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 5"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 5"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 5"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 5"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 6"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 6"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 6"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 6"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 6"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 6"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 6"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 6"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 6"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 6"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 6"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 6"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 6"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 6"/>
<w:LsdException Locked="false" Priority="19" QFormat="true"
Name="Subtle Emphasis"/>
<w:LsdException Locked="false" Priority="21" QFormat="true"
Name="Intense Emphasis"/>
<w:LsdException Locked="false" Priority="31" QFormat="true"
Name="Subtle Reference"/>
<w:LsdException Locked="false" Priority="32" QFormat="true"
Name="Intense Reference"/>
<w:LsdException Locked="false" Priority="33" QFormat="true" Name="Book Title"/>
<w:LsdException Locked="false" Priority="37" SemiHidden="true"
UnhideWhenUsed="true" Name="Bibliography"/>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" QFormat="true" Name="TOC Heading"/>
<w:LsdException Locked="false" Priority="41" Name="Plain Table 1"/>
<w:LsdException Locked="false" Priority="42" Name="Plain Table 2"/>
<w:LsdException Locked="false" Priority="43" Name="Plain Table 3"/>
<w:LsdException Locked="false" Priority="44" Name="Plain Table 4"/>
<w:LsdException Locked="false" Priority="45" Name="Plain Table 5"/>
<w:LsdException Locked="false" Priority="40" Name="Grid Table Light"/>
<w:LsdException Locked="false" Priority="46" Name="Grid Table 1 Light"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark"/>
<w:LsdException Locked="false" Priority="51" Name="Grid Table 6 Colorful"/>
<w:LsdException Locked="false" Priority="52" Name="Grid Table 7 Colorful"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 1"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 1"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 1"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 1"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 1"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 2"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 2"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 2"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 2"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 2"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 3"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 3"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 3"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 3"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 4"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 4"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 4"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 4"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 5"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 5"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 5"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 5"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 5"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 5"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 5"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 6"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 6"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 6"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 6"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 6"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 6"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 6"/>
<w:LsdException Locked="false" Priority="46" Name="List Table 1 Light"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark"/>
<w:LsdException Locked="false" Priority="51" Name="List Table 6 Colorful"/>
<w:LsdException Locked="false" Priority="52" Name="List Table 7 Colorful"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 1"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 1"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 1"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 1"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 1"/>
<w:LsdException Locked="false" Priority="51"
Name="List Table 6 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="52"
Name="List Table 7 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 2"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 2"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 2"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 2"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 2"/>
<w:LsdException Locked="false" Priority="51"
Name="List Table 6 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="52"
Name="List Table 7 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 3"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 3"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 3"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 3"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 3"/>
<w:LsdException Locked="false" Priority="51"
Name="List Table 6 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="52"
Name="List Table 7 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 4"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 4"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 4"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 4"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 4"/>
<w:LsdException Locked="false" Priority="51"
Name="List Table 6 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="52"
Name="List Table 7 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 5"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 5"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 5"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 5"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 5"/>
<w:LsdException Locked="false" Priority="51"
Name="List Table 6 Colorful Accent 5"/>
<w:LsdException Locked="false" Priority="52"
Name="List Table 7 Colorful Accent 5"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 6"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 6"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 6"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 6"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 6"/>
<w:LsdException Locked="false" Priority="51"
Name="List Table 6 Colorful Accent 6"/>
<w:LsdException Locked="false" Priority="52"
Name="List Table 7 Colorful Accent 6"/>
</w:LatentStyles>
</xml><![endif]--><!--[if gte mso 10]>
<style>
/* Style Definitions */
table.MsoNormalTable
{mso-style-name:"Table Normal";
mso-tstyle-rowband-size:0;
mso-tstyle-colband-size:0;
mso-style-noshow:yes;
mso-style-priority:99;
mso-style-parent:"";
mso-padding-alt:0cm 5.4pt 0cm 5.4pt;
mso-para-margin:0cm;
mso-para-margin-bottom:.0001pt;
line-height:115%;
mso-pagination:widow-orphan;
font-size:11.0pt;
mso-bidi-font-size:10.0pt;
font-family:"Arial",sans-serif;
color:black;}
</style>
<![endif]-->
<br />
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-size: 10.0pt;">The State Bank of Travancore fixed deposit schemes have the solution to a secure and stress-free future</span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><u><span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-size: 10.0pt;">About State Bank of Travancore</span></u></b></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-size: 10.0pt;">State Bank of Travancore was established in 1945 as Travancore Bank LTD. and was sponsored by the former Princely State of Travancore. Under the SBI subsidiary Banks Act 1959, the special statute of the Indian Parliament, State Bank of Travancore was granted membership of the State Bank Group which is the largest banking group in India. State Bank of Travancore has also deemed an Associate of the State Bank of India.</span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhIGd21fWoPj-hBOs6rlQGgNk1zi54yYtYrpoQbRUedWlhRZguMH51yPJLGOjcADEMtDI0uY2YRxYcX8ewc0Ns8-D-tGKCkjpWMV2-MFC3GE3CbayfjpKF6KzlQkm3PS_GmwtE3JbxzEaw/s1600/State+Bank+of+Travancore+(SBT)%2BCustomer%2Bcare%2BToll%2Bfree%2BEmail%2BAbout%2Bus%2Binfo.gif" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="196" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhIGd21fWoPj-hBOs6rlQGgNk1zi54yYtYrpoQbRUedWlhRZguMH51yPJLGOjcADEMtDI0uY2YRxYcX8ewc0Ns8-D-tGKCkjpWMV2-MFC3GE3CbayfjpKF6KzlQkm3PS_GmwtE3JbxzEaw/s1600/State+Bank+of+Travancore+(SBT)%2BCustomer%2Bcare%2BToll%2Bfree%2BEmail%2BAbout%2Bus%2Binfo.gif" width="320" /></a></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><u><span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-size: 10.0pt;">Eligibility</span></u></b></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-size: 10.0pt;">State Bank of Travancore offers the opportunity for children of 10 years and above to open a fixed deposit account with a maximum deposit limit of Rs.2 Lakhs. In the event that a minor who is below the age of 18 years is offered guardianship, the maximum limit that the minor can deposit into their fixed deposit account is Rs.20 Lakhs.</span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-size: 10.0pt;">An existing State Bank of Travancore bank account is not a prerequisite to open a fixed deposit account.</span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-size: 10.0pt;">Adults over the age of 18 years can enjoy a fixed deposit account with State Bank of Travancore without any maximum limit cap on their fixed deposit account.</span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><u><span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-size: 10.0pt;">State Bank of Travancore Fixed Deposit Loan Schemes</span></u></b></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-size: 10.0pt;">Following are the categories that State Bank of Travancore offers fixed deposit schemes in-</span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormalCxSpMiddle" style="margin-left: 36.0pt; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -17.95pt;">
<span style="mso-list: Ignore;">●<span style="font: 7.0pt "Times New Roman";"> </span></span><span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-size: 10.0pt;">Domestic deposits</span></div>
<div class="MsoNormalCxSpMiddle" style="margin-left: 72.0pt; mso-add-space: auto; mso-list: l0 level2 lfo1; text-align: justify; text-indent: -17.95pt;">
<span style="mso-list: Ignore;">○<span style="font: 7.0pt "Times New Roman";"> </span></span><span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-size: 10.0pt;">Less than Rs.1 crore</span></div>
<div class="MsoNormalCxSpMiddle" style="margin-left: 72.0pt; mso-add-space: auto; mso-list: l0 level2 lfo1; text-align: justify; text-indent: -17.95pt;">
<span style="mso-list: Ignore;">○<span style="font: 7.0pt "Times New Roman";"> </span></span><span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-size: 10.0pt;">Rs.1 crore and above</span></div>
<div class="MsoNormalCxSpMiddle" style="margin-left: 36.0pt; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -17.95pt;">
<span style="mso-list: Ignore;">●<span style="font: 7.0pt "Times New Roman";"> </span></span><span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-size: 10.0pt;">NRO fixed deposits</span></div>
<div class="MsoNormalCxSpMiddle" style="margin-left: 72.0pt; mso-add-space: auto; mso-list: l0 level2 lfo1; text-align: justify; text-indent: -17.95pt;">
<span style="mso-list: Ignore;">○<span style="font: 7.0pt "Times New Roman";"> </span></span><span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-size: 10.0pt;">Less than Rs.1 crore</span></div>
<div class="MsoNormalCxSpMiddle" style="margin-left: 72.0pt; mso-add-space: auto; mso-list: l0 level2 lfo1; text-align: justify; text-indent: -17.95pt;">
<span style="mso-list: Ignore;">○<span style="font: 7.0pt "Times New Roman";"> </span></span><span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-size: 10.0pt;">Rs.1 crore and above</span></div>
<div class="MsoNormalCxSpMiddle" style="margin-left: 36.0pt; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -17.95pt;">
<span style="mso-list: Ignore;">●<span style="font: 7.0pt "Times New Roman";"> </span></span><span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-size: 10.0pt;">NRE fixed deposits</span></div>
<div class="MsoNormalCxSpMiddle" style="margin-left: 72.0pt; mso-add-space: auto; mso-list: l0 level2 lfo1; text-align: justify; text-indent: -17.95pt;">
<span style="mso-list: Ignore;">○<span style="font: 7.0pt "Times New Roman";"> </span></span><span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-size: 10.0pt;">Less than Rs.1 crore</span></div>
<div class="MsoNormalCxSpMiddle" style="margin-left: 72.0pt; mso-add-space: auto; mso-list: l0 level2 lfo1; text-align: justify; text-indent: -17.95pt;">
<span style="mso-list: Ignore;">○<span style="font: 7.0pt "Times New Roman";"> </span></span><span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-size: 10.0pt;">Rs.1 crore and above</span></div>
<div class="MsoNormal" style="margin-bottom: 12.0pt; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><u><span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-size: 10.0pt;">Interest Rates offered on State Bank of Travancore fixed deposits</span></u></b><span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-size: 10.0pt;">-</span></div>
<div class="MsoNormal" style="margin-bottom: 12.0pt; text-align: justify;">
<br /></div>
<table border="1" cellpadding="0" cellspacing="0" class="MsoNormalTable" style="border-collapse: collapse; border: none; mso-border-insideh: cell-none; mso-border-insidev: cell-none; mso-padding-alt: 0cm 5.4pt 0cm 5.4pt; mso-table-layout-alt: fixed; mso-yfti-tbllook: 1536; width: 623px;">
<tbody>
<tr style="mso-yfti-firstrow: yes; mso-yfti-irow: 0;">
<td style="border: solid black 1.0pt; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 165.0pt;" valign="top" width="220"><div class="MsoNormal" style="text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><i style="mso-bidi-font-style: normal;"><u><span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-size: 10.0pt;">FIXED DEPOSIT TYPE</span></u></i></b></div>
</td>
<td style="border-left: none; border: solid black 1.0pt; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 163.5pt;" valign="top" width="218"><div class="MsoNormal" style="text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><i style="mso-bidi-font-style: normal;"><u><span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-size: 10.0pt;">AMOUNT</span></u></i></b></div>
</td>
<td style="border-left: none; border: solid black 1.0pt; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 138.75pt;" valign="top" width="185"><div class="MsoNormal" style="text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><i style="mso-bidi-font-style: normal;"><u><span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-size: 10.0pt;">INTEREST RATES</span></u></i></b></div>
</td>
</tr>
<tr style="mso-yfti-irow: 1;">
<td style="border-top: none; border: solid black 1.0pt; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 165.0pt;" valign="top" width="220"><div class="MsoNormal" style="text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-size: 10.0pt;">Domestic deposits</span></b></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 163.5pt;" valign="top" width="218"><div class="MsoNormal" style="text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-size: 10.0pt;">Less than Rs.1 crore</span></b></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 138.75pt;" valign="top" width="185"><div class="MsoNormal" style="text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-size: 10.0pt;">7.5% - 9.25%</span></b></div>
</td>
</tr>
<tr style="mso-yfti-irow: 2;">
<td style="border-top: none; border: solid black 1.0pt; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 165.0pt;" valign="top" width="220"><div class="MsoNormal" style="text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-size: 10.0pt;">Domestic deposits</span></b></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 163.5pt;" valign="top" width="218"><div class="MsoNormal" style="text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-size: 10.0pt;">Rs.1 crore and above</span></b></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 138.75pt;" valign="top" width="185"><div class="MsoNormal" style="text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-size: 10.0pt;">7.0% - 8.75%</span></b></div>
</td>
</tr>
<tr style="mso-yfti-irow: 3;">
<td style="border-top: none; border: solid black 1.0pt; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 165.0pt;" valign="top" width="220"><div class="MsoNormal" style="text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-size: 10.0pt;">NRO fixed deposits</span></b></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 163.5pt;" valign="top" width="218"><div class="MsoNormal" style="text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-size: 10.0pt;">Less than Rs.1 crore</span></b></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 138.75pt;" valign="top" width="185"><div class="MsoNormal" style="text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-size: 10.0pt;">7.0% - 8.75%</span></b></div>
</td>
</tr>
<tr style="mso-yfti-irow: 4;">
<td style="border-top: none; border: solid black 1.0pt; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 165.0pt;" valign="top" width="220"><div class="MsoNormal" style="text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-size: 10.0pt;">NRO fixed deposits</span></b></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 163.5pt;" valign="top" width="218"><div class="MsoNormal" style="text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-size: 10.0pt;">Rs.1 crore and above</span></b></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 138.75pt;" valign="top" width="185"><div class="MsoNormal" style="text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-size: 10.0pt;">6.50% - 8.75%</span></b></div>
</td>
</tr>
<tr style="mso-yfti-irow: 5;">
<td style="border-top: none; border: solid black 1.0pt; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 165.0pt;" valign="top" width="220"><div class="MsoNormal" style="text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-size: 10.0pt;">NRE fixed deposits</span></b></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 163.5pt;" valign="top" width="218"><div class="MsoNormal" style="text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-size: 10.0pt;">Less than Rs.1 crore</span></b></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 138.75pt;" valign="top" width="185"><div class="MsoNormal" style="text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-size: 10.0pt;">8.75%</span></b></div>
</td>
</tr>
<tr style="mso-yfti-irow: 6; mso-yfti-lastrow: yes;">
<td style="border-top: none; border: solid black 1.0pt; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 165.0pt;" valign="top" width="220"><div class="MsoNormal" style="text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-size: 10.0pt;">NRE fixed deposits</span></b></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 163.5pt;" valign="top" width="218"><div class="MsoNormal" style="text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-size: 10.0pt;">Rs.1 crore and above</span></b></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 138.75pt;" valign="top" width="185"><div class="MsoNormal" style="text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-size: 10.0pt;">8.25%</span></b></div>
</td>
</tr>
</tbody></table>
<div class="MsoNormal" style="margin-bottom: 12.0pt; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><u><span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-size: 10.0pt;">Amount that can be placed in your fixed deposit account</span></u></b></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-size: 10.0pt;">The minimum amount you can place in your fixed deposit account with State Bank of Travancore is Rs.1000. The best part about State Bank of Travancore fixed deposits is that there is no cap on the maximum amount that you can invest in your fixed deposit account. The only thing that you have to keep in mind is that an existing account cannot be updated with monetary inputs. In order to place more sums of money under a fixed deposit scheme, a new fixed deposit account needs to be created.</span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><u><span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-size: 10.0pt;">Tenure Period of your fixed deposit account</span></u></b></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-size: 10.0pt;">State Bank of Travancore offers its customers fixed deposit account tenures starting from 7 days and all the way up to 10 years. You can pick the tenure most beneficial to you at your discretion.</span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><u><span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-size: 10.0pt;">Are the fixed deposit accounts with State Bank of Travancore taxable?</span></u></b></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-size: 10.0pt;">State Bank of Travancore fixed deposit interests paid are tax deductible if the interest rate on the fixed deposit exceeds Rs.10000.</span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><u><span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-size: 10.0pt;">What about loans provided against fixed deposits?</span></u></b></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-size: 10.0pt;"><a href="https://www.bankbazaar.com/fixed-deposit/state-bank-of-travancore-fixed-deposit-rate.html">State Bank of Travancore offers you loans against your fixed deposit</a> account to a loan amount of up to 90% of your term deposit amount. Furthermore, the interest rate you are charged will be 1% of your State Bank of Travancore fixed deposit interest rate.</span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><u><span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-size: 10.0pt;">Special Rates for Senior Citizens</span></u></b></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-size: 10.0pt;">State Bank of Travancore offers attractive special rates for senior citizens under the domestic deposit scheme of less than Rs.1 crore.</span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><u>State Bank of Travancore is a stable institution to invest with</u></b></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-size: 10.0pt;">State Bank of Travancore has the answer to all of your imminent financial fears. State Bank of India has infused capital into State Bank of Travancore, thus increasing its capital to Rs.6018.46 crores as evaluated on December 31st 2014. Its non-performing assets percentage has decreased by leaps and bounds in the last quarter. Furthermore, State Bank of Travancore’s capital to risk weighted assets ratio has shown a substantial increase. Also, State Bank of Travancore has shown steady a increase in bank deposits, NRI deposits and yield on advances with its phenomenal decreases in cost of deposits and its total advances.</span><span style="font-family: "arial" , sans-serif; font-size: 12.0pt; line-height: 115%;"></span><br />
<span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-size: 10.0pt;">Know More about NRI Fixed Deposit Scheme</span></div>
</div>
Anonymoushttp://www.blogger.com/profile/10917523720254526682noreply@blogger.com2tag:blogger.com,1999:blog-6397071976255579614.post-13444552205050158122015-01-14T03:34:00.000-08:002018-11-15T21:43:25.532-08:00New Set of Rules from RBI for Small Finance and Payment Banks<div dir="ltr" style="text-align: left;" trbidi="on">
<div class="western" style="line-height: 107%; margin-bottom: 0.28cm;">
Reserve Bank of India (RBI) has released the new set of norms and regulations for the ‘small finance’ and ‘payment banks’. In the new rule, the RBI has said that these institutions must have a minimum of 100 crore as capital requirement to start off their savings accounts, provide fixed deposits, payments or remittent services which caters to the migrant labours, lower economic groups or small and medium scale industries etc.</div>
<div class="western" style="line-height: 107%; margin-bottom: 0.28cm;">
The new rules comes on the back of the union budget in July which aimed at creating specialized banks for providing unique services. The new rule pertains to providing banking services to the local surrounding area, payment banks, and <a href="https://www.bankbazaar.com/fixed-deposit.html">fixed deposit schemes to lend money</a> or serve as a remitter of money for small businesses, unorganized sectors, farmers, migrant labours, and the lower economic groups. Read More..<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhkkUd2G2KmBIqTEUWApA2kVYYhCDSXiy3ECDR0zqqwUyboIEjar_y9l0Ihf5InEj77GpsV8O84SJ1wp4MvUsGNZOhoIbsBR7NA-YwIXr0ciWQ-9Q1H510ZJXvMb5gMuvPQ83RxLpbgRLs/s1600/rbi.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="213" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhkkUd2G2KmBIqTEUWApA2kVYYhCDSXiy3ECDR0zqqwUyboIEjar_y9l0Ihf5InEj77GpsV8O84SJ1wp4MvUsGNZOhoIbsBR7NA-YwIXr0ciWQ-9Q1H510ZJXvMb5gMuvPQ83RxLpbgRLs/s1600/rbi.jpg" width="320" /></a></div>
</div>
<div class="western" style="line-height: 107%; margin-bottom: 0.28cm;">
The promoters who can apply</div>
<div class="western" style="line-height: 107%; margin-bottom: 0.28cm;">
Any existing non-bank Pre-paid Payment Instrument (PPI) issuers, individuals or professionals, non-banking finance companies, corporate business correspondents, mobile phone companies, super-market chains, companies, real sector cooperatives owned by residents or public sector organizations can open payment banks.</div>
<div class="western" style="line-height: 107%; margin-bottom: 0.28cm;">
Residents or professionals with 10 years of experience in banking and finance or companies, societies owned and run by residents can open small finance banks. Even resident owned NBFCs, Micro Finance Institutions (MFIs), and Local Area Banks (LABs) can also set up small finance banks.</div>
<div class="western" style="line-height: 107%; margin-bottom: 0.28cm;">
What can they do?</div>
<div class="western" style="line-height: 107%; margin-bottom: 0.28cm;">
Payment banks can take deposits of up to 1 lac per person and issue debit cards but not credit cards. Can provide transaction services in partner through networks or join as business correspondent with other banks. They can also sell mutual funds and insurance or other no risk sharing simple finance products.</div>
<div class="western" style="line-height: 107%; margin-bottom: 0.28cm;">
How can they deploy the funds?</div>
<div class="western" style="line-height: 107%; margin-bottom: 0.28cm;">
Payment banks cannot lend money apart from the minimum capital amount; they will have to invest 75 percent of demand deposit balance money in government debt instruments for one year and save maximum of up to 25 percent in current and time or fixed deposits.</div>
<div class="western" style="line-height: 107%; margin-bottom: 0.28cm;">
Capital money required</div>
<div class="western" style="line-height: 107%; margin-bottom: 0.28cm;">
With a minimum of 100 crore, payment banks should not have more than 33.33 times its net worth as liabilities.</div>
<div class="western" style="line-height: 107%; margin-bottom: 0.28cm;">
How much can the promoter contribute?</div>
<div class="western" style="line-height: 107%; margin-bottom: 0.28cm;">
A promoter can have a minimum 40 percent stake for the five years from business commencement for payment banks. For small banks it shall start at 40 percent and gradually reduce to 26 per cent within 12 years from the date of commencement of business.</div>
<div class="western" style="line-height: 107%; margin-bottom: 0.28cm;">
Foreign ownership</div>
<div class="western" style="line-height: 107%; margin-bottom: 0.28cm;">
The foreigner ownership can go up to 49 percent of the total paid-up capital by the bank. The NRI individual can go up to 24 percent.</div>
<div class="western" style="line-height: 107%; margin-bottom: 0.28cm;">
<b><span style="font-weight: normal;">Prudential norms & transition path for small finance banks</span></b></div>
<div class="western" style="line-height: 107%; margin-bottom: 0.28cm;">
With the Cash Reserve Ratio (<a href="http://economictimes.indiatimes.com/definition/cash-reserve-ratio" target="_blank"><b>CRR</b></a>) and Statutory Liquidity Ratio (SLR) applicable, these banks must lend 50 percent of its loan and advances of up to 25 lakh to priority sectors as named by the RBI.</div>
<div class="western" style="line-height: 107%; margin-bottom: 0.28cm;">
Small banks can move up the ladder to universal banks by reaching the minimum capital requirements of universal banks and their net worth. The past performance will also be taken into consideration along with due diligence from the RBI.</div>
</div>
Anonymoushttp://www.blogger.com/profile/10917523720254526682noreply@blogger.com0tag:blogger.com,1999:blog-6397071976255579614.post-79721522797997230352014-12-04T01:40:00.006-08:002018-11-15T21:47:28.270-08:00Bank Deposits Down- A Trend, or Lasting Reality?<div dir="ltr" style="text-align: left;" trbidi="on">
<div class="MsoNormal" style="text-align: justify;">
In recent times, banks are reporting a steady decline in deposits from customers across the economic scale. This is obviously a worrying factor, not helped by the fact that many reputed Indian banks including State Bank of India (SBI), Punjab National Bank (PNB), Bank of India (BoI) etc. have, recently, slashed the <a href="https://www.bankbazaar.com/fixed-deposit-rate.html">interest rates across a wide range of fixed deposit </a>maturities. Is this the start of a mass trend? Have the banks lost their charm as a safe and productive outlet for an individual’s hard earned money, via instruments like the fixed deposit? <o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
Is this time to safely relegate the erstwhile superstar that was the fixed deposit as a relic from the days gone by? <o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
Not so fast, dear investor. The warning bells and the doomsday predictions will have to wait a while longer.<o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<b>Rising Cost of Living (Money is Short- Commitments Are Many)<o:p></o:p></b></div>
<div class="MsoNormal" style="text-align: justify;">
With modernisation and all-round advancements, the cost of living has correspondingly hit the roof. The common Indian man now needs to stretch his hard earned rupee much farther than before. When expenditure eats up most of the income, savings turn into a luxury rather than a rule. In August 2014, bank deposits across India grew at an alarming rate of just 5.6%- the lowest in the preceding five years, signalling and providing ample proof for this hypothesis. This worries those in the banking trade because deposits from individuals account form a majority of such monetary inputs- 36% as compared to 34% deposited by businesses annually. <o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
The solution- can the cost of living scale down in the coming times? Maybe Santa Claus could do something about it…<o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<b>Shifting Priorities- A House, Car, and maybe World Peace!<o:p></o:p></b></div>
<div class="MsoNormal" style="text-align: justify;">
For common households, the first priority when it comes to disposable cash is a roof over their heads- which translates into housing loans and mortgages. Next, the common man looks for other necessities in life, a car, education for the kids, implements for the house etc. This allots a very limited margin for sustainable and undisturbed bank deposits, a fact made difficult by the rapid urbanization of the Indian middle class. Money is short- and it serves a greater purpose when not locked in a bank. The fact that home loans, car loans are holding steady feeds to this idea. <o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<b>It’s a Viral Epidemic- Impacting Other Deposit Instruments<o:p></o:p></b></div>
<div class="MsoNormal" style="text-align: justify;">
The slowdown in bank deposits has had a natural escalation- other products in the bank’s kitty, including current accounts and savings accounts are feeling the pinch. These products are the bank’s primary and cheapest form of funding, that have risen at a mere 5.1% in August 2014. The concern arising from this is that as loan growth is a much higher prospect than the growth of its cheaper forms of funding, the banks might have to dip into their expensive forms of cash to power their loan growth. It’s like cigarette smoking- the end results are never good, cumulating in such scenarios as a slower lending growth. <o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<b>Negative Real Returns on Deposits- Bad gets Worse!!<o:p></o:p></b></div>
<div class="MsoNormal" style="text-align: justify;">
This year, inflation has maintained a steady height across the 12-month fixed deposit rate, resulting in among other things, cut-down on the real returns on deposits. Next year, the situation is expected to get worse, surpassing the 3.3% inflation rate set in August 2014. This will ensure that returns on deposits will not meet the expectations of the investor, forcing them to invest in other high-yielding formats including trusts, stock market etc. The situation looks grim for the bank deposit scenario, and all the banking analysts who are hoping for a ‘poof-and-the-problem-is-history’ solution.<o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<span style="font-family: "calibri" , sans-serif; font-size: 11.0pt; line-height: 107%;">Hence, while the bankers search for an answer to this nagging problem, the common folks are holding on tight to their monies and looking out for more productive results. Understandably, the one solution that could ease the worries at both ends could be the lowering cost of living, an option that only a progressive and people oriented budget can confirm upon. The wait, begins!!</span></div>
Anonymoushttp://www.blogger.com/profile/10917523720254526682noreply@blogger.com0tag:blogger.com,1999:blog-6397071976255579614.post-70073009459735777202014-11-10T00:10:00.000-08:002018-11-15T22:00:38.745-08:00Fund your loan with a loan against fixed deposit<div dir="ltr" style="text-align: left;" trbidi="on">
<div class="MsoNormal">
At some point in time everyone needs cash and most of the times we avail a loan or sell our assets. Especially in times of urgent cash most of us do not realize that, we could still have that last bit of cash left in us, only if we looked for it.<o:p></o:p></div>
<div class="MsoNormal">
<a href="https://www.bankbazaar.com/fixed-deposit/loan-against-fixed-deposit.html">Have you ever tried availing loan against your fixeddeposit?</a><o:p></o:p></div>
<div class="MsoNormal">
Yes, banks offer loan against your fixed deposit. The surprise just does not stop here, you also get a range of benefits compared to the traditional loans.<br />
<br />
<o:p></o:p></div>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEie7ucQ3xJLly-ABdXeC8tE83MYkT5QIu1MLWS5OQJ4sza9kwgNCEkkDeQqh3_n9YiXitrgb4LD4IP1gqpbnoYhZVx9tG0-hAG6NjjOMRyFa5BXoERCkP3Mpy1S_HW3pipEZ-zsPRfaqLI/s1600/personalBank_fixedDeposit.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="127" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEie7ucQ3xJLly-ABdXeC8tE83MYkT5QIu1MLWS5OQJ4sza9kwgNCEkkDeQqh3_n9YiXitrgb4LD4IP1gqpbnoYhZVx9tG0-hAG6NjjOMRyFa5BXoERCkP3Mpy1S_HW3pipEZ-zsPRfaqLI/s1600/personalBank_fixedDeposit.jpg" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><br /></td></tr>
</tbody></table>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b>Cheaper interest rates</b><o:p></o:p></div>
<div class="MsoNormal">
Loans against fixed deposits are way cheaper. In fact the interest rates are less than half of what you pay when compared to your personal loans. For loans against fixed deposits, the interest rate is mostly just a percent or 2 higher than the interest earned on your FD. For example, if your FD offers you 8% percent interest on maturity then you pay just 9 percent for the loan borrowed on your fixed deposit.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b>Pay only for the loan amount and the tenure of the loan</b><o:p></o:p></div>
<div class="MsoNormal">
In simple words if you availed a loan amount of 9,000 against your fixed deposit of 10,000 and if you repay the amount in 10 days, then you pay the interest only for the ten days against a loan of 9,000 rupees. Therefore, interest is charged only on the amount borrowed and for the tenure of the borrowed amount. <o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b>Get up to 90% of sum assured</b><o:p></o:p></div>
<div class="MsoNormal">
In most cases when we avail for a loan, we are always short changed. However in case of loans against fixed deposits there is a possibility of getting up to 90% of the loan amount simply because the loan amount is based on the value of your fixed deposit.<o:p></o:p></div>
<div class="MsoNormal">
As always do not just go with flow, most importantly find the purpose of the loan. Go for loan against FD mostly in case of a temporary cash crunch and if you are sure you will get some liquidity in the near future.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b>No repayment charges </b><o:p></o:p></div>
<div class="MsoNormal">
Unlike your home loan or personal loans, there are no charges in case you pay off your loan against fixed deposits earlier than the stipulated period. So in case you did get some extra cash or the extra liquidity you need not think twice before repaying your loan on the FD.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b>Instant Loan disbursement</b><o:p></o:p></div>
<div class="MsoNormal">
No need to fill lengthy forms, go through elaborate procedures or worry about your CIBIL score. Loans against fixed deposits are easily available as the lender knows the maximum amount to be disbursed by looking at your fixed deposit amount and the tenure. However, going forward if you are not paying your loan on time, it will surely reflect on your credit score and might affect your future loan eligibility.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b>Processing fees is almost next to nothing</b><o:p></o:p></div>
<div class="MsoNormal">
Almost every loan starts off with the dreaded processing fees. It is all fine once the loan is disbursed. If your loan is rejected or later you realized that the loan is not as per your terms and conditions then your processing fees in most cases is as good as gone. However, in case of loans against fixed deposits there is only some marginal fees and the banks might even waiver it off in case you are a regular customer.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b>Loan tenure is till the FD maturity date</b><o:p></o:p></div>
<div class="MsoNormal">
You can actually fix the tenure of the loan amount based on your repayment capacity and in most cases you can choose the tenure for as long as the fixed deposit's maturity date. So in case you have gone for those long and steady fixed deposit plans, then you can avail a long tenure and also enjoy the low interest on loans against fixed deposits.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b>Take a moment of thought</b><o:p></o:p></div>
<div class="MsoNormal">
However, with all the strings and bells attached, loan against fixed deposits must be taken with a pinch of salt. End of the day you are the best person who knows about your financial situation. Do not just go with the flow and opt for a loan. Loan against fixed deposit is best in cases where the liquidity crunch is for a short period of time and you are almost pretty much assured of getting cash in the near future.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
In case your loan requirement is for a smaller amount, you can again opt for loans against fixed deposit while you can continue to earn interest on the balance amount of fixed deposit. However once you have availed a loan you cannot go for partial withdrawals of your fixed deposit or close the fixed deposit. You will have to continue your fixed deposit till the maturity date or go for the prepayment of the loan and there are no tax benefits as well.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b>Final Opinion</b><o:p></o:p></div>
<br />
<div class="MsoNormal">
In case you need some fast cash without much fuss, then fixed deposits are one of the best sources for loans available. End of the day it is your own money and not only do you get interest on the balance amount but it does help to raise your own money.<o:p></o:p></div>
</div>
Anonymoushttp://www.blogger.com/profile/10917523720254526682noreply@blogger.com0tag:blogger.com,1999:blog-6397071976255579614.post-17161310328126845042014-10-20T05:24:00.001-07:002018-11-15T21:59:51.995-08:00Know all about Non-Bank Fixed Deposits<div dir="ltr" style="text-align: left;" trbidi="on">
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;">Bank fixed deposits is an all-time favorite investment vehicle for a large number of investors. While bank fixed deposits offer secured returns and other intrinsic advantages like option of availing loans and flexible tenure, banks are quite often the first ones to reduce interest rates on deposits in case of a recession or bad market economic scenario. Since most banks offer similar interest rates, the reduction of fixed deposits interest rates is usually uniform across all public and private banks. It is during such a scenario that investors look for alternate investment options that can offer similar advantages as bank fixed deposits. <o:p></o:p></span></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;"><a href="http://businesstoday.intoday.in/story/company-deposits-invest-fixed-deposits-debentures-risk/1/20329.html" rel="nofollow" target="_blank">Non bank fixed deposits</a> or corporate fixed deposits are one such option that allows investors to invest their funds as deposits under various fixed deposit schemes. These non banking financial institutions have the complete authorization of Reserve Bank of India to seek investment from normal public and must not be compared to other crony ponzy schemes often operating in a recession market. Let us look at various aspects of investing in a Non-Bank Fixed Deposits or company fixed deposits a </span>s they are commonly called.</div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgr6MgxywS-KycmlWyI18Zn2WoK2XTjy0Gy-qaaGFECROeaYNyunid_aMghpjaMDyAbWvuxlZYOpT84E-VjmVO1grMcRuOm_0ArQimfXNf6Xxybeh62rXMt-cb7P7JPuUtGS6Lma7SR9OY/s1600/nbfc.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgr6MgxywS-KycmlWyI18Zn2WoK2XTjy0Gy-qaaGFECROeaYNyunid_aMghpjaMDyAbWvuxlZYOpT84E-VjmVO1grMcRuOm_0ArQimfXNf6Xxybeh62rXMt-cb7P7JPuUtGS6Lma7SR9OY/s1600/nbfc.jpg" /></a></div>
<br />
<o:p></o:p><br />
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<b><span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;">Types of NBFC Fixed Deposit Schemes: </span></b><span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;"><a href="https://www.bankbazaar.com/fixed-deposit.html">Investment in fixed deposit schemes of various non-banking financial companies</a> have been authorized by RBI to have a term period between 12 months to 5 years. The rate of interest for such non banking financial companies FD schemes is higher than traditional bank fixed deposits but the investments are highly unsecured. <o:p></o:p></span></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;">Non Banking Financial Companies have a two tier system for investors known as the cumulative fixed deposit scheme and non cumulative fixed deposit scheme. In the cumulative fixed deposit scheme, NBFCs offer interest at the end of the fixed deposit tenure. The interest keep son getting accumulated to the principal amount leading to higher returns. At the end of the investment tenure period, the investor gets principal amount along with the accumulated interest. <o:p></o:p></span></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;">On the other hand, in case of a non cumulative fixed deposit, the interest earned by the investor is paid off on a regular periodic basis depending on the preference of the investor. Interests are usually paid out quarterly, half yearly or annually. Since in case of non cumulative fixed deposits the interest earned in not added to the principal invested amount, the returns are lower compared to non cumulative fixed deposits.<b><o:p></o:p></b></span></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<b><span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;">Fixed Deposits and Company Ratings: </span></b><span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;">Before investing in fixed deposits in non banking financial companies, an investor must do a background check of the company in terms of its rating and performance. Various financial agencies like CRISIL and ICRA rate such non banking financial companies that accept investments from general public. The ratings are done in accordance to the new owned fund or NOF of the company along with RBI slabs and ceilings. The ratings of NBFCs give a perfect yardstick for investors to choose the right company for investment of their funds.<b><o:p></o:p></b></span></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<b><span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;">Interest Rates: </span></b><span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;">Non banking financial companies offer higher interest rate for investments compared to bank fixed deposits. Reserve Bank of India has stipulated the maximum upper limit for interest rate at 12% for all investments made to various NBFC fixed deposit accounts. Considering the fact that maximum interest rate in today's economic scenario offered by banks ranges close to 9%, non banking financial companies offer interest rates between 9 to 12% making them an attractive investment option for a number of investors.<b><o:p></o:p></b></span></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<b><span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;">Premature Withdrawal Options: </span></b><span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;">Investing in fixed deposits of non banking financial companies come with a lock in period of 3 months. After the expiry of the initial lock in period, the investor is free to withdraw funds prematurely from the deposit. Each NBFC can its own terms and conditions catering to penalties and calculation of interest accrued for premature withdrawals.<b><o:p></o:p></b></span></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<br />
<div class="MsoNormal">
<b><span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;">Other Advantages: </span></b><span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;">While the investment may not be highly secured as bank fixed deposits, NBFCs offer a higher interest rate than bank fixed deposits. Like bank fixed deposits, nomination and premature withdrawal facility is available for company fixed deposits. The procedure to enter any company fixed deposit investment scheme is simple and non complicated allowing common investor to invest with ease.<b><o:p></o:p></b></span></div>
</div>
Anonymoushttp://www.blogger.com/profile/10917523720254526682noreply@blogger.com0tag:blogger.com,1999:blog-6397071976255579614.post-39833288854560317792014-10-09T02:15:00.001-07:002018-11-15T21:58:46.445-08:00Why is it better to Invest in FDs than Mutual Funds?<div dir="ltr" style="text-align: left;" trbidi="on">
<div class="MsoNormal" style="text-align: justify;">
From time immemorial, there have been some momentous questions that have invaded the minds of the rational, clear thinker- the chicken or the egg, democracy or dictatorship, the Beatles or Metallica? For the 21<sup>st</sup> century investor in you, one of the paramount questions is this- Where must I invest, in fixed deposits or mutual funds?<o:p></o:p></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjtZn5a3houhE2wlUieLu0ZtWpSCja9yLkj1HCbXckWL0P9wUnMmA5rBvPKiJ1GvVScMz9Eu_GmLM5Pp3HGNmXBHPDaLRFudM0dqbPIPWzrD7cfWvSftxGfp4JtdgWSAlEntfW2MO8WKl0/s1600/FD&MF.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="211" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjtZn5a3houhE2wlUieLu0ZtWpSCja9yLkj1HCbXckWL0P9wUnMmA5rBvPKiJ1GvVScMz9Eu_GmLM5Pp3HGNmXBHPDaLRFudM0dqbPIPWzrD7cfWvSftxGfp4JtdgWSAlEntfW2MO8WKl0/s1600/FD&MF.png" width="320" /></a></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
Both FD and mutual funds make logical arguments for their selection. Mutual funds are the new kids on the block, prospective high returns, seemingly progressive and definitely a better tax saving option as compared to FD. Fixed deposit on the other hand is considered a safer option, comes with a better guarantee in terms of the ready availability of funds and has that ‘traditional’ and ‘long-term’ vibe working for it. We are presenting below, a clear selection of reasons that put FD a notch above mutual funds as your ideal choice of investment. Of course, the final choice is always yours to make…<o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<b>Think Long Term, or a year or two…<o:p></o:p></b></div>
<div class="MsoNormal" style="text-align: justify;">
The lure of mutual funds lie in its short term success- your investment, a progressive market, good returns. However, fixed deposit ensures a reliable and steady FD interest rate that remains constant over a short term or long term duration. While this ensures security for your investment, it also sees to it that the chances of you losing money on your FD investment is a very tiny, miniscule percentage, against the constant unreliability of mutual funds.<o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<b>No fees on investing…<o:p></o:p></b></div>
<div class="MsoNormal" style="text-align: justify;">
Unlike mutual funds that require a minimum surcharge for the management of investment and distribution of funds, charged irrespective of actual returns gained, a fixed deposit doesn’t require any additional fees to get going. The FD is in place to only earn positive paybacks for the investor without demanding any additional monetary inputs to begin with.<o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<b>More liquidity equates to ready cash…<o:p></o:p></b></div>
<div class="MsoNormal" style="text-align: justify;">
True, most FD portfolios are conceived with an intent to invest money for a long duration, however, many banks allow you to withdraw your money prematurely, with a very small penalty (usually 1%). This ensures that you always have a source of ready, liquid cash that can be accessed immediately if situations thus demanded. This shouldn’t play havoc with the FD interest rate too as you will receive an interest rate in line with the duration your money was part of the FD portfolio. On the flipside, mutual funds fine a 1% exit load on prematurely terminated portfolios, while paying out interest on the prevalent Net Asset Value (NAV) that is squarely dependent on the ups and downs of the financial market.<o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<b>Consistent return on FD investment…<o:p></o:p></b></div>
<div class="MsoNormal" style="text-align: justify;">
Investing in <a href="https://www.bankbazaar.com/fixed-deposit-rate.html">fixed deposits come with an assurance that the FD interest rate</a> that was promised to you at the time of the purchase of the fixed deposit will remain a constant factor through the duration of the policy. Such a promise isn’t a possibility with mutual funds. In the latter, the market decides the fate of your investment- it could be an impressive return in line with the market’s upswing, or you could lose money as the market hits the ground. <o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<br />
<div class="MsoNormal" style="text-align: justify;">
Bottom line- FD gives you safety, and an assurance of a fixed income on your investment. Fixed deposit is the choice of a safety oriented, smart and optimistic investor, who isn’t willing to cast away his/her hard earned money on the whims of an often <a href="http://www.investorwords.com/12446/volatile_market.html" rel="nofollow" target="_blank">volatilemarket</a>. <o:p></o:p></div>
</div>
Anonymoushttp://www.blogger.com/profile/10917523720254526682noreply@blogger.com1tag:blogger.com,1999:blog-6397071976255579614.post-65664899847170157352014-09-17T23:51:00.000-07:002018-11-15T21:49:16.593-08:00BANK OF BARODA - FIXED DEPOSIT INTEREST RATES 2014<div dir="ltr" style="text-align: left;" trbidi="on">
<div class="MsoNormal">
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhG6UJ6p_S3tG0RDdEpKHTXiQ8ThMHltTSDtyHkjUvtxHCalr34WPBfVozGaXtOTZWPqFRaNJ5MySdIZWmnvE3lxLE5EHzOYH0grh45PFZdIr51rqTFxsDS9QSpXZnTsj9J7fgB1QGsQjw/s1600/bank-of-baroda-fixed-deposit.png" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="109" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhG6UJ6p_S3tG0RDdEpKHTXiQ8ThMHltTSDtyHkjUvtxHCalr34WPBfVozGaXtOTZWPqFRaNJ5MySdIZWmnvE3lxLE5EHzOYH0grh45PFZdIr51rqTFxsDS9QSpXZnTsj9J7fgB1QGsQjw/s1600/bank-of-baroda-fixed-deposit.png" width="320" /></a></div>
Bank of Baroda (BOB), headquartered in Vadodara, Gujarat is
one of the largest banks in India. This leading public-sector bank has a
widespread network of over 4,460 branches and offers a wide range of products
and services to meet the banking needs of its customers.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Amongst its products, BOB offers fixed deposits at varying
tenors and at attractive interest rates. Below are the interest rates on the
various Bank of Baroda fixed deposit interest schemes as at <i>August 2014. </i><o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="color: #1155cc;"><a href="http://www.bankbazaar.com/fixed-deposit/bank-of-baroda-fixed-deposit-rate.html">Bank of Baroda Double Dhamaka Fixed Deposit Interest Rates (p.a.)</a> </span></b><o:p></o:p></div>
<div align="center" class="MsoNormal" style="text-align: center;">
<br /></div>
<div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="color: #1155cc;">Less than Rs.1 crore</span></b><o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<table border="1" cellpadding="0" cellspacing="0" class="MsoNormalTable" style="border-collapse: collapse; border: none; mso-border-alt: solid black .75pt; mso-border-insideh: .75pt solid black; mso-border-insidev: .75pt solid black; mso-padding-alt: 0cm 5.4pt 0cm 5.4pt; mso-table-layout-alt: fixed; mso-yfti-tbllook: 1536; width: 624px;">
<tbody>
<tr>
<td style="border: solid black 1.0pt; mso-border-alt: solid black .75pt; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 351.95pt;" valign="top" width="469"><div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="color: #1155cc;">Period</span></b><o:p></o:p></div>
</td>
<td style="border-left: none; border: solid black 1.0pt; mso-border-alt: solid black .75pt; mso-border-left-alt: solid black .75pt; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 116.05pt;" valign="top" width="155"><div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="color: #1155cc;">Interest Rate</span></b><o:p></o:p></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .75pt; mso-border-top-alt: solid black .75pt; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 351.95pt;" valign="top" width="469"><div class="MsoNormal">
General Public: 7 Years 9 months & 02 days<o:p></o:p></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .75pt; mso-border-left-alt: solid black .75pt; mso-border-top-alt: solid black .75pt; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 116.05pt;" valign="top" width="155"><div align="center" class="MsoNormal" style="text-align: center;">
9.05%<o:p></o:p></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .75pt; mso-border-top-alt: solid black .75pt; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 351.95pt;" valign="top" width="469"><div class="MsoNormal">
Senior Citizens: 7 Years 4 months & 05 days<o:p></o:p></div>
<div class="MsoNormal">
(additional interest as applicable)<o:p></o:p></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .75pt; mso-border-left-alt: solid black .75pt; mso-border-top-alt: solid black .75pt; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 116.05pt;" valign="top" width="155"><div align="center" class="MsoNormal" style="text-align: center;">
9.55%<o:p></o:p></div>
</td>
</tr>
</tbody></table>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: 8.0pt; line-height: 115%; mso-bidi-font-size: 10.0pt;">source: </span><a href="http://www.bankofbaroda.com/interest.asp"><span style="color: #1155cc; font-size: 8.0pt; line-height: 115%;">http://www.bankofbaroda.com/interest.asp</span></a><o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div align="center" class="MsoNormal" style="text-align: center;">
<br /></div>
<div align="center" class="MsoNormal" style="text-align: center;">
<br /></div>
<div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="color: #1155cc;">Term Deposits & NRO Deposits - Interest
Rates (p.a.)</span></b><o:p></o:p></div>
<div align="center" class="MsoNormal" style="text-align: center;">
<br /></div>
<div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="color: #1155cc;">Less Than Rs.1 crore</span></b><o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<table border="1" cellpadding="0" cellspacing="0" class="MsoNormalTable" style="border-collapse: collapse; border: none; mso-border-alt: solid black .75pt; mso-border-insideh: .75pt solid black; mso-border-insidev: .75pt solid black; mso-padding-alt: 0cm 5.4pt 0cm 5.4pt; mso-table-layout-alt: fixed; mso-yfti-tbllook: 1536; width: 639px;">
<tbody>
<tr>
<td style="border: solid black 1.0pt; mso-border-alt: solid black .75pt; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 244.5pt;" valign="top" width="326"><div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="color: #1155cc;">Period</span></b><o:p></o:p></div>
</td>
<td style="border-left: none; border: solid black 1.0pt; mso-border-alt: solid black .75pt; mso-border-left-alt: solid black .75pt; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 234.75pt;" valign="top" width="313"><div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="color: #1155cc;">Interest Rate</span></b><o:p></o:p></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .75pt; mso-border-top-alt: solid black .75pt; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 244.5pt;" valign="top" width="326"><div align="center" class="MsoNormal" style="text-align: center;">
7 - 14 days<o:p></o:p></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .75pt; mso-border-left-alt: solid black .75pt; mso-border-top-alt: solid black .75pt; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 234.75pt;" valign="bottom" width="313"><div align="center" class="MsoNormal" style="text-align: center;">
4.50%<o:p></o:p></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .75pt; mso-border-top-alt: solid black .75pt; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 244.5pt;" valign="top" width="326"><div align="center" class="MsoNormal" style="text-align: center;">
15 - 45 days<o:p></o:p></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .75pt; mso-border-left-alt: solid black .75pt; mso-border-top-alt: solid black .75pt; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 234.75pt;" valign="bottom" width="313"><div align="center" class="MsoNormal" style="text-align: center;">
4.50%<o:p></o:p></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .75pt; mso-border-top-alt: solid black .75pt; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 244.5pt;" valign="top" width="326"><div align="center" class="MsoNormal" style="text-align: center;">
46 - days<o:p></o:p></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .75pt; mso-border-left-alt: solid black .75pt; mso-border-top-alt: solid black .75pt; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 234.75pt;" valign="bottom" width="313"><div align="center" class="MsoNormal" style="text-align: center;">
6.50%<o:p></o:p></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .75pt; mso-border-top-alt: solid black .75pt; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 244.5pt;" valign="top" width="326"><div align="center" class="MsoNormal" style="text-align: center;">
91 - 180 days<o:p></o:p></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .75pt; mso-border-left-alt: solid black .75pt; mso-border-top-alt: solid black .75pt; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 234.75pt;" valign="bottom" width="313"><div align="center" class="MsoNormal" style="text-align: center;">
7.30%<o:p></o:p></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .75pt; mso-border-top-alt: solid black .75pt; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 244.5pt;" valign="top" width="326"><div align="center" class="MsoNormal" style="text-align: center;">
181 - 270 days<o:p></o:p></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .75pt; mso-border-left-alt: solid black .75pt; mso-border-top-alt: solid black .75pt; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 234.75pt;" valign="bottom" width="313"><div align="center" class="MsoNormal" style="text-align: center;">
7.75%<o:p></o:p></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .75pt; mso-border-top-alt: solid black .75pt; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 244.5pt;" valign="top" width="326"><div align="center" class="MsoNormal" style="text-align: center;">
271 days - 1 yr.<o:p></o:p></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .75pt; mso-border-left-alt: solid black .75pt; mso-border-top-alt: solid black .75pt; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 234.75pt;" valign="bottom" width="313"><div align="center" class="MsoNormal" style="text-align: center;">
8.25%<o:p></o:p></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .75pt; mso-border-top-alt: solid black .75pt; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 244.5pt;" valign="top" width="326"><div align="center" class="MsoNormal" style="text-align: center;">
1 yr. - 6 yrs. 3
months<o:p></o:p></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .75pt; mso-border-left-alt: solid black .75pt; mso-border-top-alt: solid black .75pt; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 234.75pt;" valign="bottom" width="313"><div align="center" class="MsoNormal" style="text-align: center;">
9.05%<o:p></o:p></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .75pt; mso-border-top-alt: solid black .75pt; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 244.5pt;" valign="top" width="326"><div align="center" class="MsoNormal" style="text-align: center;">
6 years 3 months -
10 years<o:p></o:p></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .75pt; mso-border-left-alt: solid black .75pt; mso-border-top-alt: solid black .75pt; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 234.75pt;" valign="bottom" width="313"><div align="center" class="MsoNormal" style="text-align: center;">
9.05%<o:p></o:p></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .75pt; mso-border-top-alt: solid black .75pt; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 244.5pt;" valign="top" width="326"><div align="center" class="MsoNormal" style="text-align: center;">
1111 Days (Baroda
Maha Utsav Deposit Scheme)<o:p></o:p></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .75pt; mso-border-left-alt: solid black .75pt; mso-border-top-alt: solid black .75pt; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 234.75pt;" valign="bottom" width="313"><div align="center" class="MsoNormal" style="text-align: center;">
9.05%<o:p></o:p></div>
</td>
</tr>
</tbody></table>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="color: #1155cc;">Term Deposits & NRO Deposits - Interest
Rates (p.a.) </span></b><o:p></o:p></div>
<div align="center" class="MsoNormal" style="text-align: center;">
<br /></div>
<div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="color: #1155cc;">Rs.1 crore to Rs.10 Crores</span></b><o:p></o:p></div>
<div align="center" class="MsoNormal" style="text-align: center;">
<br /></div>
<br />
<table border="1" cellpadding="0" cellspacing="0" class="MsoNormalTable" style="border-collapse: collapse; border: none; mso-border-alt: solid black .75pt; mso-border-insideh: .75pt solid black; mso-border-insidev: .75pt solid black; mso-padding-alt: 0cm 5.4pt 0cm 5.4pt; mso-table-layout-alt: fixed; mso-yfti-tbllook: 1536; width: 624px;">
<tbody>
<tr>
<td style="border: solid black 1.0pt; mso-border-alt: solid black .75pt; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 234.0pt;" valign="top" width="312"><div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="color: #1155cc;">Period</span></b><o:p></o:p></div>
</td>
<td style="border-left: none; border: solid black 1.0pt; mso-border-alt: solid black .75pt; mso-border-left-alt: solid black .75pt; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 234.0pt;" valign="top" width="312"><div align="center" class="MsoNormal" style="text-align: center;">
<b><span style="color: #1155cc;">Interest Rate</span></b><o:p></o:p></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .75pt; mso-border-top-alt: solid black .75pt; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 234.0pt;" valign="bottom" width="312"><div align="center" class="MsoNormal" style="text-align: center;">
7 - 14 days<o:p></o:p></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .75pt; mso-border-left-alt: solid black .75pt; mso-border-top-alt: solid black .75pt; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 234.0pt;" valign="top" width="312"><div align="center" class="MsoNormal" style="text-align: center;">
4.50%<o:p></o:p></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .75pt; mso-border-top-alt: solid black .75pt; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 234.0pt;" valign="bottom" width="312"><div align="center" class="MsoNormal" style="text-align: center;">
15 - 45 Days<o:p></o:p></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .75pt; mso-border-left-alt: solid black .75pt; mso-border-top-alt: solid black .75pt; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 234.0pt;" valign="top" width="312"><div align="center" class="MsoNormal" style="text-align: center;">
4.50%<o:p></o:p></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .75pt; mso-border-top-alt: solid black .75pt; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 234.0pt;" valign="bottom" width="312"><div align="center" class="MsoNormal" style="text-align: center;">
46 - 90 days<o:p></o:p></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .75pt; mso-border-left-alt: solid black .75pt; mso-border-top-alt: solid black .75pt; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 234.0pt;" valign="top" width="312"><div align="center" class="MsoNormal" style="text-align: center;">
6.50%<o:p></o:p></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .75pt; mso-border-top-alt: solid black .75pt; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 234.0pt;" valign="bottom" width="312"><div align="center" class="MsoNormal" style="text-align: center;">
91 - 180 days<o:p></o:p></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .75pt; mso-border-left-alt: solid black .75pt; mso-border-top-alt: solid black .75pt; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 234.0pt;" valign="top" width="312"><div align="center" class="MsoNormal" style="text-align: center;">
7.25%<o:p></o:p></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .75pt; mso-border-top-alt: solid black .75pt; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 234.0pt;" valign="bottom" width="312"><div align="center" class="MsoNormal" style="text-align: center;">
181 - 270 days<o:p></o:p></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .75pt; mso-border-left-alt: solid black .75pt; mso-border-top-alt: solid black .75pt; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 234.0pt;" valign="top" width="312"><div align="center" class="MsoNormal" style="text-align: center;">
7.75%<o:p></o:p></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .75pt; mso-border-top-alt: solid black .75pt; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 234.0pt;" valign="bottom" width="312"><div align="center" class="MsoNormal" style="text-align: center;">
271 days - 1 year<o:p></o:p></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .75pt; mso-border-left-alt: solid black .75pt; mso-border-top-alt: solid black .75pt; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 234.0pt;" valign="top" width="312"><div align="center" class="MsoNormal" style="text-align: center;">
8.50%<o:p></o:p></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .75pt; mso-border-top-alt: solid black .75pt; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 234.0pt;" valign="bottom" width="312"><div align="center" class="MsoNormal" style="text-align: center;">
1 yr.<o:p></o:p></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .75pt; mso-border-left-alt: solid black .75pt; mso-border-top-alt: solid black .75pt; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 234.0pt;" valign="top" width="312"><div align="center" class="MsoNormal" style="text-align: center;">
8.75%<o:p></o:p></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .75pt; mso-border-top-alt: solid black .75pt; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 234.0pt;" valign="bottom" width="312"><div align="center" class="MsoNormal" style="text-align: center;">
1 yr. - 2 yrs.<o:p></o:p></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .75pt; mso-border-left-alt: solid black .75pt; mso-border-top-alt: solid black .75pt; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 234.0pt;" valign="top" width="312"><div align="center" class="MsoNormal" style="text-align: center;">
8.75%<o:p></o:p></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .75pt; mso-border-top-alt: solid black .75pt; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 234.0pt;" valign="bottom" width="312"><div align="center" class="MsoNormal" style="text-align: center;">
2 yrs. - 3 yrs.<o:p></o:p></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .75pt; mso-border-left-alt: solid black .75pt; mso-border-top-alt: solid black .75pt; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 234.0pt;" valign="top" width="312"><div align="center" class="MsoNormal" style="text-align: center;">
8.75%<o:p></o:p></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .75pt; mso-border-top-alt: solid black .75pt; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 234.0pt;" valign="bottom" width="312"><div align="center" class="MsoNormal" style="text-align: center;">
3 yrs. - 10 yrs.<o:p></o:p></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .75pt; mso-border-left-alt: solid black .75pt; mso-border-top-alt: solid black .75pt; padding: 5.0pt 5.0pt 5.0pt 5.0pt; width: 234.0pt;" valign="top" width="312"><div align="center" class="MsoNormal" style="text-align: center;">
8.50%<o:p></o:p></div>
</td>
</tr>
</tbody></table>
</div>
Anonymoushttp://www.blogger.com/profile/10917523720254526682noreply@blogger.com0tag:blogger.com,1999:blog-6397071976255579614.post-1121708061278178162014-09-02T00:51:00.000-07:002018-11-15T22:10:57.665-08:00Latest FIXED DEPOSIT RATES - CENTRAL BANK OF INDIA<div dir="ltr" style="text-align: left;" trbidi="on">
<div class="MsoNormal" style="line-height: 115%; margin-bottom: 10.0pt; mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;">
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh_faMQU8u_-BC9F5bdcyqKdj1ZxtXxdWFGlYfjvQxUFWsDYdWgLcTx_u0RmBburjPtUoJYyigCWZCPoGuQvZV5vDzW3HVhObU26e8othn_3UjocIMwFIInZ8U7EVKTJf1ZVfVnRY-GU_A/s1600/central-bank-of-india-fixed-deposit.png" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh_faMQU8u_-BC9F5bdcyqKdj1ZxtXxdWFGlYfjvQxUFWsDYdWgLcTx_u0RmBburjPtUoJYyigCWZCPoGuQvZV5vDzW3HVhObU26e8othn_3UjocIMwFIInZ8U7EVKTJf1ZVfVnRY-GU_A/s1600/central-bank-of-india-fixed-deposit.png" /></a></div>
<span lang="EN" style="font-size: 12.0pt; line-height: 115%; mso-ansi-language: EN; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">Central Bank of India is a public sector commercial bank. Headquartered in Mumbai, it has a large branch network of about 4,600 branches in about 27 states. It is among the oldest/largest commercial banks in India. <o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: 10.0pt; mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;">
<span lang="EN" style="font-size: 12.0pt; line-height: 115%; mso-ansi-language: EN; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">The <a href="http://www.bankbazaar.com/fixed-deposit/central-bank-of-india-fixed-deposit-rate.html">Central Bank of India offers short and long term fixed deposits</a>. Short- term fixed deposits are those term deposits where the term-to-maturity and interest rate are fixed for a short period of time i.e. less than one year. Long-term fixed deposits are those term deposits where the term-to-maturity and interest rate are fixed for a long period of time i.e. one year or more. The interest rates on fixed deposits are revised over time in accordance to market changes and bank requirements.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: 10.0pt; mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;">
<span lang="EN" style="font-size: 12.0pt; line-height: 115%; mso-ansi-language: EN; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">Fixed deposits are gaining ground as an investment avenue in 2014 given the government's positive outlook on controlling inflation. Lower inflation makes fixed return products like fixed deposits more attractive as the returns are guaranteed and not diminished by inflation.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: 10.0pt; mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;">
<span lang="EN" style="font-size: 12.0pt; line-height: 115%; mso-ansi-language: EN; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">The Central Bank of India's fixed deposit rates for 2014 are given below. It indicates both short-term and long-term fixed deposit rates in Central Bank of India. <o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: 10.0pt; mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;">
<span lang="EN" style="font-size: 12.0pt; line-height: 115%; mso-ansi-language: EN; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">Table 1 shows the rates that were existing and also the revised rates for fixed deposits that are less than Rs. 1 crore in value and those that range from Rs. 1 crore to Rs. 10 crore. Table 2 shows the existing and revised rates for aggregate bulk deposits for Rs.10 crore and above. (Footnotes appended for additional information).<o:p></o:p></span></div>
<div align="center" class="MsoNormal" style="line-height: 115%; margin-bottom: 10.0pt; mso-layout-grid-align: none; mso-pagination: none; text-align: center; text-autospace: none;">
<b><span lang="EN" style="font-size: 12.0pt; line-height: 115%; mso-ansi-language: EN; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">Table 1<o:p></o:p></span></b></div>
<div align="center" class="MsoNormal" style="margin: 5pt 0cm; text-align: center;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">Domestic Term Deposits<o:p></o:p></span></div>
<div align="center">
<table border="0" cellpadding="0" cellspacing="0" class="MsoNormalTable" style="border-collapse: collapse; mso-padding-alt: 0cm .5pt 0cm .5pt; mso-table-layout-alt: fixed;">
<tbody>
<tr>
<td rowspan="3" style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 94.5pt;" valign="top" width="126"><div align="center" class="MsoNormal" style="margin: 5pt 0cm; text-align: center;">
<b><span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">Maturity Period</span></b><span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;"><o:p></o:p></span></div>
</td>
<td colspan="2" style="border-left: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 122.25pt;" valign="top" width="163"><div align="center" class="MsoNormal" style="margin: 5pt 0cm; text-align: center;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">Rates for Deposits less than Rs.1 Crore <o:p></o:p></span></div>
</td>
<td colspan="2" style="border-left: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 132.75pt;" valign="top" width="177"><div align="center" class="MsoNormal" style="margin: 5pt 0cm; text-align: center;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">Rates For Deposits 1 Cr to Rs.10 Cr (Single Deposit)<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 60.75pt;" valign="top" width="81"><div align="center" class="MsoNormal" style="margin: 5pt 0cm; text-align: center;">
<b><span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">Existing rates </span></b><span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;"><o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 61.5pt;" valign="top" width="82"><div align="center" class="MsoNormal" style="margin: 5pt 0cm; text-align: center;">
<b><span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">Revised rates</span></b><span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;"><o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 67.5pt;" valign="top" width="90"><div align="center" class="MsoNormal" style="margin: 5pt 0cm; text-align: center;">
<b><span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">Existing rates </span></b><span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;"><o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 65.25pt;" valign="top" width="87"><div align="center" class="MsoNormal" style="margin: 5pt 0cm; text-align: center;">
<b><span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">Revised rates</span></b><span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;"><o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 60.75pt;" valign="top" width="81"><div align="right" class="MsoNormal" style="margin: 5pt 0cm; text-align: right;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">02.04.14<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 61.5pt;" valign="top" width="82"><div align="right" class="MsoNormal" style="margin: 5pt 0cm; text-align: right;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">17.06.14<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 67.5pt;" valign="top" width="90"><div align="right" class="MsoNormal" style="margin: 5pt 0cm; text-align: right;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">03.02.14<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 65.25pt;" valign="top" width="87"><div align="right" class="MsoNormal" style="margin: 5pt 0cm; text-align: right;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">17.06.14<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 94.5pt;" valign="top" width="126"><div class="MsoNormal" style="margin: 5pt 0cm;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">7 -14 days<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 60.75pt;" valign="top" width="81"><div align="right" class="MsoNormal" style="margin: 5pt 0cm; text-align: right;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">6.50<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 61.5pt;" valign="top" width="82"><div align="right" class="MsoNormal" style="margin: 5pt 0cm; text-align: right;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">6.50<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 67.5pt;" valign="top" width="90"><div align="right" class="MsoNormal" style="margin: 5pt 0cm; text-align: right;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">6.00<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 65.25pt;" valign="top" width="87"><div align="right" class="MsoNormal" style="margin: 5pt 0cm; text-align: right;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">6.25<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 94.5pt;" valign="top" width="126"><div class="MsoNormal" style="margin: 5pt 0cm;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">15 – 30 days<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 60.75pt;" valign="top" width="81"><div align="right" class="MsoNormal" style="margin: 5pt 0cm; text-align: right;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">6.50<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 61.5pt;" valign="top" width="82"><div align="right" class="MsoNormal" style="margin: 5pt 0cm; text-align: right;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">7.00<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 67.5pt;" valign="top" width="90"><div align="right" class="MsoNormal" style="margin: 5pt 0cm; text-align: right;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">7.00<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 65.25pt;" valign="top" width="87"><div align="right" class="MsoNormal" style="margin: 5pt 0cm; text-align: right;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">7.00<o:p></o:p></span></div>
</td>
</tr>
<tr style="height: 26.25pt; mso-yfti-irow: 5;">
<td style="border-top: none; border: solid windowtext 1.0pt; height: 26.25pt; mso-border-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 94.5pt;" valign="top" width="126"><div class="MsoNormal" style="margin: 5pt 0cm;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">31 -45 days <o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 26.25pt; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 60.75pt;" valign="top" width="81"><div align="right" class="MsoNormal" style="margin: 5pt 0cm; text-align: right;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">6.50<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 26.25pt; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 61.5pt;" valign="top" width="82"><div align="right" class="MsoNormal" style="margin: 5pt 0cm; text-align: right;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">7.00<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 26.25pt; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 67.5pt;" valign="top" width="90"><div align="right" class="MsoNormal" style="margin: 5pt 0cm; text-align: right;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">7.00<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 26.25pt; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 65.25pt;" valign="top" width="87"><div align="right" class="MsoNormal" style="margin: 5pt 0cm; text-align: right;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">7.00<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 94.5pt;" valign="top" width="126"><div class="MsoNormal" style="margin: 5pt 0cm;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">46 – 59 days<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 60.75pt;" valign="top" width="81"><div align="right" class="MsoNormal" style="margin: 5pt 0cm; text-align: right;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">7.50<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 61.5pt;" valign="top" width="82"><div align="right" class="MsoNormal" style="margin: 5pt 0cm; text-align: right;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">7.50<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 67.5pt;" valign="top" width="90"><div align="right" class="MsoNormal" style="margin: 5pt 0cm; text-align: right;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">7.25<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 65.25pt;" valign="top" width="87"><div align="right" class="MsoNormal" style="margin: 5pt 0cm; text-align: right;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">7.25<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 94.5pt;" valign="top" width="126"><div class="MsoNormal" style="margin: 5pt 0cm;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">60 – 90 days<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 60.75pt;" valign="top" width="81"><div align="right" class="MsoNormal" style="margin: 5pt 0cm; text-align: right;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">7.50<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 61.5pt;" valign="top" width="82"><div align="right" class="MsoNormal" style="margin: 5pt 0cm; text-align: right;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">7.50<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 67.5pt;" valign="top" width="90"><div align="right" class="MsoNormal" style="margin: 5pt 0cm; text-align: right;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">7.75<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 65.25pt;" valign="top" width="87"><div align="right" class="MsoNormal" style="margin: 5pt 0cm; text-align: right;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">7.75<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 94.5pt;" valign="top" width="126"><div class="MsoNormal" style="margin: 5pt 0cm;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">91 – 179 days<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 60.75pt;" valign="top" width="81"><div align="right" class="MsoNormal" style="margin: 5pt 0cm; text-align: right;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">8.20<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 61.5pt;" valign="top" width="82"><div align="right" class="MsoNormal" style="margin: 5pt 0cm; text-align: right;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">8.20<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 67.5pt;" valign="top" width="90"><div align="right" class="MsoNormal" style="margin: 5pt 0cm; page-break-after: avoid; text-align: right;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">8.00<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 65.25pt;" valign="top" width="87"><div align="right" class="MsoNormal" style="margin: 5pt 0cm; page-break-after: avoid; text-align: right;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">8.00<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 94.5pt;" valign="top" width="126"><div class="MsoNormal" style="margin: 5pt 0cm;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">180 – 270 days<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 60.75pt;" valign="top" width="81"><div align="right" class="MsoNormal" style="margin: 5pt 0cm; text-align: right;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">8.75<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 61.5pt;" valign="top" width="82"><div align="right" class="MsoNormal" style="margin: 5pt 0cm; text-align: right;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">8.75<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 67.5pt;" valign="top" width="90"><div align="right" class="MsoNormal" style="margin: 5pt 0cm; text-align: right;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">8.50<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 65.25pt;" valign="top" width="87"><div align="right" class="MsoNormal" style="margin: 5pt 0cm; text-align: right;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">8.50<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 94.5pt;" valign="top" width="126"><div class="MsoNormal" style="margin: 5pt 0cm;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">271 – 364 days<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 60.75pt;" valign="top" width="81"><div align="right" class="MsoNormal" style="margin: 5pt 0cm; text-align: right;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">8.75<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 61.5pt;" valign="top" width="82"><div align="right" class="MsoNormal" style="margin: 5pt 0cm; text-align: right;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">8.75<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 67.5pt;" valign="top" width="90"><div align="right" class="MsoNormal" style="margin: 5pt 0cm; text-align: right;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">8.50<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 65.25pt;" valign="top" width="87"><div align="right" class="MsoNormal" style="margin: 5pt 0cm; text-align: right;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">8.50<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 94.5pt;" valign="top" width="126"><div class="MsoNormal" style="margin: 5pt 0cm;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">1 yr to less than 2 yrs <o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 60.75pt;" valign="top" width="81"><div align="right" class="MsoNormal" style="margin: 5pt 0cm; text-align: right;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">9.00<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 61.5pt;" valign="top" width="82"><div align="right" class="MsoNormal" style="margin: 5pt 0cm; text-align: right;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">9.00<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 67.5pt;" valign="top" width="90"><div align="right" class="MsoNormal" style="margin: 5pt 0cm; text-align: right;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">9.00<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 65.25pt;" valign="top" width="87"><div align="right" class="MsoNormal" style="margin: 5pt 0cm; text-align: right;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">9.00<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 94.5pt;" valign="top" width="126"><div class="MsoNormal" style="margin: 5pt 0cm;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">2 yr to less than 3 years<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 60.75pt;" valign="top" width="81"><div align="right" class="MsoNormal" style="margin: 5pt 0cm; text-align: right;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">9.05<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 61.5pt;" valign="top" width="82"><div align="right" class="MsoNormal" style="margin: 5pt 0cm; text-align: right;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">9.05<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 67.5pt;" valign="top" width="90"><div align="right" class="MsoNormal" style="margin: 5pt 0cm; text-align: right;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">8.75<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 65.25pt;" valign="top" width="87"><div align="right" class="MsoNormal" style="margin: 5pt 0cm; text-align: right;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">8.75<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 94.5pt;" valign="top" width="126"><div class="MsoNormal" style="margin: 5pt 0cm;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">3 yr to less than 5 years <o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 60.75pt;" valign="top" width="81"><div align="right" class="MsoNormal" style="margin: 5pt 0cm; text-align: right;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">9.05<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 61.5pt;" valign="top" width="82"><div align="right" class="MsoNormal" style="margin: 5pt 0cm; text-align: right;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">9.05<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 67.5pt;" valign="top" width="90"><div align="right" class="MsoNormal" style="margin: 5pt 0cm; text-align: right;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">8.75<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 65.25pt;" valign="top" width="87"><div align="right" class="MsoNormal" style="margin: 5pt 0cm; text-align: right;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">8.75<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 94.5pt;" valign="top" width="126"><div class="MsoNormal" style="margin: 5pt 0cm;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">5 years & above<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 60.75pt;" valign="top" width="81"><div align="right" class="MsoNormal" style="margin: 5pt 0cm; text-align: right;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">8.75<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 61.5pt;" valign="top" width="82"><div align="right" class="MsoNormal" style="margin: 5pt 0cm; text-align: right;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">8.75<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 67.5pt;" valign="top" width="90"><div align="right" class="MsoNormal" style="margin: 5pt 0cm; text-align: right;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">8.75<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 65.25pt;" valign="top" width="87"><div align="right" class="MsoNormal" style="margin: 5pt 0cm; text-align: right;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">8.75<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 94.5pt;" valign="top" width="126"><div class="MsoNormal" style="margin: 5pt 0cm;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">555 days <o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 60.75pt;" valign="top" width="81"><div align="right" class="MsoNormal" style="margin: 5pt 0cm; text-align: right;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">9.05<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 61.5pt;" valign="top" width="82"><div align="right" class="MsoNormal" style="margin: 5pt 0cm; text-align: right;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">9.05<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 67.5pt;" valign="top" width="90"><div align="right" class="MsoNormal" style="margin: 5pt 0cm; text-align: right;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">NA<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 65.25pt;" valign="top" width="87"><div align="right" class="MsoNormal" style="margin: 5pt 0cm; text-align: right;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">NA<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 94.5pt;" valign="top" width="126"><div class="MsoNormal" style="margin: 5pt 0cm;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">777 days<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 60.75pt;" valign="top" width="81"><div align="right" class="MsoNormal" style="margin: 5pt 0cm; text-align: right;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">9.15<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 61.5pt;" valign="top" width="82"><div align="right" class="MsoNormal" style="margin: 5pt 0cm; text-align: right;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">9.15<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 67.5pt;" valign="top" width="90"><div align="right" class="MsoNormal" style="margin: 5pt 0cm; text-align: right;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">NA<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 65.25pt;" valign="top" width="87"><div align="right" class="MsoNormal" style="margin: 5pt 0cm; text-align: right;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">NA<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 94.5pt;" valign="top" width="126"><div class="MsoNormal" style="margin: 5pt 0cm;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">Cent Double <o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 60.75pt;" valign="top" width="81"><div align="right" class="MsoNormal" style="margin: 5pt 0cm; text-align: right;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">8.75<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 61.5pt;" valign="top" width="82"><div align="right" class="MsoNormal" style="margin: 5pt 0cm; text-align: right;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">8.75<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 67.5pt;" valign="top" width="90"><div align="right" class="MsoNormal" style="margin: 5pt 0cm; text-align: right;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">NA<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 65.25pt;" valign="top" width="87"><div align="right" class="MsoNormal" style="margin: 5pt 0cm; text-align: right;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">NA<o:p></o:p></span></div>
</td>
</tr>
</tbody></table>
</div>
<div align="center" class="MsoNormal" style="margin: 5pt 0cm; text-align: center;">
<br /></div>
<div align="center" class="MsoNormal" style="margin: 5pt 0cm; text-align: center;">
<br /></div>
<div align="center" class="MsoNormal" style="margin: 5pt 0cm; text-align: center;">
<b><span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">Table 2 <o:p></o:p></span></b></div>
<div align="center" class="MsoNormal" style="margin: 5pt 0cm; text-align: center;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">Aggregate bulk deposit above Rs.10 crore with effect from 07.07.2014:-<o:p></o:p></span></div>
<div align="center">
<table border="0" cellpadding="0" cellspacing="0" class="MsoNormalTable" style="border-collapse: collapse; mso-padding-alt: 0cm .5pt 0cm .5pt; mso-table-layout-alt: fixed;">
<tbody>
<tr>
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 104.25pt;" valign="top" width="139"><div align="center" class="MsoNormal" style="margin: 5pt 0cm; text-align: center;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">Period<o:p></o:p></span></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 106.5pt;" valign="top" width="142"><div align="center" class="MsoNormal" style="margin: 5pt 0cm; text-align: center;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">Existing Rates (%)<o:p></o:p></span></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 101.25pt;" valign="top" width="135"><div align="center" class="MsoNormal" style="margin: 5pt 0cm; text-align: center;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">Revised Rate (%)<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 104.25pt;" valign="top" width="139"><div align="center" class="MsoNormal" style="margin: 5pt 0cm; text-align: center;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">7-14 days<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 106.5pt;" valign="top" width="142"><div align="center" class="MsoNormal" style="margin: 5pt 0cm; text-align: center;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">6.00<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 101.25pt;" valign="top" width="135"><div align="center" class="MsoNormal" style="margin: 5pt 0cm; text-align: center;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">6.00<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 104.25pt;" valign="top" width="139"><div align="center" class="MsoNormal" style="margin: 5pt 0cm; text-align: center;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">15-30 days<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 106.5pt;" valign="top" width="142"><div align="center" class="MsoNormal" style="margin: 5pt 0cm; text-align: center;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">7.00<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 101.25pt;" valign="top" width="135"><div align="center" class="MsoNormal" style="margin: 5pt 0cm; text-align: center;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">7.00<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 104.25pt;" valign="top" width="139"><div align="center" class="MsoNormal" style="margin: 5pt 0cm; text-align: center;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">31-45 days<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 106.5pt;" valign="top" width="142"><div align="center" class="MsoNormal" style="margin: 5pt 0cm; text-align: center;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">8.25<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 101.25pt;" valign="top" width="135"><div align="center" class="MsoNormal" style="margin: 5pt 0cm; text-align: center;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">8.25<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 104.25pt;" valign="top" width="139"><div align="center" class="MsoNormal" style="margin: 5pt 0cm; text-align: center;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">46-59 days<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 106.5pt;" valign="top" width="142"><div align="center" class="MsoNormal" style="margin: 5pt 0cm; text-align: center;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">8.50<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 101.25pt;" valign="top" width="135"><div align="center" class="MsoNormal" style="margin: 5pt 0cm; text-align: center;">
<b><span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">8.25</span></b><span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;"><o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 104.25pt;" valign="top" width="139"><div align="center" class="MsoNormal" style="margin: 5pt 0cm; text-align: center;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">60-90 days<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 106.5pt;" valign="top" width="142"><div align="center" class="MsoNormal" style="margin: 5pt 0cm; text-align: center;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">8.60<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 101.25pt;" valign="top" width="135"><div align="center" class="MsoNormal" style="margin: 5pt 0cm; text-align: center;">
<b><span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">8.25</span></b><span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;"><o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 104.25pt;" valign="top" width="139"><div align="center" class="MsoNormal" style="margin: 5pt 0cm; text-align: center;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">91-179 days<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 106.5pt;" valign="top" width="142"><div align="center" class="MsoNormal" style="margin: 5pt 0cm; text-align: center;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">8.60<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 101.25pt;" valign="top" width="135"><div align="center" class="MsoNormal" style="margin: 5pt 0cm; text-align: center;">
<b><span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">8.50</span></b><span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;"><o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 104.25pt;" valign="top" width="139"><div align="center" class="MsoNormal" style="margin: 5pt 0cm; text-align: center;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">180-270 days<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 106.5pt;" valign="top" width="142"><div align="center" class="MsoNormal" style="margin: 5pt 0cm; text-align: center;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">8.85<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 101.25pt;" valign="top" width="135"><div align="center" class="MsoNormal" style="margin: 5pt 0cm; text-align: center;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">8.85<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 104.25pt;" valign="top" width="139"><div align="center" class="MsoNormal" style="margin: 5pt 0cm; text-align: center;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">271-364 days<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 106.5pt;" valign="top" width="142"><div align="center" class="MsoNormal" style="margin: 5pt 0cm; text-align: center;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">8.85<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 101.25pt;" valign="top" width="135"><div align="center" class="MsoNormal" style="margin: 5pt 0cm; text-align: center;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">8.85<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 104.25pt;" valign="top" width="139"><div align="center" class="MsoNormal" style="margin: 5pt 0cm; text-align: center;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">12 months to 13 months<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 106.5pt;" valign="top" width="142"><div align="center" class="MsoNormal" style="margin: 5pt 0cm; text-align: center;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">9.10<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .75pt; mso-border-left-alt: solid windowtext .75pt; mso-border-top-alt: solid windowtext .75pt; padding: 0cm .5pt 0cm .5pt; width: 101.25pt;" valign="top" width="135"><div align="center" class="MsoNormal" style="margin: 5pt 0cm; text-align: center;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">9.10<o:p></o:p></span></div>
</td>
</tr>
</tbody></table>
</div>
<div class="MsoNormal" style="margin: 5pt 0cm;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">Prior approval of Treasury Central Office must be taken before accepting deposit of Rs.25 crore and above.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin: 5pt 0cm;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">These interest rates are not applicable for Inter-Bank Deposits.<o:p></o:p></span></div>
<div align="center" class="MsoNormal" style="margin: 5pt 0cm; text-align: center;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">Source: <a href="https://www.centralbankofindia.co.in/Site/Interest.aspx"><span style="color: windowtext; text-decoration: none; text-underline: none;">https://www.centralbankofindia.co.in/Site/Interest.aspx</span></a><o:p></o:p></span></div>
<div align="center" class="MsoNormal" style="margin: 5pt 0cm; text-align: center;">
<br /></div>
<div class="MsoNormal" style="margin: 5pt 0cm;">
<u><span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">Senior citizen rates:<o:p></o:p></span></u></div>
<div class="MsoNormal" style="margin: 5pt 0cm;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">Senior citizens are given an additional 0.50% p.a. on the rates shown above. Senior citizen rates are considered for depositors above 60 yrs.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin: 5pt 0cm;">
<u><span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">Penalty on premature withdrawals:</span></u><span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;"><o:p></o:p></span></div>
<div class="MsoNormal" style="margin: 5pt 0cm;">
<span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">(As of 27.04.2013)<o:p></o:p></span></div>
<div class="MsoNormal" style="margin: 5pt 0cm 5pt 36pt; text-indent: -18pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: "symbol"; font-size: 12.0pt;">·<span style="font-family: "times new roman"; font-size: 7pt;"> </span></span><!--[endif]--><span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">upto Rs. 5 lakhs - no penalty<o:p></o:p></span></div>
<div class="MsoNormal" style="margin: 5pt 0cm 5pt 36pt; text-indent: -18pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: "symbol"; font-size: 12.0pt;">·<span style="font-family: "times new roman"; font-size: 7pt;"> </span></span><!--[endif]--><span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">above Rs.5 lakhs - 1%<o:p></o:p></span></div>
<div class="MsoNormal" style="margin: 5pt 0cm 5pt 36pt; text-indent: -18pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: "symbol"; font-size: 12.0pt;">·<span style="font-family: "times new roman"; font-size: 7pt;"> </span></span><!--[endif]--><span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">renewal of the deposit for a longer term than the original period left after premature withdrawal - no penalty<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: 10.0pt; mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;">
<u><span lang="EN" style="font-size: 12.0pt; line-height: 115%; mso-ansi-language: EN; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">Revised rates:<o:p></o:p></span></u></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: 10.0pt; mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;">
<span lang="EN" style="font-size: 12.0pt; line-height: 115%; mso-ansi-language: EN; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">Deposit renewal and all new deposits will be as per the revised rates of interest on the term deposits as mentioned in the tables above.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: 10.0pt; mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: 10.0pt; mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;">
<b><span lang="EN" style="color: #f79646; font-size: 12.0pt; line-height: 115%;">Fixed Deposit Schemes at Central Bank of India</span></b><span lang="EN" style="color: #f79646; font-size: 12.0pt; line-height: 115%;"><o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: 10.0pt; mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;">
<span lang="EN" style="font-size: 12.0pt; line-height: 115%; mso-ansi-language: EN; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">The fixed deposit rates in Central Bank of India for the various FD schemes on offer by the bank are given below: <o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: 10.0pt; mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;">
<span lang="EN" style="font-size: 12.0pt; line-height: 115%; mso-ansi-language: EN; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">1. Cent Benefit Deposit: 8.25% (No additional rate for seniors/staff)<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: 10.0pt; mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;">
<span lang="EN" style="font-size: 12.0pt; line-height: 115%; mso-ansi-language: EN; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">2. Cent Millionaire: 8.75%<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: 10.0pt; mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;">
<span lang="EN" style="font-size: 12.0pt; line-height: 115%; mso-ansi-language: EN; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">3. Cent Lakhpati: 8.75% - 9.05% (Additional rate for seniors/staff as per standards)<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: 10.0pt; mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;">
<span lang="EN" style="font-size: 12.0pt; line-height: 115%; mso-ansi-language: EN; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;"> 4. CENT Swa-ShaktiI Flexi RDS: As per prevailing term deposit rates (+ 0.5% for seniors/staff) <o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: 10.0pt; mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;">
<span lang="EN" style="font-size: 12.0pt; line-height: 115%; mso-ansi-language: EN; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;"> 5. Cent Double Deposit Scheme: 8.75%<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: 10.0pt; mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;">
<span lang="EN" style="font-size: 12.0pt; line-height: 115%; mso-ansi-language: EN; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;"> 6. Cent Super Plus term deposit: 9.30% (+.5% for seniors/+1% for staff)<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: 10.0pt; mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;">
<span lang="EN" style="font-size: 12.0pt; line-height: 115%; mso-ansi-language: EN; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;"> 7. CENT Uttam Scheme: As per prevailing term deposit rates <o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: 10.0pt; mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;">
<span lang="EN" style="font-size: 12.0pt; line-height: 115%; mso-ansi-language: EN; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;"> 8. Monthly Interest Deposit Receipt (MIDR): As per prevailing term deposit rates (Monthly interest)<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: 10.0pt; mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;">
<span lang="EN" style="font-size: 12.0pt; line-height: 115%; mso-ansi-language: EN; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">9. CENT Tax Saving Deposit: As per prevailing term deposit rates for 5 yrs (upto Rs.15 lakhs)<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: 10.0pt; mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;">
<span lang="EN" style="font-size: 12.0pt; line-height: 115%; mso-ansi-language: EN; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">10. Senior Citizen Deposit Scheme: As per prevailing term deposit rates + 0.50% for seniors<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: 10.0pt; mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;">
<span lang="EN" style="font-size: 12.0pt; line-height: 115%; mso-ansi-language: EN; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">11. Money Multiplier Deposit Certificate (MMDC): As per prevailing term deposit rates (interest is added onto the principal for a higher effective interest rate)<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: 10.0pt; mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;">
<span lang="EN" style="font-size: 12.0pt; line-height: 115%; mso-ansi-language: EN; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">12. Quarterly Interest Deposit Receipt (QIDR): As per prevailing term deposit rates (Quarterly interest)<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: 10.0pt; mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;">
<span lang="EN" style="font-size: 12.0pt; line-height: 115%; mso-ansi-language: EN; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">13. Central‘s Flexi Yield Deposit Scheme: As per prevailing term deposit rates (Can avail a higher floating rate of interest) <o:p></o:p></span><br />
<span style="font-size: 12pt;">Apart from the visiting banks or its website, Central Bank of India Fixed Deposit rates for 2014 can also be found online on financial sites.</span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: 10.0pt; mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;">
<span lang="EN" style="font-size: 12.0pt; line-height: 115%; mso-ansi-language: EN; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;"><span style="color: windowtext; text-decoration: none; text-underline: none;">BankBazaar.com</span> is one such site that provides information not only on the fixed deposit rates in Central Bank of India but also lets you calculate the maturity values of the deposits by using a deposit rate calculator. Using this, the maturity value of the fixed deposit is returned on inputting the deposit amount for a particular tenure at a particular rate. You can also then apply for the product that suits you the best. <o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: 10.0pt; mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;">
<span lang="EN" style="font-size: 12.0pt; line-height: 115%; mso-ansi-language: EN; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">Fixed deposit rates are different across banks because there are many factors that affect the rates set by each bank. Some key factors are: liquidity requirements, change in RBI's policy, profitability and also to build customer base and compete. These are some of the reasons why other banks may offer fixed deposits at more attractive rates but the features of the products have to be compared to best suit one's investing requirements.<i><span style="color: red;"><o:p></o:p></span></i></span></div>
<div class="MsoNormal" style="line-height: 115%; margin-bottom: 10.0pt; mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;">
<i><span lang="EN" style="color: red; font-size: 12.0pt; line-height: 115%;">The information provided above is as per information released by the bank and is subject to change. All information must be read in conjunction with the additional features, terms and conditions relating to the said products as outlined by the bank.</span></i></div>
</div>
Anonymoushttp://www.blogger.com/profile/10917523720254526682noreply@blogger.com0tag:blogger.com,1999:blog-6397071976255579614.post-42761405728500612482014-08-11T23:28:00.001-07:002018-11-15T22:09:57.410-08:007 Banks offering Fixed Deposit rates above 9.00% in India<div dir="ltr" style="text-align: left;" trbidi="on">
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgyGn7FzJrWes8WEhTFRT1zLjBQKmvJxFjpYKEXDq4p2gcfghj6L_gOLDQEAjmT7XbZ1qX0RksZ_6H_enJkzXOMMIaib-MwBxstrGi-LvmWBnjDhqoStATbpJDbqKPr5jHmdB8eros95R4/s1600/10.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgyGn7FzJrWes8WEhTFRT1zLjBQKmvJxFjpYKEXDq4p2gcfghj6L_gOLDQEAjmT7XbZ1qX0RksZ_6H_enJkzXOMMIaib-MwBxstrGi-LvmWBnjDhqoStATbpJDbqKPr5jHmdB8eros95R4/s1600/10.jpg" width="320" /></a></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span lang="EN-US">Whenever we think of doing savings, the first thing that comes into our mind is Fixed Deposits. Because of its overwhelming features like safety of funds, security of money, guaranteed interest on deposits made, it has become a star for every eyes. And, do we expect anything else from it?<o:p></o:p></span></div>
<br />
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span lang="EN-US">Yes, <a href="https://www.bankbazaar.com/fixed-deposit-rate.html">we do expect higher FD interest rates</a>. This will probably help us sticking to a safer type of investments like FD’s, otherwise with lower interest rates, we would definitely try to explore some new sort of investments. There are some of the banks who renders more than 9.00% of FD interest rates and those are mentioned below.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span lang="EN-US"><br /></span></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiv0QR1Rcyjy0feZZGDSUJ_CoObNxUCgmAzdmkcwX5aQTx1ltUIG8GlnxW8MWaRraWS8qeT5q_8ENwyIowdKmuy4WkC_v-I0HLezr-QabotXVIh0mF_NBIyMzOblzBtD4t_9H_wf8xI3AM/s1600/03-1367552112-interestrates4.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="300" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiv0QR1Rcyjy0feZZGDSUJ_CoObNxUCgmAzdmkcwX5aQTx1ltUIG8GlnxW8MWaRraWS8qeT5q_8ENwyIowdKmuy4WkC_v-I0HLezr-QabotXVIh0mF_NBIyMzOblzBtD4t_9H_wf8xI3AM/s1600/03-1367552112-interestrates4.jpg" width="400" /></a></div>
<div class="MsoListParagraphCxSpFirst" style="mso-list: l0 level1 lfo1; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<!--[if !supportLists]--><b><span lang="EN-US">11. </span></b><b><span lang="EN-US"><a href="http://www.saraswatbank.com/home/page/Interest-Rates-EN/Deposit-Scheme-Interest-Rates-EN" rel="nofollow" target="_blank">Saraswati CooperativeBank</a>: </span></b><span lang="EN-US">It is a cooperative society bank founded in 1918, with an objective to serve the families and their dependents in case of need and contingencies like wedding, medical expenses, debt repayment etc. By fulfilling all its objectives successfully, it has been transformed into a full-fledged urban cooperative bank in 1933. It has marked a commendable growth since then, by providing all the facilities of a modern banking.<b><o:p></o:p></b></span></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify; text-justify: inter-ideograph;">
<span lang="EN-US">Fixed deposits </span><span lang="EN-US">offered by Saraswati cooperative bank marks for one among the highest rate of interest on it. It offers FD interest rate of 10.00% for 15 months for the investment of less than Rs 1 crore.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify; text-justify: inter-ideograph;">
<span lang="EN-US"><br /></span></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<!--[if !supportLists]--><b><span lang="EN-US">22.<span style="font-size: 7pt; font-weight: normal;"> </span></span></b><b><span lang="EN-US"><a href="http://www.svcbank.com/FixedDeposit.aspx" rel="nofollow" target="_blank">Shamrao Vithal CooperativeBank</a>: </span></b><span lang="EN-US">This bank came into existence in 1906, in order to help the unfortunate members of the country at the time of need and to encourage the habit of savings among them. It has crossed number of milestones and now has flourished with almost all types of modern banking products and facilities.<b><o:p></o:p></b></span></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify; text-justify: inter-ideograph;">
<span lang="EN-US">Fixed deposit Interest rate </span><span lang="EN-US">offered by Shamrao Vithal cooperative bank is remarkably high i.e.9.50% for 500 days for investment of less than Rs 1 crore.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify; text-justify: inter-ideograph;">
<span lang="EN-US"><br /></span></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<!--[if !supportLists]--><b><span lang="EN-US">33.<span style="font-size: 7pt; font-weight: normal;"> </span></span></b><b><span lang="EN-US"><a href="http://www.lvbank.com/fixeddeposits.aspx" rel="nofollow" target="_blank">Lakshmi vilas Bank</a>: </span></b><span lang="EN-US">Founded in 1926, Lakshmi vilas Bank Ltd has got the license in 1958 from RBI to work as a commercial bank in the nation. Running over a platform of nearly 362 branches, it has spread its wings in almost all kinds of banking products and services, fostering a tremendous growth and excellence.<b><o:p></o:p></b></span></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify; text-justify: inter-ideograph;">
<b><span lang="EN-US">Fixed deposit interest rates </span></b><span lang="EN-US">offered by Lakshmi vilas Bank denotes Excellency for customer satisfaction and i.e. 9.50% for greater than a year and less than 2 years, for the investment of up to Rs 1 crore.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify; text-justify: inter-ideograph;">
<span lang="EN-US"><br /></span></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<!--[if !supportLists]--><b><span lang="EN-US">44.<span style="font-size: 7pt; font-weight: normal;"> </span></span></b><b><span lang="EN-US"><a href="http://www.southindianbank.com/content/viewContent.aspx?linkIdLvl2=11&linkId=80" rel="nofollow" target="_blank">South Indian Bank</a>: </span></b><span lang="EN-US">With an objective of encouraging safe and secure system of savings and freeing the nation from the blood sucker money lenders, South Indian bank became a scheduled bank in 1946 and since then, crossing all its milestones with Excellency.<b><o:p></o:p></b></span></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify; text-justify: inter-ideograph;">
<span lang="EN-US">Fixed deposit interest rates </span><span lang="EN-US">offered by South Indian Bank is 9.50% for 400 days for the investment of less than Rs 1 crore.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify; text-justify: inter-ideograph;">
<span lang="EN-US"><br /></span></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<!--[if !supportLists]--><b><span lang="EN-US">55.<span style="font-size: 7pt; font-weight: normal;"> </span></span></b><b><span lang="EN-US"><a href="https://www.dcbbank.com/individuals/fixed_deposit/fixed_deposits.html" rel="nofollow" target="_blank">Development credit bank</a>: </span></b><span lang="EN-US">Incorporated in 1930, Development credit bank has expanded a lot in terms of customer base, number of branches, no. of products and services and is successful in delivering state of art facilities to its customers.<b><o:p></o:p></b></span></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify; text-justify: inter-ideograph;">
<span lang="EN-US">Fixed deposit interest rates </span><span lang="EN-US">offered by Development credit bank is 9.40% ranging from 13 months to less than 24 months for the investment of less than Rs 1 crore.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify; text-justify: inter-ideograph;">
<span lang="EN-US"><br /></span></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<!--[if !supportLists]--><b><span lang="EN-US">66.<span style="font-size: 7pt; font-weight: normal;"> </span></span></b><b><span lang="EN-US"><a href="http://www.idbi.com/idbi-bank-Freedom-deposit.asp" rel="nofollow" target="_blank">IDBI</a>: </span></b><span lang="EN-US">IDBI was incorporated in 1964, under the Indian government. It was formed with an objective of providing financial services to the industrial sector and later on expanded its products and services for general public also.<b><o:p></o:p></b></span></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify; text-justify: inter-ideograph;">
<span lang="EN-US">Fixed deposit interest rates </span><span lang="EN-US">offered by IDBI is 9.30% for 500 days for the investment of less than Rs 1 crore.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify; text-justify: inter-ideograph;">
<span lang="EN-US"><br /></span></div>
<div class="MsoListParagraphCxSpLast" style="mso-list: l0 level1 lfo1; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<!--[if !supportLists]--><b><span lang="EN-US">77.<span style="font-size: 7pt; font-weight: normal;"> </span></span></b><b><span lang="EN-US"><a href="https://www.centralbankofindia.co.in/Site/Interest.aspx" rel="nofollow" target="_blank">Central Bank of India</a>: </span></b><span lang="EN-US">It was established in 1911 under Government of India, having a glorious 103 years of history, it has generated a remarkable growth and productivity for Indian Banking sector with new innovations in products and services.<b><o:p></o:p></b></span></div>
<div class="MsoListParagraphCxSpLast" style="mso-list: l0 level1 lfo1; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<span style="text-indent: 0px;"><span lang="EN-US"><b> </b>Fixed deposit interest rates </span></span><span lang="EN-US" style="text-indent: 0px;">offered by Central Bank of India is 9.25% for 555 days for the investment of less than Rs 1 crore.</span><br />
<br /></div>
</div>
Anonymoushttp://www.blogger.com/profile/10917523720254526682noreply@blogger.com0tag:blogger.com,1999:blog-6397071976255579614.post-78848907456671060352014-08-04T23:58:00.000-07:002018-11-15T22:09:10.329-08:00What are the Benefits of Fixed Deposit Policy?<div dir="ltr" style="text-align: left;" trbidi="on">
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "times new roman" , serif; font-size: small;"><span style="line-height: 150%;">A good investment portfolio comprises of a balanced bag of secured and risky investments. Although an investor can invest in capital market instruments for gaining high returns, they are more subject to market risk. For this reason,</span></span> <span style="font-family: "times new roman" , serif; font-size: small;"><span style="line-height: 150%;">fixed deposits offered by financial institutions, like banks, are quite </span></span><span style="font-family: "times new roman" , serif;"><span style="line-height: 24px;">favorable</span></span><span style="font-family: "times new roman" , serif; font-size: small;"><span style="line-height: 150%;"> for investors because of their guaranteed returns.<o:p></o:p></span></span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 150%;">A fixed deposit, or FDs as they are generally known, is a financial instrument wherein the customer deposits his investments for a fixed tenure with the bank and earns a pre-determined rate of interest on it.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgeltVeF6fQ-4JARBR87L-TirBkABJzrYSc9ADN4LUW_RKms6opJMgmAzKaUya7nz5n-zmu7YE2lbqA2-h4OovK-dKSL1Bes3ETGm7tfpV_LQu1jNMItQu1571KIiEfB0QqOgRGSBrHFko/s1600/1287482396_130117244_1-Shares-commodity-Currency-Indirapuram-1287482396.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgeltVeF6fQ-4JARBR87L-TirBkABJzrYSc9ADN4LUW_RKms6opJMgmAzKaUya7nz5n-zmu7YE2lbqA2-h4OovK-dKSL1Bes3ETGm7tfpV_LQu1jNMItQu1571KIiEfB0QqOgRGSBrHFko/s1600/1287482396_130117244_1-Shares-commodity-Currency-Indirapuram-1287482396.jpg" width="320" /></a></div>
<b><br /></b> <b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 150%;">Features of Fixed Deposit<o:p></o:p></span></b></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 150%;">The fixed deposits have the following key features:<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; mso-list: l1 level1 lfo1; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "symbol"; font-size: 12.0pt; line-height: 150%;">·<span style="font-family: "times new roman"; font-size: 7pt; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 150%;"><a href="https://www.bankbazaar.com/fixed-deposit-rate.html">Fixed deposits</a></span><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 150%;"><a href="https://www.bankbazaar.com/fixed-deposit-rate.html"> offer a higher interest rate</a>, which helps the individual save their surplus funds in an effective and secured way. <o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; mso-list: l1 level1 lfo1; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "symbol"; font-size: 12.0pt; line-height: 150%;">·<span style="font-family: "times new roman"; font-size: 7pt; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 150%;">The rate of interest varies as per the period, the amount and the respective bank.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; mso-list: l1 level1 lfo1; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "symbol"; font-size: 12.0pt; line-height: 150%;">·<span style="font-family: "times new roman"; font-size: 7pt; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 150%;">The period of fixed deposit is usually between 15 days to 10 years.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; mso-list: l1 level1 lfo1; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "symbol"; font-size: 12.0pt; line-height: 150%;">·<span style="font-family: "times new roman"; font-size: 7pt; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 150%;">As the name suggests, this is a ‘fixed’ investment which implies that the withdrawal can be done only after the maturity of fixed tenure. Although, in case of an emergency, there is a feature to close the account prior to the maturity date. In such a scenario, the bank deducts 1% as a penalty from interest payable as on that date.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; mso-list: l1 level1 lfo1; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "symbol"; font-size: 12.0pt; line-height: 150%;">·<span style="font-family: "times new roman"; font-size: 7pt; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 150%;">A fixed deposit receipt is given to the depositor, which he needs to produce at the time of maturity. In case the depositor is interested, the same deposit can be renewed further.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 150%;">Benefits of Fixed Deposit<o:p></o:p></span></b></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "times new roman" , serif; font-size: small;"><span style="line-height: 150%;">Bank fixed deposits have been one of the most </span></span><span style="font-family: "times new roman" , serif;"><span style="line-height: 24px;">favored</span></span><span style="font-family: "times new roman" , serif; font-size: small;"><span style="line-height: 150%;"> investment avenues with all age groups in India. Below listed are the advantages of these deposits which make them so popular with investors:<o:p></o:p></span></span></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; mso-list: l0 level1 lfo2; text-align: justify; text-indent: -18.0pt;">
</div>
<ul>
<li><span style="font-family: "symbol"; font-size: 12pt; line-height: 150%; text-indent: -18pt;">·<span style="font-family: "times new roman"; font-size: 7pt; line-height: normal;"> </span></span><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 150%; text-indent: -18pt;">A safe instrument: Fixed deposits from banks are one of the safest instruments to invest as they are regulated by the Reserve Bank of India (RBI) and guaranteed by the Deposit Insurance & Credit Guarantee Scheme of India. This is the major reason why <a href="http://fixeddepositinterestrate.wordpress.com/2014/07/11/what-are-the-best-ways-to-attract-investors-to-company-fixed-deposit/" rel="nofollow" target="_blank">company FDs</a> are not as safe as bank FDs because if the company goes bankrupt, the entire money could be lost as they are not covered under this regulatory body.</span></li>
<li><span style="font-family: "symbol"; font-size: 12pt; line-height: 150%; text-indent: -18pt;">·<span style="font-family: "times new roman"; font-size: 7pt; line-height: normal;"> </span></span><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 150%; text-indent: -18pt;">Fixed deposits offer good liquidity: These deposits help in generating regular income in the form of interests. The depositor can also get loan facility (up to 90% of the principal amount) on these deposits from the bank.</span></li>
<li><span style="font-family: "symbol"; font-size: 12pt; line-height: 150%; text-indent: -18pt;">·<span style="font-family: "times new roman"; font-size: 7pt; line-height: normal;"> </span></span><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 150%; text-indent: -18pt;">Fixed deposits help in the economic development of the country: These deposits indirectly help in the economic development by raising long term funds for banks which they can invest in high return projects. This cycle helps in increasing the overall profitability of the bank.</span></li>
<li><span style="font-family: "symbol"; font-size: 12pt; line-height: 150%; text-indent: -18pt;">·<span style="font-family: "times new roman"; font-size: 7pt; line-height: normal;"> </span></span><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 150%; text-indent: -18pt;">Convenience: Bank fixed deposits offer great comfort and ease to an investor as they can save according to their need and budget. The investments can start from a very small amount of Rs. 100 with no upper limit on the same.</span></li>
</ul>
<!--[if !supportLists]--><br />
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<br /></div>
<br />
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 150%;">Bank fixed deposits have been one of the best traditional strategies to preserve one’s capital among all age groups and profiles. Banks are constantly adding new benefits and schemes to the existing plans to make them more lucrative for customers so that they can use this as a primary source of investment.<o:p></o:p></span><br />
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 150%;"><a href="http://www.bankbazaar.com/fixed-deposit.html" target="_blank">Click Here for More Info</a></span></div>
</div>
Anonymoushttp://www.blogger.com/profile/10917523720254526682noreply@blogger.com0tag:blogger.com,1999:blog-6397071976255579614.post-82215531438619683312014-07-11T04:23:00.001-07:002018-11-15T22:08:17.608-08:00Best Senior Citizen FD Interest Rates<div dir="ltr" style="text-align: left;" trbidi="on">
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhN8XOBwdUnM_NHlKmevU6mZ_FR3LuJTMMaaMIQpNh3IFNjZHJCsCUXTopKfw7ObzyFAmcBRLluzXP_kKu3DJdMmOivNvSDZjN3NpI2OaK1AsLn_VB_k_Rk43Fk3oGdAHvkAKTX54AUKno/s1600/senior+citizens+need.+for+web--621x414.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="Senior Citizen FD Interest Rates" border="0" height="212" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhN8XOBwdUnM_NHlKmevU6mZ_FR3LuJTMMaaMIQpNh3IFNjZHJCsCUXTopKfw7ObzyFAmcBRLluzXP_kKu3DJdMmOivNvSDZjN3NpI2OaK1AsLn_VB_k_Rk43Fk3oGdAHvkAKTX54AUKno/s1600/senior+citizens+need.+for+web--621x414.jpg" title="" width="320" /></a></div>
<div class="MsoNormal" style="background: white; line-height: 13.5pt; margin-bottom: 11.25pt;">
<span style="font-family: "times new roman" , serif; font-size: 12pt;">As a senior citizen with funds at your disposal, you should look for a safe mode of investment. In this case, bank fixed deposits, or what are popularly known as </span><span style="font-family: "times new roman" , serif; font-size: 12pt;">FDs,</span><span style="font-family: "times new roman" , serif; font-size: 12pt;"> are a good and reliable option and attractive too. Most banks will offer senior citizens, a higher rate on fixed deposits than what they pay to other category of investors. <o:p></o:p></span></div>
<div class="MsoNormal" style="background: white; line-height: 13.5pt; margin-bottom: 11.25pt;">
<span style="font-family: "times new roman" , serif; font-size: 12pt;">A<span class="apple-converted-space"> </span>fixed deposit<span class="apple-converted-space"> </span>is a<span class="apple-converted-space"> </span></span><span style="color: black; font-family: "times new roman" , serif; font-size: 12pt;">financial instrument</span><span class="apple-converted-space"><span style="font-family: "times new roman" , serif; font-size: 12pt;"> </span></span><span style="font-family: "times new roman" , serif; font-size: 12pt;">provided by banks which provides investors with a rate of interest, against a fixed maturity period. But in a fixed deposit, the money invested by you cannot be withdrawn without incurring losses, as compared to a<span class="apple-converted-space"> </span></span><a href="http://en.wikipedia.org/wiki/Recurring_deposit" rel="nofollow" title="Recurring deposit"><span style="color: black; font-family: "times new roman" , serif; font-size: 12pt;">recurring deposit</span></a><span class="apple-converted-space"><span style="font-family: "times new roman" , serif; font-size: 12pt;"> </span></span><span style="font-family: "times new roman" , serif; font-size: 12pt;">or a<span class="apple-converted-space"> </span></span><span style="color: black; font-family: "times new roman" , serif; font-size: 12pt;">demand deposit</span><span style="font-family: "times new roman" , serif; font-size: 12pt;">,<span class="apple-converted-space"><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"> </span></span><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;">before maturity. <o:p></o:p></span></span></div>
<div class="MsoNormal" style="background: white; line-height: 13.5pt; margin-bottom: 11.25pt;">
<span style="font-family: "times new roman" , serif; font-size: 12pt;">For banks, senior citizens are prized customers because they have large funds at their disposal and prefer to invest them in fixed deposits. They are considered to be the most active investors in fixed deposits. There is a keen competition among private sector banks to offer the best possible interest rates to senior citizens. But public sector banks are also not behind in this race and have good offers lined up for senior citizens on fixed deposits. They are also advertising their exclusive interest rates on fixed deposits for senior citizens. The longer the tenure of fixed deposits, the higher the interest rates on them. Generally, </span><span style="font-family: "times new roman" , serif; font-size: 12pt;">the tenure of an FD can vary from 7, 15 or 45 days to 3 years and can be as high as 10 years</span><span style="font-family: "times new roman" , serif; font-size: 12pt;"> (for details see the table below).<o:p></o:p></span></div>
<div class="MsoNormal" style="background: white; line-height: 13.5pt; margin-bottom: 11.25pt;">
<span style="font-family: "times new roman" , serif; font-size: 12pt;"><a href="https://www.bankbazaar.com/fixed-deposit/senior-citizen-fixed-deposit.html">Some banks may offer additional services to senior citizen FD holders</a> such as loans against FD certificates at competitive FD interest rates</span></div>
<br />
<div class="MsoNormal" style="background: white; line-height: 13.5pt; margin-bottom: 11.25pt;">
<span style="font-family: "times new roman" , serif; font-size: 12pt;">Significantly, the age limit for the senior citizen category has been lowered from 65 to above 60 years. Thus, banks now have an even bigger number of senior citizen customers, who can invest their bulk money in fixed deposit instrument. And, if the interest rates on these deposits are made even more attractive, there is added reason for senior citizens to invest more and more of their surplus funds in bank fixed deposits. <o:p></o:p></span></div>
<div class="MsoNormal" style="background: white; line-height: 13.5pt; margin-bottom: 11.25pt;">
<br /></div>
<table border="1" cellpadding="0" cellspacing="0" class="MsoTableGrid" style="border-collapse: collapse; border: none; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-padding-alt: 0cm 5.4pt 0cm 5.4pt; mso-yfti-tbllook: 1184;">
<tbody>
<tr>
<td style="border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top"><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: 11.25pt;">
<b><span style="font-family: "times new roman" , serif; font-size: 12pt;">S.No. </span></b><span style="font-family: "times new roman" , serif; font-size: 12pt;"><o:p></o:p></span></div>
</td>
<td style="border-left: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top"><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: 11.25pt;">
<b><span style="font-family: "times new roman" , serif; font-size: 12pt;">Bank </span></b><span style="font-family: "times new roman" , serif; font-size: 12pt;"><o:p></o:p></span></div>
</td>
<td style="border-left: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top"><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: 11.25pt;">
<b><span style="font-family: "times new roman" , serif; font-size: 12pt;">Tenure</span></b><span style="font-family: "times new roman" , serif; font-size: 12pt;"><o:p></o:p></span></div>
</td>
<td style="border-left: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top"><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: 11.25pt;">
<b><span style="font-family: "times new roman" , serif; font-size: 12pt;">Interest</span></b><span style="font-family: "times new roman" , serif; font-size: 12pt;"><o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top"><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: 11.25pt;">
<span style="font-family: "times new roman" , serif; font-size: 12pt;">1<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top"><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: 11.25pt;">
<span style="font-family: "times new roman" , serif; font-size: 12pt;">Yes Bank <o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top"><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: 11.25pt;">
<span style="font-family: "times new roman" , serif; font-size: 12pt;">480 days <o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top"><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: 11.25pt;">
<span style="font-family: "times new roman" , serif; font-size: 12pt;">10.60%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top"><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: 11.25pt;">
<span style="font-family: "times new roman" , serif; font-size: 12pt;">2<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top"><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: 11.25pt;">
<span style="font-family: "times new roman" , serif; font-size: 12pt;">South Indian Bank <o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top"><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: 11.25pt;">
<span style="font-family: "times new roman" , serif; font-size: 12pt;">300 days <o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top"><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: 11.25pt;">
<span style="font-family: "times new roman" , serif; font-size: 12pt;">10.50%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top"><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: 11.25pt;">
<span style="font-family: "times new roman" , serif; font-size: 12pt;">3<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top"><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: 11.25pt;">
<span style="font-family: "times new roman" , serif; font-size: 12pt;">Dhanalaxmi Bank <o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top"><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: 11.25pt;">
<span style="font-family: "times new roman" , serif; font-size: 12pt;">300 days <o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top"><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: 11.25pt;">
<span style="font-family: "times new roman" , serif; font-size: 12pt;">10.50%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top"><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: 11.25pt;">
<span style="font-family: "times new roman" , serif; font-size: 12pt;">4<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top"><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: 11.25pt;">
<span style="font-family: "times new roman" , serif; font-size: 12pt;">City Union Bank<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top"><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: 11.25pt;">
<span style="font-family: "times new roman" , serif; font-size: 12pt;">1 year to less than 2 years <o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top"><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: 11.25pt;">
<span style="font-family: "times new roman" , serif; font-size: 12pt;">10.50%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top"><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: 11.25pt;">
<span style="font-family: "times new roman" , serif; font-size: 12pt;">5<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top"><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: 11.25pt;">
<span style="font-family: "times new roman" , serif; font-size: 12pt;">Tamil Nadu Mercantile Bank <o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top"><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: 11.25pt;">
<span style="font-family: "times new roman" , serif; font-size: 12pt;">1 year to less than 2 years <o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top"><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: 11.25pt;">
<span style="font-family: "times new roman" , serif; font-size: 12pt;">10.50%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top"><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: 11.25pt;">
<span style="font-family: "times new roman" , serif; font-size: 12pt;">6<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top"><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: 11.25pt;">
<span style="font-family: "times new roman" , serif; font-size: 12pt;">Axis Bank <o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top"><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: 11.25pt;">
<span style="font-family: "times new roman" , serif; font-size: 12pt;">1 year to less than 14 months<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top"><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: 11.25pt;">
<span style="font-family: "times new roman" , serif; font-size: 12pt;">10.40%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top"><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: 11.25pt;">
<span style="font-family: "times new roman" , serif; font-size: 12pt;">7<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top"><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: 11.25pt;">
<span style="font-family: "times new roman" , serif; font-size: 12pt;">Indian Bank<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top"><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: 11.25pt;">
<span style="font-family: "times new roman" , serif; font-size: 12pt;">9 months to less than a year<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top"><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: 11.25pt;">
<span style="font-family: "times new roman" , serif; font-size: 12pt;">10.40%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top"><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: 11.25pt;">
<span style="font-family: "times new roman" , serif; font-size: 12pt;">8<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top"><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: 11.25pt;">
<span style="font-family: "times new roman" , serif; font-size: 12pt;">IDBI Bank <o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top"><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: 11.25pt;">
<span style="font-family: "times new roman" , serif; font-size: 12pt;">500 days<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top"><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: 11.25pt;">
<span style="font-family: "times new roman" , serif; font-size: 12pt;">10.25%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top"><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: 11.25pt;">
<span style="font-family: "times new roman" , serif; font-size: 12pt;">9<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top"><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: 11.25pt;">
<span style="font-family: "times new roman" , serif; font-size: 12pt;">Corporation Bank <o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top"><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: 11.25pt;">
<span style="font-family: "times new roman" , serif; font-size: 12pt;">12 months <o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top"><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: 11.25pt;">
<span style="font-family: "times new roman" , serif; font-size: 12pt;">10.25%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top"><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: 11.25pt;">
<span style="font-family: "times new roman" , serif; font-size: 12pt;">10<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top"><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: 11.25pt;">
<span style="font-family: "times new roman" , serif; font-size: 12pt;">KarurVysya Bank <o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top"><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: 11.25pt;">
<span style="font-family: "times new roman" , serif; font-size: 12pt;">1 year to 3 years<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top"><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: 11.25pt;">
<span style="font-family: "times new roman" , serif; font-size: 12pt;">10.25%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top"><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: 11.25pt;">
<span style="font-family: "times new roman" , serif; font-size: 12pt;">11<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top"><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: 11.25pt;">
<span style="font-family: "times new roman" , serif; font-size: 12pt;">Syndicate Bank <o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top"><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: 11.25pt;">
<span style="font-family: "times new roman" , serif; font-size: 12pt;">250 to 364 days<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top"><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: 11.25pt;">
<span style="font-family: "times new roman" , serif; font-size: 12pt;">10.05%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top"><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: 11.25pt;">
<span style="font-family: "times new roman" , serif; font-size: 12pt;">12<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top"><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: 11.25pt;">
<span style="font-family: "times new roman" , serif; font-size: 12pt;">ICICI Bank <o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top"><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: 11.25pt;">
<span style="font-family: "times new roman" , serif; font-size: 12pt;">990 days<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top"><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: 11.25pt;">
<span style="font-family: "times new roman" , serif; font-size: 12pt;">10.00%<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top"><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: 11.25pt;">
<span style="font-family: "times new roman" , serif; font-size: 12pt;">13<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top"><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: 11.25pt;">
<span style="font-family: "times new roman" , serif; font-size: 12pt;">Indian Overseas Bank <o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top"><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: 11.25pt;">
<span style="font-family: "times new roman" , serif; font-size: 12pt;">1 year <o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt;" valign="top"><div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: 11.25pt;">
<span style="font-family: "times new roman" , serif; font-size: 12pt;">10.00%<o:p></o:p></span></div>
</td>
</tr>
</tbody></table>
<div class="MsoNormal" style="background: white; margin-bottom: 0.0001pt;">
<br /></div>
</div>
Anonymoushttp://www.blogger.com/profile/10917523720254526682noreply@blogger.com0tag:blogger.com,1999:blog-6397071976255579614.post-55043305551879620622014-07-07T23:58:00.000-07:002018-11-15T22:07:18.333-08:00What is difference between Cumulative Deposits and Fixed Deposits?<div dir="ltr" style="text-align: left;" trbidi="on">
<div class="MsoNormal">
<span style="font-family: "times new roman" , serif;"><span style="background-color: white; line-height: 18.399999618530273px;">Everyone wants to save something for the rainy day and invests in different instruments to create wealth. Cumulative deposits and fixed deposits are two very dependable as well as attractive modes of investment to ensure accumulated funds at one’s disposal after a certain period.</span></span></div>
<div class="MsoNormal">
<span style="font-family: "times new roman" , serif;"><span style="background-color: white; line-height: 18.399999618530273px;"><br /></span></span></div>
<div class="MsoNormal">
<span style="font-family: "times new roman" , serif;"><span style="background-color: white; line-height: 18.399999618530273px;">Both of these deposits differ in many aspects. Both of them provide you interest at prevailing rates but in fixed deposits (FDs), you may receive interest payable at specified frequency. So, FDs are ideally suited for you if require periodical interest payment. But in cumulative deposits, interest is payable only at the time of maturity along with the principal amount. Depending upon the bank, interest is calculated quarterly or half yearly and added to your principal amount.</span></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "times new roman" , serif;"><span style="background-color: white; line-height: 18.399999618530273px;">In <b>cumulative deposits</b>, you have to invest a specified amount every month into your account and the total amount with interest is paid at the end of the specified period. You get the benefit of receiving both interest and maturity amount at the end of the term. So, if you do not require periodical interest payment, and don’t need the money before maturity period, you may go for cumulative deposits. In other words, cumulative deposit scheme is more profitable if you are looking to multiply your money.</span></span></div>
<div class="MsoNormal">
<span style="font-family: "times new roman" , serif;"><span style="background-color: white; line-height: 18.399999618530273px;"><br /></span></span></div>
<div class="MsoNormal">
<span style="font-family: "times new roman" , serif;"><span style="background-color: white; line-height: 18.399999618530273px;">Cumulative deposits are also refereed as term deposits (recurring deposits) since herein you deposit specified amount every month and get interest +maturity amount at end of the term. You may opt for cumulative deposits when you want to regularly (monthly, quarterly, etc) deposit a fixed amount.</span></span></div>
<div class="MsoNormal">
<span style="font-family: "times new roman" , serif;"><span style="background-color: white; line-height: 18.399999618530273px;">In a fixed deposit, you deposit a given amount for a predetermined period at one go. For your information, apart from banks, a<a href="https://www.bankbazaar.com/fixed-deposit/company-fixed-deposit.html"> number of companies also accept fixed deposits</a>, sometimes termed as debentures. In such fixed deposits, you may avail the option to get all or part of your investment converted into the companies' shares on maturity.</span></span></div>
<div class="MsoNormal">
<span style="font-family: "times new roman" , serif;"><span style="background-color: white; line-height: 18.399999618530273px;"><br /></span></span></div>
<div class="MsoNormal">
<span style="font-family: "times new roman" , serif;"><span style="background-color: white; line-height: 18.399999618530273px;">Cumulative deposit is equivalent to recurring deposit where you have the flexibility of saving whatever amount you wish at any time, and the rate of interest payable to you will remain unaffected. Under such bank account, you are required to deposit in the multiples of Rs 5 or Rs 10. The tenure of this deposit may vary from 1 to 5 years with the rate of interest depending on the particular period. Recurring or cumulative deposit is better than savings bank account as you get higher rate of interest in the former, in fact it is as beneficial as a fixed deposit account. Many banks offer such deposit accounts to promote the habit of saving among people. ICICI Bank offers one such product called iWish to investors looking for flexible investment amount every month.</span></span></div>
<div class="MsoNormal">
<span style="font-family: "times new roman" , serif;"><span style="background-color: white; line-height: 18.399999618530273px;"><br /></span></span></div>
<div class="MsoNormal">
<span style="font-family: "times new roman" , serif;"><span style="background-color: white; line-height: 18.399999618530273px;">So, now you know the comparative benefits of both cumulative deposits and fixed deposits. You can decide to go for either of them as per your need. You may do well to approach some branch of the bank near your place of residence to know the options of both cumulative deposits and fixed deposits and their respective terms and conditions.</span></span></div>
</div>
Anonymoushttp://www.blogger.com/profile/10917523720254526682noreply@blogger.com0tag:blogger.com,1999:blog-6397071976255579614.post-51427683000554276492014-07-03T03:36:00.002-07:002018-12-16T23:01:26.822-08:00How Axis Bank FD Rates is better than other bank's Fixed Deposit<div dir="ltr" style="text-align: left;" trbidi="on">
<div class="MsoNormal">
<span style="font-family: "times new roman" , serif; font-size: 14pt; line-height: 107%;">Axis Bank is a leading banking institution. It offers a wide range of fixed deposit schemes for different durations with several advantages over fixed deposits of other banks:<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "times new roman" , serif; font-size: 14pt; line-height: 107%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "times new roman" , serif; font-size: 14pt; line-height: 107%;">Axis offers simple reinvestment fixed deposits at competitive interest rate which can go as high as 8.5 or 9 per cent depending upon the tenure of the deposit (See the table below). This rate is 0.27 per cent higher than the average 8.73 offered by other banks. It is just 0.36 per cent lower than the highest rate.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "times new roman" , serif; font-size: 14pt; line-height: 107%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "times new roman" , serif; font-size: 14pt; line-height: 107%;">These deposits can be opened with a minimum investment of Rs 10,000. Thereafter, you can make additions to your deposit in multiples of Re 1. If you do not want to lock your money for a long duration, you can choose as low as six months or even less as the tenure of your fixed term deposit.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "times new roman" , serif; font-size: 14pt; line-height: 107%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "times new roman" , serif;"><span style="font-size: 19px; line-height: 19.97333335876465px;">Axis Bank FD Rates</span></span><span style="font-family: "times new roman" , serif; font-size: 14pt; line-height: 107%;"> on term deposits with maturity is in between 14-29 days at 8 per cent, while in case of 7-14 days the interest rate is 7.5 per cent on bulk deposits above Rs 1 crore.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "times new roman" , serif; font-size: 14pt; line-height: 107%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "times new roman" , serif; font-size: 14pt; line-height: 107%;">Axis Bank also has a very customer-friendly method of calculation of interest on your fixed deposits. It calculates interest on a quarterly basis on fixed deposits with tenure of six months& above.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "times new roman" , serif; font-size: 14pt; line-height: 107%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "times new roman" , serif; font-size: 14pt; line-height: 107%;">As a Fixed Deposit holder, you can opt for automatic rollovers on maturity (for both the principal and interest). You can select this option in the Account Opening Document (AOD). <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "times new roman" , serif; font-size: 14pt; line-height: 107%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "times new roman" , serif; font-size: 14pt; line-height: 107%;">Under the ‘Rollover only Principal’ option, only the principal amount of your fixed deposit is rolled over. The interest is either credited to your designated account or paid out. Under the ‘Rollover Principal and Interest accrued in Reinvestment Deposit scheme’, you get both the deposit and the interest accrued for the same tenure at the interest rates applicable on the maturity date.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "times new roman" , serif; font-size: 14pt; line-height: 107%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "times new roman" , serif; font-size: 14pt; line-height: 107%;">You have the flexibility to choose periodic interest payments on a quarterly basis, wherein interested is calculated and paid on quarterly rests. You also have the option of premature withdrawal of your deposit any time you wish, you will get interest payment for the period for which the deposit is maintained with the bank at the rate applicable for such period.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "times new roman" , serif; font-size: 14pt; line-height: 107%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "times new roman" , serif; font-size: 14pt; line-height: 107%;">But the interest payment on your fixed deposit is subject to tax deducted at source (TDS) as per the provisions of the <span id="goog_1587065238"></span>Income Tax Act<span id="goog_1587065239"></span>. TDS is deducted on the basis of the total interest projected on the aggregate of fixed deposits of the customer, for the financial year.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "times new roman" , serif; font-size: 14pt; line-height: 107%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "times new roman" , serif; font-size: 14pt; line-height: 107%;">There is no premature withdrawal penalty on NRE Term Deposits too.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "times new roman" , serif; font-size: 14pt; line-height: 107%;">As for other advantages, the interest that you earn on Axis Bank fixed deposit during the previous quarter is added to the principal for calculation of interest. In other words, fixed deposit interest rate on this aggregate amount is calculated every quarter. If the tenure of your fixed deposit schemes is below 6 months, it earns simple interest. <o:p></o:p></span></div>
<br />
<div class="MsoNormal">
<span style="font-family: "times new roman" , serif; font-size: 14pt; line-height: 107%;">Given the above advantages, it seems fixed deposits offered by Axis Bank is a better option than that offered by most other banks. For one year fixed deposit Axis Bank offers 9% returns and for 6 months, the interest is 8.75%<o:p></o:p></span></div>
</div>
Anonymoushttp://www.blogger.com/profile/10917523720254526682noreply@blogger.com0tag:blogger.com,1999:blog-6397071976255579614.post-76174491221614571772014-06-19T21:39:00.000-07:002018-11-15T22:05:18.043-08:00Things to Consider Before Investing in Fixed Deposits<div dir="ltr" style="text-align: left;" trbidi="on">
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 115%;">Fixed deposits have traditionally been one of the most popular investment options because they guarantee you good returns. Moreover, you are also able to ensure that your savings are safe throughout the tenure of these deposits. The interest rate on these deposits is also a lot higher than your regular savings accounts. <a href="https://www.bankbazaar.com/fixed-deposit/fd-calculator.html">You can use the FD Calculator to know more about the interest you are going to get on the deposit</a> from a particular bank. It helps you make a wise decision when you have to choose between fixed deposit options from several banks.</span><o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 115%;">But the interest you get cannot be the only factor you bear in mind when investing in fixed deposits. There are several considerations that have to be taken into account to ensure that you get the most out of this stable and lucrative investment option. </span><o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="separator" style="clear: both; text-align: center;">
</div>
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgv-PpKXHcztAUjqrgJUYK0wsZHwJxp9fAWSLhynFZ4Ies1kw8nTFFm_Hl6mSD7Mtsl8TDOvbZ_krcwzLxCoXKcM_s8ZQ4LpRUQCG1NcCgk7__piCgVYWoUSB-IwaFPB3D_SKUT7b0T5NY/s1600/3367-1-fixed-deposit-interest-calculator.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgv-PpKXHcztAUjqrgJUYK0wsZHwJxp9fAWSLhynFZ4Ies1kw8nTFFm_Hl6mSD7Mtsl8TDOvbZ_krcwzLxCoXKcM_s8ZQ4LpRUQCG1NcCgk7__piCgVYWoUSB-IwaFPB3D_SKUT7b0T5NY/s1600/3367-1-fixed-deposit-interest-calculator.jpg" width="320" /></a></div>
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal" style="margin-left: 36.0pt; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -17.95pt;">
<!--[if !supportLists]--><span style="font-family: "arial" , "sans-serif"; mso-fareast-font-family: Arial;">●<span style="font-family: "times new roman"; font-size: 7pt;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 115%;">You have to realize fixed deposits up to Rs. 1 lakh are backed by deposit insurance. Hence it’s a good idea to have a few FDs with principal up to Rs. 1 lakh rather than have a lump sum amount into one FD.</span><o:p></o:p></div>
<div class="MsoNormal" style="margin-left: 36.0pt; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -17.95pt;">
<!--[if !supportLists]--><span style="font-family: "arial" , "sans-serif"; mso-fareast-font-family: Arial;">●<span style="font-family: "times new roman"; font-size: 7pt;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 115%;">One worry many investors have is that they might lock their investments on what could be lower interest rates for long durations. To combat that, you can firstly use the FD Calculator to make sure you are making the best possible choice. You can then divide your investments into smaller amounts that can be invested in FDs of varying tenures. </span><o:p></o:p></div>
<div class="MsoNormal" style="margin-left: 36.0pt; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -17.95pt;">
<!--[if !supportLists]--><span style="font-family: "arial" , "sans-serif"; mso-fareast-font-family: Arial;">●<span style="font-family: "times new roman"; font-size: 7pt;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 115%;">When you lock in an FD you are better off choosing one that compounds the interest in a shorter time span. Usually quarterly compounding interest FDs should be given precedence.</span><o:p></o:p></div>
<div class="MsoNormal" style="margin-left: 36.0pt; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -17.95pt;">
<!--[if !supportLists]--><span style="font-family: "arial" , "sans-serif"; mso-fareast-font-family: Arial;">●<span style="font-family: "times new roman"; font-size: 7pt;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 115%;">It’s also important to remember that senior citizens get slightly higher interest rates on FDs for the same amount of time.</span><o:p></o:p></div>
<div class="MsoNormal" style="margin-left: 36.0pt; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -17.95pt;">
<!--[if !supportLists]--><span style="font-family: "arial" , "sans-serif"; mso-fareast-font-family: Arial;">●<span style="font-family: "times new roman"; font-size: 7pt;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 115%;">There are many different financial institutions and cooperative societies that offer fixed deposit schemes along with reputed banks in the country. It makes it imperative to know more about the organization you are going to invest in and its credibility, as well. It will ensure that you are making a safe and sound investment decision with your hard earned money.</span><o:p></o:p></div>
<div class="MsoNormal" style="margin-left: 36.0pt; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -17.95pt;">
<!--[if !supportLists]--><span style="font-family: "arial" , "sans-serif"; mso-fareast-font-family: Arial;">●<span style="font-family: "times new roman"; font-size: 7pt;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 115%;">FD Calculator is a smart, simple and convenient option for you to pick the best fixed deposit option available in the market today. Choosing between hundreds of fixed deposit schemes from various banks and financial institutions can seem daunting. That’s the reason several consumers opt for the first fixed deposit option that comes their way. It can be a decision that costs you dearly, especially since there’s no reason for it when you have these calculators to rely on. </span><o:p></o:p></div>
<div class="MsoNormal" style="margin-left: 36.0pt; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -17.95pt;">
<!--[if !supportLists]--><span style="font-family: "arial" , "sans-serif"; mso-fareast-font-family: Arial;">●<span style="font-family: "times new roman"; font-size: 7pt;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 115%;">There are fixed deposit options that can bring you tax saving benefits at the end of the year. Deposits of up to Rs. 1 lakh kept for a period of over five years can bring you substantial tax saving benefits. Hence if that’s one of the aims behind your investments then it makes sense to opt for these FDs.</span><o:p></o:p></div>
<div class="MsoNormal" style="margin-left: 36.0pt; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -17.95pt;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<br />
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 115%;">FD Calculator can give you a fair idea about interest rates, but there are few other factors that you have to think about when <a href="http://www.investing.com/" rel="nofollow" target="_blank">investing</a> in FDs.</span><o:p></o:p></div>
</div>
Anonymoushttp://www.blogger.com/profile/10917523720254526682noreply@blogger.com1tag:blogger.com,1999:blog-6397071976255579614.post-54220186762933391882014-06-13T03:08:00.004-07:002018-11-15T22:04:33.925-08:00Best fixed deposit schemes from SBI<div dir="ltr" style="text-align: left;" trbidi="on">
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "arial unicode ms" , "sans-serif"; font-size: 12.0pt; line-height: 115%;">Most people do not venture into FDs because of the fear that when they have a sudden need for money, they may not be able to access it due to the rigidness of the scheme. Many banks now consider these aspects and design fixed deposit product that addresses all your concerns. When banking is moving to highly customer friendly ground, never let your money just sit in a savings account that offers very less interest. Let’s see here how the Fixed Deposit schemes offered by State Bank of India can help you in achieving your financial goals.<o:p></o:p></span></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "arial unicode ms" , "sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhRy1X86kR_Di3SpssbpOPQOO1gioFxAxAoxQwxZPcIgdqYackK4T_6ZcdB3DZLx5nZb6YzqkxglLaTgbGVOrYAqrORDom-diOAgiDfnIp3FvlklkZtazCdZEWPs9e8immsCfKpPfyNI0A/s1600/fixed-deposit.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="79" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhRy1X86kR_Di3SpssbpOPQOO1gioFxAxAoxQwxZPcIgdqYackK4T_6ZcdB3DZLx5nZb6YzqkxglLaTgbGVOrYAqrORDom-diOAgiDfnIp3FvlklkZtazCdZEWPs9e8immsCfKpPfyNI0A/s1600/fixed-deposit.jpg" width="320" /></a></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "arial unicode ms" , "sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "arial unicode ms" , "sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<b><span lang="EN-US" style="font-family: "arial unicode ms" , "sans-serif"; font-size: 12.0pt; line-height: 115%;"><a href="http://www.sbi.co.in/" rel="nofollow">About SBI<o:p></o:p></a></span></b></div>
<div class="MsoNormal">
<b><span lang="EN-US" style="font-family: "arial unicode ms" , "sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></b></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "arial unicode ms" , "sans-serif"; font-size: 12.0pt; line-height: 115%;">State Bank of India is the largest financial institution in India. It is a government-owned corporation and a multinational financial institution, which has become synonymous with the word ‘trust’. For any Indian, SBI would be a name that comes first to mind whenever he thinks of investment options. <o:p></o:p></span></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "arial unicode ms" , "sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="separator" style="clear: both; text-align: center;">
<iframe allowfullscreen='allowfullscreen' webkitallowfullscreen='webkitallowfullscreen' mozallowfullscreen='mozallowfullscreen' width='320' height='266' src='https://www.youtube.com/embed/DYMi0vJx57Y?feature=player_embedded' frameborder='0'></iframe></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "arial unicode ms" , "sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "arial unicode ms" , "sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<b><span lang="EN-US" style="font-family: "arial unicode ms" , "sans-serif"; font-size: 12.0pt; line-height: 115%;">How Fixed Deposit Schemes of SBI helps you?<o:p></o:p></span></b></div>
<div class="MsoNormal">
<b><span lang="EN-US" style="font-family: "arial unicode ms" , "sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></b></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "arial unicode ms" , "sans-serif"; font-size: 12.0pt; line-height: 115%;">There are several types of fixed deposit schemes offered by SBI. <a href="https://www.bankbazaar.com/fixed-deposit/sbi-fixed-deposit-rate.html">In Case of SBI FD Rates, Each one has its own features in terms of interest rates</a> and returns. Read More<o:p></o:p></span></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "arial unicode ms" , "sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "arial unicode ms" , "sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<b><span lang="EN-US" style="font-family: "arial unicode ms" , "sans-serif"; font-size: 12.0pt; line-height: 115%;">For Parents <o:p></o:p></span></b></div>
<div class="MsoNormal">
<b><span lang="EN-US" style="font-family: "arial unicode ms" , "sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></b></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "arial unicode ms" , "sans-serif"; font-size: 12.0pt; line-height: 115%;">If you want to save for the future of your children, a fixed deposit can be the ideal kind of investment. SBI offers junior savings plan that are built to suit exactly the needs of parents. You will not have to worry about education funds once your child grows up. You can keep adding to the deposited amount through roll over facilities. As you keep adding to the deposit amount the rate of interest also increases considerably. You can further link the interest earned from the FD to a savings account. The interest earnings can take care of your additional expenditure or become another savings option for your child.<o:p></o:p></span></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "arial unicode ms" , "sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "arial unicode ms" , "sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<b><span lang="EN-US" style="font-family: "arial unicode ms" , "sans-serif"; font-size: 12.0pt; line-height: 115%;">For the Retired Community<o:p></o:p></span></b></div>
<div class="MsoNormal">
<b><span lang="EN-US" style="font-family: "arial unicode ms" , "sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></b></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "arial unicode ms" , sans-serif; font-size: 12pt; line-height: 115%;">Fixed Deposit</span><span lang="EN-US" style="font-family: "arial unicode ms" , "sans-serif"; font-size: 12.0pt; line-height: 115%;"> is a great way to plan your retirement. If you plan smartly and put away a certain amount of money throughout your employment years it will come in handy during retirement. If you do not work for a company that gives pension, investing in Fixed Deposit is an ideal retirement plan. By the time you retire the money that you have saved as Fixed Deposit will earn enough interest to take care of your monthly expenditure. You can spend the rest of your retired life with peace of mind with the monthly interest gaining from your FD. <o:p></o:p></span></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "arial unicode ms" , "sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "arial unicode ms" , "sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<b><span lang="EN-US" style="font-family: "arial unicode ms" , "sans-serif"; font-size: 12.0pt; line-height: 115%;">Middle aged Professionals<o:p></o:p></span></b></div>
<div class="MsoNormal">
<b><span lang="EN-US" style="font-family: "arial unicode ms" , "sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></b></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "arial unicode ms" , "sans-serif"; font-size: 12.0pt; line-height: 115%;">Professionals can take advantage of both short term and long term Fixed Deposit schemes offered by SBI. Investing in FD not only offers you higher returns, but helps you for your long term and short term financial goals like purchase of property, children’s education and marriage.<o:p></o:p></span></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "arial unicode ms" , "sans-serif"; font-size: 12.0pt; line-height: 115%;">The best way to maximize the benefits of FD is to choose a longer tenure. Also one should allow the interest to be accumulated in their account, which is a sure shot way of increasing your savings systematically. <o:p></o:p></span></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "arial unicode ms" , "sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "arial unicode ms" , "sans-serif"; font-size: 12.0pt; line-height: 115%;"><b>Fixed Deposit schemes offered by SBI</b><o:p></o:p></span></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "arial unicode ms" , "sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<table border="1" cellpadding="0" cellspacing="0" class="MsoTableGrid" style="border-collapse: collapse; border: none; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 0cm 5.4pt 0cm 5.4pt; mso-yfti-tbllook: 1184;">
<tbody>
<tr>
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 159.6pt;" valign="top" width="213"><div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<b><span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt;">Tenure<o:p></o:p></span></b></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 159.6pt;" valign="top" width="213"><div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<b><span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt;">General Interest Rates (w.e.f. 18.02.2014) <o:p></o:p></span></b></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 159.6pt;" valign="top" width="213"><div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<b><span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt;">Interest Rate for Senior Citizens (w.e.f. 18.02.2014)<o:p></o:p></span></b></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 159.6pt;" valign="top" width="213"><div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt;">7 days to 90 days<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 159.6pt;" valign="top" width="213"><div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt;">7.5<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 159.6pt;" valign="top" width="213"><div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt;">7.5<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 159.6pt;" valign="top" width="213"><div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt;">91 days to 179 days<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 159.6pt;" valign="top" width="213"><div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt;">7.5<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 159.6pt;" valign="top" width="213"><div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt;">7.5<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 159.6pt;" valign="top" width="213"><div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt;">180 days to 210 days<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 159.6pt;" valign="top" width="213"><div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt;">7.0<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 159.6pt;" valign="top" width="213"><div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt;">7.0<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 159.6pt;" valign="top" width="213"><div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt;">211 days to less than 1 year<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 159.6pt;" valign="top" width="213"><div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt;">7.5<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 159.6pt;" valign="top" width="213"><div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt;">7.5<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 159.6pt;" valign="top" width="213"><div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt;">1 year to less than 2 years<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 159.6pt;" valign="top" width="213"><div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt;">9.0<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 159.6pt;" valign="top" width="213"><div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt;">9.25<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 159.6pt;" valign="top" width="213"><div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt;">2 years to less than 3 years<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 159.6pt;" valign="top" width="213"><div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt;">9.0<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 159.6pt;" valign="top" width="213"><div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt;">9.25<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 159.6pt;" valign="top" width="213"><div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt;">3 years to less than 5 years<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 159.6pt;" valign="top" width="213"><div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt;">8.75<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 159.6pt;" valign="top" width="213"><div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt;">9.0<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 159.6pt;" valign="top" width="213"><div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt;">5 years and up to 10 years<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 159.6pt;" valign="top" width="213"><div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt;">8.50<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 159.6pt;" valign="top" width="213"><div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt;">8.75<o:p></o:p></span></div>
</td>
</tr>
</tbody></table>
<div class="MsoNormal">
<br /></div>
<br />
<div class="MsoNormal">
<span lang="EN-US"><span style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;">BankBazaar.com</span></span><span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;"> is the best platform to understand the FD schemes offered by SBI and the various benefits associated with it.</span></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
</div>
Anonymoushttp://www.blogger.com/profile/10917523720254526682noreply@blogger.com0tag:blogger.com,1999:blog-6397071976255579614.post-71850869374566003102014-06-11T00:34:00.003-07:002018-11-15T22:02:15.182-08:00Top Banks offering loan against FD<div dir="ltr" style="text-align: left;" trbidi="on">
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;">One of the biggest advantages of investing
in bank fixed deposit accounts is the easy availability of loans against fixed deposits. Unlike a lot of other investment
options that need to be nullified when faced with a financial crunch, fixed deposits allow users to avail
quick loans as high as 90% of their fixed
deposit value. This not only increases the liquidity offering of the investment
but also makes sure that the investment remains untouched and continues to
compile interest for the loan tenure. Loans
against fixed deposit accounts are structured similar to bank overdrafts
although different banks have different rules for offering loans against fixed
deposits.<o:p></o:p></span></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhLMdWUoplijlz4khFuNdLPfQYQ91rm7NPamuCBrHnziaIHc6Ov8vNZRrKotRLAv4wXL3GrSAqvScYxuhquccHpdzbqU7Cc7gtemFYbONPu0f_ThxFQMRJE9ZS264S2Tlg6CRu5ThD3zLQ/s1600/Bank_fixed_deposits.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Loan against Fixed Deposit" border="0" height="308" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhLMdWUoplijlz4khFuNdLPfQYQ91rm7NPamuCBrHnziaIHc6Ov8vNZRrKotRLAv4wXL3GrSAqvScYxuhquccHpdzbqU7Cc7gtemFYbONPu0f_ThxFQMRJE9ZS264S2Tlg6CRu5ThD3zLQ/s1600/Bank_fixed_deposits.jpg" title="Loan against Fixed Deposit" width="320" /></a></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;"><b>Overview
of Loan against Fixed Deposits: </b><o:p></o:p></span></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;">Almost all private and public sector banks
offer users the <a href="https://www.bankbazaar.com/fixed-deposit/loan-against-fixed-deposit.html">options to avail loan facility against their fixed deposit investments</a>. The banks
however have fixed certain minimum period for fixed deposit investments to be in place before loan requests can
be facilitated. The period of minimum investment varies from bank to bank and
the bank is the final decision making authority in case of any requests from
the fixed deposit account holders. For example some banks like HDFC bank
usually offers loans only after a minimum six month period from the date of
opening the fixed deposit account. Public sector banks like State Bank of India
or Punjab National Bank or PNB however do not have any such restrictions and
loans against fixed deposits can be requested the very next day.<o:p></o:p></span></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;">Depending on the account type of the fixed deposit, loan facility is
available for against all deposits including NRE / NRO / FCNR while still
retaining ownership. However once a loan is sanctioned against a fixed deposit
account, deposits cannot be prematurely withdrawn. For NRE and NRO fixed deposit accounts, 90% of the deposit amount is
eligible as loan or overdraft limit.
In case of an FCNR fixed deposit
account, 70% of the deposit amount is available as loan. The Bank is the
final authority on deciding the quantum of the loan for any fixed deposit
account.<o:p></o:p></span></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;"><b>Interest
Rate and Loan Processing Fee: </b><o:p></o:p></span></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;">Interest
rate for loans against fixed deposits
is usually 2 to 3% higher than the interest rate being offered for the
underlying fixed deposit. For example if an individual has a fixed deposit of
Rs. 1 Lakh earning a rate of interest
of 9% per annum and taken a loan against
the fixed deposit she or she will have to repay an interest rate of 11 to
11.5% which is 2 to 2.5% higher than the interest received through the fixed
deposit. Most banks do not charge any
processing fee while offering loans on fixed deposits. This is mainly because
of secured nature of the loan. Some banks on the other hand have a policy of
charging a small loan processing fee for every fixed deposit loan request. It
is recommended to check with your bank about any such fee before opening a fixed
deposit account. There is however no foreclosure fee or any extra charges in
case a user decides to pay back the loan before its tenure or foreclose the
loan. </span></div>
Anonymoushttp://www.blogger.com/profile/10917523720254526682noreply@blogger.com0tag:blogger.com,1999:blog-6397071976255579614.post-25607833388848164422014-06-10T00:54:00.000-07:002018-11-15T22:13:10.907-08:00Different Types of interest rate in Fixed Deposits<div dir="ltr" style="text-align: left;" trbidi="on">
<div class="MsoNormal" style="text-align: justify;">
One of the most rampant types of investment in India is the Fixed Deposit. It enables one to invest his/her funds for a stipulated period of time with a financial institution at a particular rate of interest. FDs can be of 2 types –<o:p></o:p></div>
<div class="MsoNormal" style="margin-left: 36.0pt; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -17.95pt;">
<!--[if !supportLists]--><span style="font-family: "arial" , "sans-serif"; mso-fareast-font-family: Arial;">●<span style="font-family: "times new roman"; font-size: 7pt;"> </span></span><!--[endif]-->Issued by a bank or a NBFC that is regulated by the Reserve Bank of India<o:p></o:p></div>
<div class="MsoNormal" style="margin-left: 36.0pt; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -17.95pt;">
<!--[if !supportLists]--><span style="font-family: "arial" , "sans-serif"; mso-fareast-font-family: Arial;">●<span style="font-family: "times new roman"; font-size: 7pt;"> </span></span><!--[endif]-->Issued by a Corporate looking to raise funds from the ‘open’ market<o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
While there are variations in the rates of interests paid against FDs issued by banks and corporates, the latter usually pay a superior rate due to the fact that they carry more risk as compared to bank FDs, and they lack the aspect of easy liquidity generally implied in the former.<o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhutRg9PkP_p_Ve5TI3bmaH26eZXMY5ARzSjumZ2WFbDd4kBcedqUZZvFTzgnFm919sup-Ba7MfwMEoy98LGNKS6nshENPw_Hh8IH45YpMZXlr82Byj3WWb8k-Kx3zCdw6aiEqTQ0xaA1o/s1600/fixed_deposit.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="fd interest calculator" border="0" height="98" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhutRg9PkP_p_Ve5TI3bmaH26eZXMY5ARzSjumZ2WFbDd4kBcedqUZZvFTzgnFm919sup-Ba7MfwMEoy98LGNKS6nshENPw_Hh8IH45YpMZXlr82Byj3WWb8k-Kx3zCdw6aiEqTQ0xaA1o/s1600/fixed_deposit.jpg" title="fd interest calculator" width="400" /></a></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<i><u>Types of interest rates for FDs</u></i><o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
At the base level, FD interest rates can either be ‘Fixed’ or ‘Floating’.<o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<i>Fixed Rate FDs</i><o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<i><br /></i></div>
<div class="MsoNormal" style="text-align: justify;">
As understandable, fixed-rate FDs are offered at a fixed rate of interest for a specific deposit period. The investor can hereby look forward to get a definite and assured return as per the contracted rate after the tenure expires, no matter where the base rate in the market stands. The product is safe, guaranteed and built to generate a regular income within the deposit tenure.<o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<i>Floating Rate FDs</i><o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<i><br /></i></div>
<div class="MsoNormal" style="text-align: justify;">
Floating rate FDs are offered at a variable rate of interest for a term. SBI for instance has it on offer. A floating rate deposit, however, comes without a guarantee of sure return as the interest rate is liable to change with a change in the BR or the base rate of the bank. Hence, it is an option which should be picked only if the investor is ready to receive flexible returns. If the base rate increases the investor will gain but if it falls, he/she might wind up losing much more than a fixed-rate investment.<o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
At higher level FD interest rates depend on the following factors –<o:p></o:p></div>
<div class="MsoNormal" style="margin-left: 36.0pt; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -17.95pt;">
<!--[if !supportLists]--><span style="font-family: "arial" , "sans-serif"; mso-fareast-font-family: Arial;">●<span style="font-family: "times new roman"; font-size: 7pt;"> </span></span><!--[endif]-->Deposit period <o:p></o:p></div>
<div class="MsoNormal" style="margin-left: 36.0pt; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -17.95pt;">
<!--[if !supportLists]--><span style="font-family: "arial" , "sans-serif"; mso-fareast-font-family: Arial;">●<span style="font-family: "times new roman"; font-size: 7pt;"> </span></span><!--[endif]-->Institution type<o:p></o:p></div>
<div class="MsoNormal" style="margin-left: 36.0pt; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -17.95pt;">
<!--[if !supportLists]--><span style="font-family: "arial" , "sans-serif"; mso-fareast-font-family: Arial;">●<span style="font-family: "times new roman"; font-size: 7pt;"> </span></span><!--[endif]-->Deposit amount<o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
Most <a href="http://www.bankbazaar.com/finance-tools/compound-interest-calculator.html">financial institutions offering FDs have an FD interest calculator</a> included in their websites whereby interest to be earned on the deposit money can be calculated easily. Some institutions might refer to the same as ‘Term deposit calculator’ as FDs are also popularly known as Term Deposits.<o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
Depending on the tenure of the FD made, interest rates can be calculated –<o:p></o:p></div>
<div class="MsoNormal" style="margin-left: 36.0pt; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -17.95pt;">
<!--[if !supportLists]--><span style="font-family: "arial" , "sans-serif"; mso-fareast-font-family: Arial;">●<span style="font-family: "times new roman"; font-size: 7pt;"> </span></span><!--[endif]-->On quarterly basis (banks in India employ quarterly compounding for calculating interest in Rupees) <o:p></o:p></div>
<div class="MsoNormal" style="margin-left: 36.0pt; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -17.95pt;">
<!--[if !supportLists]--><span style="font-family: "arial" , "sans-serif"; mso-fareast-font-family: Arial;">●<span style="font-family: "times new roman"; font-size: 7pt;"> </span></span><!--[endif]-->@ simple interest (mostly seen in FDs that are made for below 6 months)<o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
In instances of premature encashment, the FD interest rate is computed as per the rate that is applicable for actual deposit period, and a penalty may/may not be levied, depending on the institution’s policy. <o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 115%;">It’s important to remember that at certain times when the economic scenario of the country reels under high inflation, <a href="http://www.rbi.org.in/" target="_blank">RBI</a> has the freedom to take up a stringent monetary policy whereby it can enhance its repo rates, that is, its lending rate for banks. In line of that, banks can also hike their loan rates and FD interest rates, both. At these times, FDs are the most lucrative form of investment with high-return and no-risk assured in them.</span></div>
Anonymoushttp://www.blogger.com/profile/10917523720254526682noreply@blogger.com0tag:blogger.com,1999:blog-6397071976255579614.post-11255389388126801662014-06-09T01:07:00.000-07:002018-11-15T22:13:57.022-08:00Compare Fixed Deposit Interest Rate Using FD Calculator for Smart Decisions<div dir="ltr" style="text-align: left;" trbidi="on">
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 115%;">Fixed deposits are a popular option when it comes to people’s savings in the country. That’s because banks tend to offer a much higher interest rate on these deposits than your regular savings or current accounts. That’s why you can ensure that your savings grow substantially within a stipulated period of time. The tenure of the fixed deposits can vary, and you can pick the option that’s suited to your requirements. But you have to understand that withdrawing your savings before the maturity period can involve penalties, which you should try and avoid.</span><o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 115%;">Practically all major banks in the country offer fixed deposit options for their customers. However, they can vary to a great extent, which is why certain factors have to be taken into consideration before opting for them. Fixed deposit interest rate is the primary criterion that most consumers think about right at the onset and with good reason too. It will determine the amount you get after the maturity of your fixed term deposit. If you want to make a smart choice amongst various options available to you in the market then <a href="http://www.bankbazaar.com/fixed-deposit/hdfc-fixed-deposit-rate.html">you can make the most out of the convenience offered by FD Calculator</a>.</span><o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal" style="text-align: justify;">
<b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 115%;">What does the calculator do for you</span></b><o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 115%;">FD Calculator is a tool offered to you so that you can find out the interest you can earn on your fixed deposit at the end of the tenure. Most banks offer quarterly compounding interest, which can be otherwise tricky to calculate. But with the help of this calculator you can handle the task easily and make sure you are on top of things. Compounding of interest is done on monthly, quarterly, half yearly or yearly basis and once you have taken that into account, you can arrive at the value of your investment on maturity.</span><o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal" style="text-align: justify;">
<b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 115%;">Compare different products in the market</span></b><o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 115%;">As mentioned earlier, practically all the major banks in the country offer fixed deposit schemes for their consumers. Not only are there different tenures for these deposit options, they have corresponding interest rates attached to them, as well. Choosing the right fixed deposit as an investment option for you can be a task, which is simplified with the help of an FD Calculator. Now you have the option of looking at offers from top banks like HDFC, AXIS, ICICI and more, compare the interest rates and make a sensible financial decision.</span><o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal" style="text-align: justify;">
<b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 115%;">A convenient option right at your fingertips</span></b><o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 115%;">The good thing about these interest rate calculators is that you can easily find them online, and they are accessible to you at any time. Using them is quite simple, and you don’t have to have any kind of financial expertise to calculate or compare interest rates on fixed deposits. You can get the job done within hardly any time and thus you can make your investments at the earliest so that you can get optimum benefits out of them. Importantly you will get much needed peace of mind knowing you have made the right decision too.</span><o:p></o:p></div>
<br />
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 115%;">FD Calculator helps you compare interest rates on fixed deposits so that you can opt for the best deal possible. </span><o:p></o:p></div>
</div>
Anonymoushttp://www.blogger.com/profile/10917523720254526682noreply@blogger.com0tag:blogger.com,1999:blog-6397071976255579614.post-45515807773182758282014-06-05T04:25:00.003-07:002018-11-15T22:14:27.443-08:00All About SBI FD Rates<div dir="ltr" style="text-align: left;" trbidi="on">
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;">State Bank of India is by far the most popular bank used by all sections of society in urban as well as rural India. State Bank of India is not only the biggest public sector banks but is also one with a wide branch network, making it easily accessible. <b>State Bank of India </b>offers fixed deposit accounts along with its core banking operations and services. <o:p></o:p></span></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjt0GRAzwdRR4U_Y4P6JuqqqP4TIfjcMB3Nt8Xgm1mb3PpzU_1EAyHHw-TtT0m3a9BKbtcLS4C6enCUEbdgz0pjpePG90mqipbVVmlOYXnkbrHbz-bv8A5jFDir1HLqDaVe9S0jIsKw48A/s1600/Fixed-Deposit.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="sbi fd rates" border="0" height="79" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjt0GRAzwdRR4U_Y4P6JuqqqP4TIfjcMB3Nt8Xgm1mb3PpzU_1EAyHHw-TtT0m3a9BKbtcLS4C6enCUEbdgz0pjpePG90mqipbVVmlOYXnkbrHbz-bv8A5jFDir1HLqDaVe9S0jIsKw48A/s1600/Fixed-Deposit.jpg" title="sbi fd rates" width="320" /></a></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;">Unlike a large number of private banks and non banking financial companies, <a href="https://www.sbi.co.in/" target="_blank">State Bank of India</a> has a stipulated a small amount of Rs. 1000 as the minimum amount needed to open a fixed deposit account. Users opening a fixed deposit account with State Bank of India have the option to choose the payment mechanism of interest from monthly, quarterly or calendar quarter basis. Interest rate once fixed is does not change irrespective of change in the rate thereafter. <o:p></o:p></span></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;">The bank allows individuals to take loans or overdraft facility on their fixed deposit<b> accounts.</b> Loans and OD facility is available for as high as 90% of the fixed deposit account. Senior citizens opening a <b>fixed deposit account with State Bank of India </b>get an additional 0.25% on the stipulated rate of interest. Nomination facility is available and recommended for all fixed deposit accounts in State Bank of India.<o:p></o:p></span></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<b><span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;">SBI FD Rates: <o:p></o:p></span></b></div>
<div class="MsoNormal">
<b><span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></b></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;"><a href="http://www.bankbazaar.com/fixed-deposit/sbi-fixed-deposit-rate.html">State Bank of India offers lucrative <b>interest rates for fixed deposit</b> account holders</a>. The rate of interest for investments below Rs. 1 Crore ranges from 7.5% for 7 day to 90 days tenure to 9% for 5 years and up to 10 years. Members of SBI Staff and SBI pensioners receive an additional interest rate of 1.00% above the applicable rates. Senior citizens above the age of 60 years receive an additional 0.25% above the stipulated interest rate.<b><o:p></o:p></b></span></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<b><span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;">Features of State Bank of India Fixed Deposits: <o:p></o:p></span></b></div>
<div class="MsoNormal">
<b><span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></b></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;">State Bank of India offers a wide range of tenure period ranging from 7 days to 10 years making <b>FD accounts</b> suitable for all sections of society. Loan and overdraft facility can be availed without any minimum time limit from the opening of the fixed deposit. Loan can be availed as soon as the ext working day from the day of the opening of a fixed deposit account. Interest is paid on monthly intervals on discounted rate or at a calendar quarterly basis as selected by the individual investor at the time of opening of a fixed deposit account.<o:p></o:p></span></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;"> State Bank of India deducts TDS when the interest paid or accrued for the investor exceeds the maximum limit of Rs. 10,000 in one financial year. TDS would not be deducted in case the individual submits form 15G or 15H as per their individual case. State Bank of India offers the individual fixed deposit account holder the flexibility to renew the FD. Automatic renewals take place in case no maturity instructions are given by the investor.<b><o:p></o:p></b></span></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<b><span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;">Premature Withdrawal of SBI Fixed Deposits: <o:p></o:p></span></b></div>
<div class="MsoNormal">
<b><span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></b></div>
<br />
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;">State Bank of India charges a premature withdrawal penalty to the tune of 0.50% per annum for all fixed deposits below Rs. 15 Lakhs. In case of <b>fixed deposit accounts</b> higher than Rs. 15 Lakhs that have remained with the bank for a minimum period of 7 days, no premature withdrawal penalty is levied.<b> </b><o:p></o:p></span></div>
</div>
Anonymoushttp://www.blogger.com/profile/10917523720254526682noreply@blogger.com0tag:blogger.com,1999:blog-6397071976255579614.post-9036320761199434152014-05-28T06:08:00.001-07:002018-11-21T02:25:03.049-08:00How to Apply Fixed Deposit Online<div dir="ltr" style="text-align: left;" trbidi="on">
<div class="MsoNormal" style="text-align: justify;">
<b>Fixed deposits</b> are one of the most widely used forms of saving and investing money in India. This is mainly because they give a fixed and steady income on the money which is invested. The rate of interest received on Fixed Deposits is higher than the amount of interest given by banks on all their other types of accounts. The term of a fixed deposit would depend on the schemes offered by the bank. If you are looking to open a Fixed Deposit account, there are many options available to you. All reputed banks offer some really good FD schemes. It is always a wise idea to compare your options in order to choose one which would be the most feasible to you. <o:p></o:p></div>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhMHA6lV1f1tscD0EgQFm9nLkknIiK7J1tGMCB0igcWGF3Lx0yk_qwPqt6tLFVKpbxbL2vHhrYUBtCW6VTSejod3nv7o3_dWu5SY8MnlBiWbBnQNuhRqz_zEulg9rkXiZURIoFutbJiCiA/s1600/fd.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img alt="fd" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhMHA6lV1f1tscD0EgQFm9nLkknIiK7J1tGMCB0igcWGF3Lx0yk_qwPqt6tLFVKpbxbL2vHhrYUBtCW6VTSejod3nv7o3_dWu5SY8MnlBiWbBnQNuhRqz_zEulg9rkXiZURIoFutbJiCiA/s1600/fd.jpg" title="fd" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Apply FD Online</td></tr>
</tbody></table>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
Thanks to the internet, opening a Fixed Deposit account is much easier than it was before. You can now open your Fixed Deposit account by completing most of the work online. You will have to provide a few important details. Here is a simple step-by-step method on how to easily open a fixed deposit account online:<br />
<br />
<o:p></o:p></div>
<div class="MsoNormalCxSpMiddle" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 36.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l1 level1 lfo2; text-align: justify; text-indent: -17.95pt;">
<!--[if !supportLists]-->1)<span style="font-size: 7pt;"> </span><!--[endif]-->Bank Bazaar is the one stop place where you can <a href="http://www.bankbazaar.com/fixed-deposit.html">compare Fixed Deposit Schemes online</a> and apply for one which you find most convenient to you. They have tie-ups with the best of banks across India. You can find details city-wise or even on a national basis. <o:p></o:p></div>
<div class="MsoNormalCxSpMiddle" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 36.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l1 level1 lfo2; text-align: justify; text-indent: -17.95pt;">
<!--[if !supportLists]-->2)<span style="font-size: 7pt;"> </span><!--[endif]-->Once you open Bank Bazaar’s website, you can click on the fixed deposit tab. From the drop down, you can choose to see details of a specific bank, or you can even take a look at the best rates offered on Fixed Deposits. <o:p></o:p></div>
<div class="MsoNormalCxSpMiddle" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 36.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l1 level1 lfo2; text-align: justify; text-indent: -17.95pt;">
<!--[if !supportLists]-->3)<span style="font-size: 7pt;"> </span><!--[endif]-->You have to customize your search by filling in details of the amount and the number of years or days. You will be provided with details of the rates offered by various banks in accordance with the tenure and amount of fixed deposit you chose. <o:p></o:p></div>
<div class="MsoNormalCxSpMiddle" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 36.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l1 level1 lfo2; text-align: justify; text-indent: -17.95pt;">
<!--[if !supportLists]-->4)<span style="font-size: 7pt;"> </span><!--[endif]-->If you already have in mind a specific bank, there is no need for you to compare the rates offered. What you could do, to save time, is directly check the specified bank’s fixed deposit details. <o:p></o:p></div>
<div class="MsoNormalCxSpMiddle" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 36.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l1 level1 lfo2; text-align: justify; text-indent: -17.95pt;">
<!--[if !supportLists]-->5)<span style="font-size: 7pt;"> </span><!--[endif]-->Once you make your choice, you need to choose the option ‘Apply Now’. You will be provided with a fixed deposit account application for a specific bank’s scheme which you had chosen. You need to fill up the form and hand it in, in the nearest branch office of the bank you chose to open your account it.<o:p></o:p></div>
<div class="MsoNormalCxSpMiddle" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 36.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l1 level1 lfo2; text-align: justify; text-indent: -17.95pt;">
<!--[if !supportLists]-->6)<span style="font-size: 7pt;"> </span><!--[endif]-->Along with the application form which you fill up online you will have to provide identity proof and some other documentation.<o:p></o:p></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 36.0pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;">
<br />
<b>You will need one of the following for ID proof:</b><o:p></o:p></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 36.0pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;">
<br /></div>
<div class="MsoNormalCxSpMiddle" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 54.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -17.95pt;">
<!--[if !supportLists]--><span style="font-family: "arial" , "sans-serif"; mso-fareast-font-family: Arial;">●<span style="font-family: "times new roman"; font-size: 7pt;"> </span></span><!--[endif]-->Passport<o:p></o:p></div>
<div class="MsoNormalCxSpMiddle" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 54.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -17.95pt;">
<!--[if !supportLists]--><span style="font-family: "arial" , "sans-serif"; mso-fareast-font-family: Arial;">●<span style="font-family: "times new roman"; font-size: 7pt;"> </span></span><!--[endif]-->PAN card<o:p></o:p></div>
<div class="MsoNormalCxSpMiddle" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 54.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -17.95pt;">
<!--[if !supportLists]--><span style="font-family: "arial" , "sans-serif"; mso-fareast-font-family: Arial;">●<span style="font-family: "times new roman"; font-size: 7pt;"> </span></span><!--[endif]-->Voter ID card<o:p></o:p></div>
<div class="MsoNormalCxSpMiddle" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 54.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -17.95pt;">
<!--[if !supportLists]--><span style="font-family: "arial" , "sans-serif"; mso-fareast-font-family: Arial;">●<span style="font-family: "times new roman"; font-size: 7pt;"> </span></span><!--[endif]-->Driving licence<o:p></o:p></div>
<div class="MsoNormalCxSpMiddle" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 54.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -17.95pt;">
<!--[if !supportLists]--><span style="font-family: "arial" , "sans-serif"; mso-fareast-font-family: Arial;">●<span style="font-family: "times new roman"; font-size: 7pt;"> </span></span><!--[endif]-->Government ID card<o:p></o:p></div>
<div class="MsoNormalCxSpMiddle" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 54.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -17.95pt;">
<!--[if !supportLists]--><span style="font-family: "arial" , "sans-serif"; mso-fareast-font-family: Arial;">●<span style="font-family: "times new roman"; font-size: 7pt;"> </span></span><!--[endif]-->Photo ration card<o:p></o:p></div>
<div class="MsoNormalCxSpMiddle" style="margin-left: 54.0pt; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -17.95pt;">
<!--[if !supportLists]--><span style="font-family: "arial" , "sans-serif"; mso-fareast-font-family: Arial;">●<span style="font-family: "times new roman"; font-size: 7pt;"> </span></span><!--[endif]-->Senior citizen ID card<o:p></o:p></div>
<div class="MsoNormal" style="margin-left: 36.0pt; text-align: justify;">
<b>For Address Proof you are required to provide any of the following documents as per the bank’s satisfaction:</b><o:p></o:p></div>
<div class="MsoNormalCxSpMiddle" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 54.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -17.95pt;">
<!--[if !supportLists]--><span style="font-family: "arial" , "sans-serif"; mso-fareast-font-family: Arial;">●<span style="font-family: "times new roman"; font-size: 7pt;"> </span></span><!--[endif]-->Passport<o:p></o:p></div>
<div class="MsoNormalCxSpMiddle" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 54.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -17.95pt;">
<!--[if !supportLists]--><span style="font-family: "arial" , "sans-serif"; mso-fareast-font-family: Arial;">●<span style="font-family: "times new roman"; font-size: 7pt;"> </span></span><!--[endif]-->Telephone bill<o:p></o:p></div>
<div class="MsoNormalCxSpMiddle" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 54.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -17.95pt;">
<!--[if !supportLists]--><span style="font-family: "arial" , "sans-serif"; mso-fareast-font-family: Arial;">●<span style="font-family: "times new roman"; font-size: 7pt;"> </span></span><!--[endif]-->Electricity bill<o:p></o:p></div>
<div class="MsoNormalCxSpMiddle" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 54.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -17.95pt;">
<!--[if !supportLists]--><span style="font-family: "arial" , "sans-serif"; mso-fareast-font-family: Arial;">●<span style="font-family: "times new roman"; font-size: 7pt;"> </span></span><!--[endif]-->Bank Statement with Cheque<o:p></o:p></div>
<div class="MsoNormalCxSpMiddle" style="margin-left: 54.0pt; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -17.95pt;">
<!--[if !supportLists]--><span style="font-family: "arial" , "sans-serif"; mso-fareast-font-family: Arial;">●<span style="font-family: "times new roman"; font-size: 7pt;"> </span></span><!--[endif]-->Certificate/ ID card issued by Post office<o:p></o:p></div>
<br />
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
The documentation which has to be provided might slightly vary depending on the requirements of the bank you carry out your dealings with.<o:p></o:p></div>
</div>
Anonymoushttp://www.blogger.com/profile/10917523720254526682noreply@blogger.com0tag:blogger.com,1999:blog-6397071976255579614.post-40427711043064808742014-05-28T05:54:00.001-07:002018-11-15T22:15:45.326-08:00Fixed Deposit Calculator To Compare Different Banks’ Interest Rates <div dir="ltr" style="text-align: left;" trbidi="on">
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 115%;"><b>Fixed deposits</b> are a sensible and practical investment option for people today. There are many who might be tempted by the ascent of the stock market, but prefer to keep their investments risk free. That’s exactly what fixed deposits serve as while offering you substantial gains. Hence there are many who look at them as a blessing to grow their savings further and be on top of things. However in spite of their merits you need to make sure you are taking the right decision while investing in them.</span><o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 115%;">Given the popularity of these deposits, you will find that many banks and financial institutions are offering them to consumers today. Some of the biggest Public and Private Sector banks have various fixed deposit schemes that you can benefit from. But how do you decide if a particular option holds more weight for you than the other? That’s where a Fixed Deposit Interest Calculator comes into the picture, offering you much needed clarity as far as your options are concerned. If you want your savings to grow, you have to pay attention to the interest rate you are getting, and that’s just what this calculator helps you assess.</span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEihBiTKDcgDorjX-Go1XW8CpTS8Wb1pcF3_KbTz0OdqcnmHqFVDPO9jhhyphenhyphen2iahJjDl-1UWfdFjTvf7kpHWQ9O-1R20sJF7CizDW-TtkVbRousiClutSsut2cq0R2I2OE4YJVrogeDMyQos/s1600/fixed-deposit.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img alt="Fixed Rate" border="0" height="225" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEihBiTKDcgDorjX-Go1XW8CpTS8Wb1pcF3_KbTz0OdqcnmHqFVDPO9jhhyphenhyphen2iahJjDl-1UWfdFjTvf7kpHWQ9O-1R20sJF7CizDW-TtkVbRousiClutSsut2cq0R2I2OE4YJVrogeDMyQos/s1600/fixed-deposit.jpg" title="fd" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Choose Best FD Rates</td></tr>
</tbody></table>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 115%;"><br /></span><o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 115%;">To keep yourself informed about what you are getting: </span></b><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 115%;">Fixed Deposit Calculator is definitely a handy tool for people who want to invest their hard earned money in fixed deposits. While you are told the interest rate for a fixed deposit for the given tenure, knowing exactly what you are going to get when the term ends can be a tough ask. That’s because the interest is often calculated in quarterly compounding rate, which can be tricky to decipher. But with the help of the calculator you can know exactly what your gains are going to look like.</span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 115%;"><br /></span><o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 115%;">To make a discerning choice: </span> </b><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 115%;"><a href="https://www.bankbazaar.com/fixed-deposit.html">Most of us invest in fixed deposits because we want our savings</a> to grow in a certain period of time. Fixed deposits have a higher interest rate attached to them than your regular savings accounts. But since there are plenty of fixed deposits options in the market today, choosing the right one for you can become a task. Thankfully now you can rely on Fixed Deposit Interest Calculator to make the job easier for you. It gives you the ability to compare interest rates offered by various banks in the country so that you can make the best pick.</span></div>
<div class="MsoNormal" style="text-align: justify;">
<o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 115%;">Plenty of options right at your fingertips : </span></b><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 115%;">Good thing about using these calculators is that you can go through interest rates offered by practically every bank in the country and compare them. Thus you will have access to all the information that might otherwise be difficult to gather. Once you have this information at your fingertips you can choose the right fixed deposit option based on the tenure and the interest rate that you are happiest with. You will also find that this calculator is fairly simple to use, and you can get the job done without any financial expertise.</span></div>
<div class="MsoNormal" style="text-align: justify;">
<o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
</div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 115%;">Fixed Deposit Calculator is all you need to make sure your savings in fixed deposits bring you the results you deserve.</span><o:p></o:p></div>
</div>
Anonymoushttp://www.blogger.com/profile/10917523720254526682noreply@blogger.com1tag:blogger.com,1999:blog-6397071976255579614.post-41058072958512679422014-05-28T05:51:00.002-07:002018-11-15T22:16:26.661-08:00Documents required for Fixed Deposit Account Creation<div dir="ltr" style="text-align: left;" trbidi="on">
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "tahoma" , sans-serif; font-size: 12pt; line-height: 115%;"><b>Fixed deposit </b>accounts</span><span lang="EN-US" style="font-family: "tahoma" , sans-serif; font-size: 12pt; line-height: 115%;"> can be opened by individuals, Hindu undivided family, sole proprietorship concerns, trusts, associations, clubs as well as partnership firms. Fixed deposit accounts can be opened with any of the private or public sector banks, non banking financial companies and post offices across the country. Accounting opening procedure for <i>fixed deposit </i>accounts has been streamlined by banks and non banking financial companies. <o:p></o:p></span></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;">Gone are the days when individuals had to make a number of personal visits to their bank branch to open a fixed deposit account. Existing customers of the bank can now easily open a fixed deposit account online by using their net banking facility on their respective bank website. All banks need to comply with basic KYC guidelines before opening any fixed deposit account. Proof of address, proof of residence and age proof in case of a senior citizen needs to be submitted to the respective bank for opening a fixed deposit account.<o:p></o:p></span></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjC0ds69zhoS_hlmsGg-pDz9tZrAztLrkih1fN7pyvHBteXWg_MAmCSfBuTBrEM3kaxEehyGE7YBus7AaGLn6fEXINKjxKnXMa4CkoF_2MKYYQSd3yV0mL0wZ0bhra5EYtZXqDdjRrUPHw/s1600/fixed-deposit+%25281%2529.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="290" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjC0ds69zhoS_hlmsGg-pDz9tZrAztLrkih1fN7pyvHBteXWg_MAmCSfBuTBrEM3kaxEehyGE7YBus7AaGLn6fEXINKjxKnXMa4CkoF_2MKYYQSd3yV0mL0wZ0bhra5EYtZXqDdjRrUPHw/s1600/fixed-deposit+%25281%2529.jpg" width="320" /></a></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;"><b>Documentation Required for FD Account Opening: </b></span><span style="font-family: "tahoma" , sans-serif; font-size: 12pt; line-height: 115%;">All individuals, trusts, associations as well as</span><span style="font-family: "tahoma" , sans-serif; font-size: 12pt; line-height: 115%;"> </span><span style="font-family: "tahoma" , sans-serif; font-size: 12pt; line-height: 115%;">proprietorship and private limited concerns need to submit their KYC documentation as per the KYC guidelines issues by the Reserve Bank of India. </span><span style="font-family: "tahoma" , sans-serif; font-size: 12pt; line-height: 115%;"> </span><span style="font-family: "tahoma" , sans-serif; font-size: 12pt; line-height: 115%;">For Indian residents banks accept dedicated proof of identity and proof of address for all fixed deposit account holders. For identity proof one can submit any of the documents including passport, PAN card, Voter ID card, Driving License, Government ID card, Photo ration card and/or any senior citizen ID card. </span></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /><o:p></o:p></span></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;">For address proof any documents including passport, telephone bill, electricity bill, bank statement with cheque and/or any ID issued by post office is acceptable. In case of any other Identity proof or Address proof document can be submitted, subject to the Bank's satisfaction. Individuals will need to show the original documents for verification at the time of account opening while submitting a photocopy each for address proof and identity proof.<br /><br /><o:p></o:p></span></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;"><b>Fixed Deposit and Savings Bank Account: </b></span><span lang="EN-US" style="font-family: "tahoma" , sans-serif; font-size: 12pt; line-height: 115%;"> </span><span lang="EN-US" style="font-family: "tahoma" , sans-serif; font-size: 12pt; line-height: 115%;">A number of banks prefer individuals to open a dedicated savings bank account with the bank in case of opening of a new fixed deposit account. While this is not mandatory as per RBI rules, savings bank account offers the users the<a href="https://www.bankbazaar.com/fixed-deposit.html"> convenience to open any <i>fixed despot account online</i></a> without any physical visit to the bank branch. A savings bank account also helps the bank to transfer the earned interest amount in the bank account of the individuals. </span></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "tahoma" , sans-serif; font-size: 12pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;">In case of termination of the fixed deposit after the completion of its tenure period, funds are easily transferred to the savings bank account of the individual. The linking of a savings bank account with the same bank branch also helps in availing any loan or overdraft facilities on the fixed deposit. In case such a request is made by the individual, the bank can easily link the deposit to the bank account streamlining the loan facilitation process. <o:p></o:p></span></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<br />
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "tahoma" , "sans-serif"; font-size: 12.0pt; line-height: 115%;">In case the customer does not have a savings bank account with the bank, the bank usually opens a loan account for loan request against the fixed deposit making it a time consuming affair requiring multiple visits to the bank branch. Other advantages of having a savings bank account linked with the fixed deposit account is the availability of sweep-in and sweep-out facilities.<o:p></o:p></span></div>
</div>
Anonymoushttp://www.blogger.com/profile/10917523720254526682noreply@blogger.com0tag:blogger.com,1999:blog-6397071976255579614.post-33754407327103821292014-05-28T05:44:00.002-07:002018-11-15T22:17:20.762-08:00Fixed Deposit Schemes with Higher Returns<div dir="ltr" style="text-align: left;" trbidi="on">
<div class="MsoNormal">
<span lang="EN-US" style="line-height: 115%;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Fixed deposits have been one of the most widely used investment vehicles in India for a long time. From the most conservative investor to the high risk taking one, everyone has invested some funds in a fixed deposit scheme<span style="font-size: small;"> for a rainy day. The secured nature of the investment and higher interest rates than savings bank account make </span>fixed deposits <span style="font-size: small;">an investment vehicle for the masses. <br /><br /><o:p></o:p></span></span></span></div>
<div class="MsoNormal">
<span lang="EN-US" style="line-height: 115%;"><span style="font-family: "arial" , "helvetica" , sans-serif;">In recent years however <i>fixed deposit </i>accounts have taken a small hit as various state owned agencies introduced tax free bonds. Such bonds offered assured returns at a better interest rate than conservative fixed deposits making them quite popular with the masses. Banks are also now starting to fine tune their fixed deposit accounts offering better rate of interest for various schemes with different tenure periods. Let us take a look at some of the fixed deposit schemes offering higher returns.<br /><br /><b><o:p></o:p></b></span></span></div>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiKvRC2UJJjGzFqwlv1-uT76jMt-_3c7TeMA6JCKdiW2jK9K5ZYspq7xCNP16YJXaZUZr1ap0y6xxmup6oQ16958mkQ1iiMe_Tzsew-JWg8ggWWurSoJlXCR4JefII0lqJB84ldhUqnV1w/s1600/fixed_deposit_06.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img alt="FD Interest Rate" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiKvRC2UJJjGzFqwlv1-uT76jMt-_3c7TeMA6JCKdiW2jK9K5ZYspq7xCNP16YJXaZUZr1ap0y6xxmup6oQ16958mkQ1iiMe_Tzsew-JWg8ggWWurSoJlXCR4JefII0lqJB84ldhUqnV1w/s1600/fixed_deposit_06.jpg" title="fd" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Fixed Deposit</td></tr>
</tbody></table>
<div class="MsoNormal">
<span lang="EN-US" style="line-height: 115%;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><br /></span></span></div>
<div class="MsoNormal">
<b><span lang="EN-US" style="line-height: 115%;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Special Maturity Date Fixed Deposit Schemes: <br /><br /><o:p></o:p></span></span></b></div>
<div class="MsoNormal">
<span lang="EN-US" style="line-height: 115%;"><span style="font-family: "arial" , "helvetica" , sans-serif;">The growing competition in the fixed deposits market, as well as an increase in the number of safe investment avenues, banks and non banking financial companies, have introduced various fixed deposit schemes offering a higher rate of interest. These schemes often have a unique maturity date 444 days, 555 days or even 1111 days. All such fixed deposit schemes work and operate like normal fixed deposit schemes but with a better rate of interest. Both public sector banks and private banks have received good feedback for such specially designed fixed deposit tenure schemes in the past. Punjab National Bank for example offers an interest rate of 8.75% for fixed deposits over 1 year and up to five years while offering a 9% rate of interest for a 4000 day deposit. <br /><br /><o:p></o:p></span></span></div>
<div class="MsoNormal">
<b><span lang="EN-US" style="line-height: 115%;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Senior Citizen Fixed Deposit Schemes: <br /><br /><o:p></o:p></span></span></b></div>
<div class="MsoNormal">
<span lang="EN-US" style="line-height: 115%;"><span style="font-family: "arial" , "helvetica" , sans-serif;">All public sector and private banks have a special rate of interest for senior citizen fixed deposit accounts. <a href="https://www.bankbazaar.com/fixed-deposit/senior-citizen-fixed-deposit.html">The age limit to be eligible for senior citizen rate of interest for fixed deposit accounts</a> is 60 years for men and 58 years for women. Normal citizens can also considering investing in fixed deposit accounts in the name of their parents or elders to attract higher and more lucrative interest rates.<br /><br /><b> <o:p></o:p></b></span></span></div>
<div class="MsoNormal">
<b><span lang="EN-US" style="line-height: 115%;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Company Fixed Deposit Schemes: <o:p></o:p></span></span></b></div>
<div class="MsoNormal">
<span lang="EN-US" style="line-height: 115%;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Company fixed deposits are a better way to increase the overall rate of interest compared to traditional bank fixed deposits. While company fixed deposits offer a higher interest rate, they are a high risk investment due to their unsecured nature. With high risk come high rewards and users can consider putting some part of their overall investment in company fixed deposits. <br /><br /><o:p></o:p></span></span></div>
<div class="MsoNormal">
<b><span lang="EN-US" style="line-height: 115%;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Post Office Fixed Deposit Schemes: <o:p></o:p></span></span></b></div>
<div class="MsoNormal">
<span lang="EN-US" style="line-height: 115%;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Just like public and private banks, post offices all across the country also offer fixed deposit investment schemes. The government has recently increased the rate of interest for all fixed deposits under the post office making it lucrative for the semi urban and rural citizen. Interest rates on <b>fixed deposit schemes</b> offered by post offices have been increased as much as 0.2 per cent compared to bank fixed deposits.<b><o:p></o:p></b></span></span></div>
<br />
<div class="MsoNormal">
<br /></div>
</div>
Anonymoushttp://www.blogger.com/profile/10917523720254526682noreply@blogger.com0tag:blogger.com,1999:blog-6397071976255579614.post-71836335000355920852014-04-22T00:42:00.000-07:002018-11-21T02:26:08.086-08:00State Bank of India Fixed Deposit<div dir="ltr" style="text-align: left;" trbidi="on">
<b>Fixed Deposits</b> or FDs are traditionally, the most popular form of investment among Indians. Being the safest investment avenue, FD investments are preferred by all sections of the society and all age groups. But it is important to choose the right bank and the right scheme to avail maximum benefits as well as to fit your individual requirement. Fixed deposit schemes offered by various banks are almost similar, but interest rates vary.<br />
<br />
State Bank of India, the country's largest public sector bank offers attractive and flexible<i> fixed deposit </i>schemes to its customers. <a href="https://www.bankbazaar.com/fixed-deposit/sbi-fixed-deposit-rate.html">All fixed deposit schemes of SBI come with a flexible tenure range</a>. The minimum balance stipulated to open a fixed deposit account with the state Bank of India is Rs. 1000. The bank offers a flexible tenure ranging from 15 days to as long as 10 years. Loan facility is available on all fixed deposit accounts with loan or overdraft facility available for as high as 90% value of the fixed deposit. The interest rates are compounded quarterly and fixed deposits are renewed automatically. Users can access the details of their fixed deposit accounts online using SBI's net banking module.<br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh_d-eewpODSLMVRr6ETOSo8h1wcM9g5dbhjTpF6W6iHLQuIaIB63tNb3bgcB-2g6eGdUfZytlUHLcqH-WRjoB5CQW9oBIbWZgVCy6k7hUGTd8sPnetgeGqWBSVLhlp3xUR45PT9UPVk5g/s1600/depfd.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img alt="Sbi Fd Interest rate" border="0" height="182" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh_d-eewpODSLMVRr6ETOSo8h1wcM9g5dbhjTpF6W6iHLQuIaIB63tNb3bgcB-2g6eGdUfZytlUHLcqH-WRjoB5CQW9oBIbWZgVCy6k7hUGTd8sPnetgeGqWBSVLhlp3xUR45PT9UPVk5g/s1600/depfd.jpg" title="Apply fixed deposit" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Fixed Deposit</td></tr>
</tbody></table>
<br />
Eligibility and Documentation: All resident Indian nationals are eligible to open fixed deposit account with SBI. The interested customers need to provide copy of address proof and identity proofs (KYC documents), as mandated by RBI in order to open a fixed deposit account with the bank. Nomination facility is available for all SBI fixed deposit account holders.<br />
<br />
Advantage of SBI Term Deposits: SBI offers various benefits for its term deposit holders. With its wide range of branches in urban and rural regions, reaching a SBI branch is much simpler and convenient compared to other branches. The stipulated minimum amount required to start a fixed deposit is Rs 1000 only which is far less than the minim threshold limit of most other banks. Loan and premature withdrawal facility is available for all SBI fixed deposit holders. The interest on fixed deposits can be reinvested as per the individual choice of the customer. All details of the fixed deposit account are available online for the customer.<br />
<br />
Interest Rates for term deposits below Rs 1 Crore: The State Bank of India’s interest rates for fixed deposits are as listed below. The interest rate payable to SBI Staff and SBI pensioners is 1.00% higher than the applicable rates. The rate applicable to SBI Pensioners of age 60 years and above is 0.25% above the general payable rate.<br />
<br />
<br />
<table border="0" cellspacing="0" cols="3" frame="VOID" rules="NONE" style="text-align: center;">
<colgroup><col width="185"></col><col width="153"></col><col width="167"></col></colgroup>
<tbody>
<tr>
<td bgcolor="#CCFFFF" height="59" style="border: 1px solid rgb(0, 0, 0); text-align: left;" width="185"><b><span style="font-family: "times new roman"; font-size: small;">Tenure</span></b></td>
<td bgcolor="#CCFFFF" style="border: 1px solid rgb(0, 0, 0); text-align: left;" width="153"><b><span style="font-family: "times new roman"; font-size: small;">General Interest Rates (w.e.f. 18.02.2014) </span></b></td>
<td bgcolor="#CCFFFF" style="border: 1px solid rgb(0, 0, 0); text-align: left;" width="167"><b><span style="font-family: "times new roman"; font-size: small;">Interest Rate for Senior Citizens (w.e.f. 18.02.2014)</span></b></td>
</tr>
<tr>
<td bgcolor="#FFFFFF" height="20" style="border: 1px solid rgb(0, 0, 0); text-align: left;"><span style="font-family: "times new roman"; font-size: small;">7 days to 90 days</span></td>
<td bgcolor="#FFFFFF" sdnum="1033;" sdval="7.5" style="border: 1px solid rgb(0, 0, 0); text-align: right;"><span style="font-family: "times new roman"; font-size: small;">7.5</span></td>
<td bgcolor="#FFFFFF" sdnum="1033;" sdval="7.5" style="border: 1px solid rgb(0, 0, 0); text-align: right;"><span style="font-family: "times new roman"; font-size: small;">7.5</span></td>
</tr>
<tr>
<td bgcolor="#FFFFFF" height="20" style="border: 1px solid rgb(0, 0, 0); text-align: left;"><span style="font-family: "times new roman"; font-size: small;">91 days to 179 days</span></td>
<td bgcolor="#FFFFFF" sdnum="1033;" sdval="7.5" style="border: 1px solid rgb(0, 0, 0); text-align: right;"><span style="font-family: "times new roman"; font-size: small;">7.5</span></td>
<td bgcolor="#FFFFFF" sdnum="1033;" sdval="7.5" style="border: 1px solid rgb(0, 0, 0); text-align: right;"><span style="font-family: "times new roman"; font-size: small;">7.5</span></td>
</tr>
<tr>
<td bgcolor="#FFFFFF" height="20" style="border: 1px solid rgb(0, 0, 0); text-align: left;"><span style="font-family: "times new roman"; font-size: small;">180 days to 210 days</span></td>
<td bgcolor="#FFFFFF" sdnum="1033;" sdval="7" style="border: 1px solid rgb(0, 0, 0); text-align: right;"><span style="font-family: "times new roman"; font-size: small;">7</span></td>
<td bgcolor="#FFFFFF" sdnum="1033;" sdval="7" style="border: 1px solid rgb(0, 0, 0); text-align: right;"><span style="font-family: "times new roman"; font-size: small;">7</span></td>
</tr>
<tr>
<td bgcolor="#FFFFFF" height="20" style="border: 1px solid rgb(0, 0, 0); text-align: left;"><span style="font-family: "times new roman"; font-size: small;">211 days to less than 1 year</span></td>
<td bgcolor="#FFFFFF" sdnum="1033;" sdval="7.5" style="border: 1px solid rgb(0, 0, 0); text-align: right;"><span style="font-family: "times new roman"; font-size: small;">7.5</span></td>
<td bgcolor="#FFFFFF" sdnum="1033;" sdval="7.5" style="border: 1px solid rgb(0, 0, 0); text-align: right;"><span style="font-family: "times new roman"; font-size: small;">7.5</span></td>
</tr>
<tr>
<td bgcolor="#FFFFFF" height="20" style="border: 1px solid rgb(0, 0, 0); text-align: left;"><span style="font-family: "times new roman"; font-size: small;">1 year to less than 2 years</span></td>
<td bgcolor="#FFFFFF" sdnum="1033;" sdval="9" style="border: 1px solid rgb(0, 0, 0); text-align: right;"><span style="font-family: "times new roman"; font-size: small;">9</span></td>
<td bgcolor="#FFFFFF" sdnum="1033;" sdval="9.25" style="border: 1px solid rgb(0, 0, 0); text-align: right;"><span style="font-family: "times new roman"; font-size: small;">9.25</span></td>
</tr>
<tr>
<td bgcolor="#FFFFFF" height="20" style="border: 1px solid rgb(0, 0, 0); text-align: left;"><span style="font-family: "times new roman"; font-size: small;">2 years to less than 3 years</span></td>
<td bgcolor="#FFFFFF" sdnum="1033;" sdval="9" style="border: 1px solid rgb(0, 0, 0); text-align: right;"><span style="font-family: "times new roman"; font-size: small;">9</span></td>
<td bgcolor="#FFFFFF" sdnum="1033;" sdval="9.25" style="border: 1px solid rgb(0, 0, 0); text-align: right;"><span style="font-family: "times new roman"; font-size: small;">9.25</span></td>
</tr>
<tr>
<td bgcolor="#FFFFFF" height="20" style="border: 1px solid rgb(0, 0, 0); text-align: left;"><span style="font-family: "times new roman"; font-size: small;">3 years to less than 5 years</span></td>
<td bgcolor="#FFFFFF" sdnum="1033;" sdval="8.75" style="border: 1px solid rgb(0, 0, 0); text-align: right;"><span style="font-family: "times new roman"; font-size: small;">8.75</span></td>
<td bgcolor="#FFFFFF" sdnum="1033;" sdval="9" style="border: 1px solid rgb(0, 0, 0); text-align: right;"><span style="font-family: "times new roman"; font-size: small;">9</span></td>
</tr>
<tr>
<td bgcolor="#FFFFFF" height="20" style="border: 1px solid rgb(0, 0, 0); text-align: left;"><span style="font-family: "times new roman"; font-size: small;">5 years and up to 10 years</span></td>
<td bgcolor="#FFFFFF" sdnum="1033;" sdval="8.5" style="border: 1px solid rgb(0, 0, 0); text-align: right;"><span style="font-family: "times new roman"; font-size: small;">8.5</span></td>
<td bgcolor="#FFFFFF" sdnum="1033;" sdval="8.75" style="border: 1px solid rgb(0, 0, 0); text-align: right;"><span style="font-family: "times new roman"; font-size: small;">8.75</span></td>
</tr>
</tbody>
</table>
<br />
Visit BankBazaar.com to understand the FD schemes offered by SBI and the various benefits associated with it.</div>
Anonymoushttp://www.blogger.com/profile/10917523720254526682noreply@blogger.com0tag:blogger.com,1999:blog-6397071976255579614.post-9256260596819083362014-04-21T04:13:00.000-07:002018-11-15T22:18:55.814-08:00Tax Saving FDs Vs. Regular FDs<div dir="ltr" style="text-align: left;" trbidi="on">
<div align="JUSTIFY" style="margin-bottom: 0in;">
Every bank, whether private or a nationalised bank, have <b>fixed deposi</b>t schemes for their account holders. The aim of these fixed deposits are to help people save their funds, incomes for a particular term for a particular rate of interest and thus help these savings grow over the period of time. There are two major kinds of f<i>ixed deposits</i>, <a href="http://bankbazaar.com/fixed-deposit.html">one is the regular fixed deposit</a> and the other is the tax saving fixed deposit.</div>
<div align="JUSTIFY" style="margin-bottom: 0in;">
<br /></div>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh-ssl7ulB70uIkxU_1JnLlJfI9JZ8-r9i2x4swAo2_0cdH0keDP-yzuoWXhtSj6_xEaVO_xIIFr1CUAiIN-iNjgzGm424m_tPXUe_o_rHFoVLrhXthGohs8qUeIsmmXbJJ_M92OuA21fY/s1600/fixed-deposit+(1).jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img alt="Fixed Deposit" border="0" height="363" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh-ssl7ulB70uIkxU_1JnLlJfI9JZ8-r9i2x4swAo2_0cdH0keDP-yzuoWXhtSj6_xEaVO_xIIFr1CUAiIN-iNjgzGm424m_tPXUe_o_rHFoVLrhXthGohs8qUeIsmmXbJJ_M92OuA21fY/s1600/fixed-deposit+(1).jpg" title="Apply Fixed Deposit" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Fixed Deposit</td></tr>
</tbody></table>
<div align="JUSTIFY" style="margin-bottom: 0in;">
<br /></div>
<div align="JUSTIFY" style="margin-bottom: 0in;">
<i><b>What is a tax saving fixed deposit?</b></i></div>
<div align="JUSTIFY" style="margin-bottom: 0in;">
<i><b><br /></b></i></div>
<div align="JUSTIFY" style="margin-bottom: 0in;">
Tax saving fixed deposit is a type of saving which is done for a definite tenure of 5 years. The amount that needs to be saved is Rs 1 lakh and is mandatory for it to meet the criteria as a tax saving fixed deposit. This kind of saving attracts tax benefits as per the Section 80 C under Income Tax Act of India. The saving is tax free for a fixed amount of Rs 1 lakh and can be shown in individual declarations for tax saving purposes. Apart from the saving done on tax, there are attractive rates of interest that are prevalent on such schemes. 8 to 8.5 % per annum is the rate of interest on this fixed deposit. So, for a small some of Rs 1 lakh, one can get a decent amount on maturity. The disadvantage of this kind of fixed deposit is that it has to be locked for a period of 5 years and cannot be broken before the maturity of the term period. Also, no loan can be taken against the tax saving fixed deposit. The interest amount is taxable as per law which gets deducted at source before the final amount is reimbursed or transferred back into your account.</div>
<div align="JUSTIFY" style="margin-bottom: 0in;">
<br /></div>
<div align="JUSTIFY" style="margin-bottom: 0in;">
<i><b>What is a regular fixed deposit?</b></i></div>
<div align="JUSTIFY" style="margin-bottom: 0in;">
<i><b><br /></b></i></div>
<div align="JUSTIFY" style="margin-bottom: 0in;">
A regular fixed deposit is an excellent way of saving money. There is no restriction on time or duration for which it can be saved. From as low as one month to 10-15 years as well. The rate of interest for deposit amount for at least a period of 2 years attracts great rates of interest. It is 9 % for all and 9.25 % for senior citizens. There are options on receiving the interest amount as well. One can go in for an option wherein the interest applicable as per the decided rates can be paid to the account holder on monthly basis, quarterly basis or even on maturity of the term deposit. In a way the regular fixed deposits are flexible in nature. These deposits can be withdrawn before maturity, although they attract some deductions but when in need, these can be withdrawn. Also, one can avail loan depending upon the total amount of fixed deposit at not a very high rate of interest. In such a way one need not break the fixed deposit as well. The interest amount is taxable and deducted at source and does not have any kind of tax saving benefits unlike tax saving fixed deposits.</div>
<br />
<div align="JUSTIFY" style="margin-bottom: 0in;">
<br /></div>
</div>
Anonymoushttp://www.blogger.com/profile/10917523720254526682noreply@blogger.com0