Interest Rate

7 days to 14 days

3.25%

15 days to 30 days

3.25%

31 days to 45 days

3.25%

46 days to 90 days

4.25%

91 days to 179 days

4.25%

180 days and above but less than 270 days

4.95%

270 days and above but less than 1 year

5.75%

1 year and above but less than or equal to 18 months

6.70%

6.25%

Above 2 years but less than or equal to 3 years

6.25%

Above 3 years but less than or equal to 5 years

5.75%

Above 5 years but less than or equal to upto 10 years

5.35%

Naini Plus 2023 Deposit Scheme (Callable) -400 days

7.05%

Naini Plus 2023 Deposit Scheme Deposit (Non-Callable) – 400 days

7.10%

Naini Tax Saver Scheme*

5.75%

* Premature withdrawal will not be allowed before completion of 05 years except in case of death of the customer/depositor.

* A new Term Deposite Scheme for 400 days has been introduced w.e.f.06.05.2023 to 30.06.2023 or till any further notice.

Domestic Term Deposits for Senior Citizens: - Branches may continue to pay an additional interest of 0.50% on domestic term deposits of less than Rs. 2.00 crore to Senior Citizens for all tenors in terms of extant guidelines, except under Naini Tax Saver Scheme.

Domestic Term Deposits for Super Senior Citizens: - Branches will now pay an additional interest of 0.60% (0.50% + 0.10%) on domestic term deposits of less than Rs. 2.00 crore to Super Senior Citizens (Customers who have attained the age of 80 years) for all tenors in terms of extant guidelines, except under Naini Tax Saver Scheme.

Domestic Term Deposits for Staff Members: - Branches may continue to pay an additional interest of 1% on domestic term deposits of less than Rs. 2.00 crore to all Staff Members for all tenors in terms of extant guidelines, except under Naini Tax Saver Scheme.

In case of retired Staff members who are Senior Citizens resident in India, branches are authorized to pay additional interest of 1.50% per annum (i.e. 1% normal staff privilege plus 0.50% as a benefit of being a Senior Citizen on their fresh term deposits and renewals of existing resident Term Deposits of less than Rs. 2 Crores for maturities from 15 days to 10 years, except under Naini Tax Saver Scheme and in case of retired Staff members who are Super Senior Citizens resident in India, branches are authorized to pay additional interest of 1.60% per annum (i.e. 1% normal staff privilege plus 0.60% as a benefit of being a Super Senior Citizen on their fresh term deposits and renewals of existing resident Term Deposits of less than Rs. 2 Crores for maturities from 15 days to 10 years, except under Naini Tax Saver Scheme

Please extend additional rate(as applicable) to staff members, senior citizen staff members and Super Senior Citizen only in case where name of staff member/senior citizen staff is notified as principal(first name) account holder in account.

We reiterate that in case of premature payment of Term Deposits, interest rate shall be 1% less than the interest rate applicable for the period the deposit remained with the bank as per existing guidelines. Please, further note that rates for bulk deposits (single deposit of Rs 2.00 Crores and above) are determined by Treasury Department, Head Office, Nainital and are directly updated in the CBS System, on need based business requirements of the bank.

NATURE

RATE OF INTEREST

MINIMUM BALANCE

NORMAL

SENIOR CITIZEN

Rural

Semi Urban

Urban

ACCOUNT

1. Savings Bank A/c

A. Domestic

a. With cheque book facility

2.85

2.85

500.00

1000.00

2000.00

b. Without cheque book facility

2.85

2.85

500.00

1000.00

2000.00

c. Basic Savings Bank Deposit

Account

2.85

2.85

0.00

0.00

0.00

B. Non Resident

a. NRO

NA

b. NRE

2. Term Deposits

A. Domestic

Rate of Interest

Term Deposits (All Maturities)

Up to & including

` 15 Lakhs

For Deposits above `15 Lakhs but less than ` 1Crore

7 days to 14 days

3.25%

3.25%

15 days to 30 days

3.25%

3.25%

31 days to 45 days

3.25%

3.25%

46 days to 90 days

4.25%

4.25%

91 days to 179 days

4.25%

4.25%

180 days and above but less than 270 days

4.95%

4.95%

270 days and above but less than 1 year

5.75%

5.75%

1 year and above but less than or equal to 18 months

6.70%

6.70%

Above 18 months but less than or equal to 2 years

6.25%

6.25%

Above 2 years but less than or equal to 3 years

6.25%

6.25%

Above 3 years but less than or equal to 5 years

5.75%

5.75%

Above 5 years but less than or equal to upto 10 years

5.35%

5.35%

B. Non-Resident Accounts

a. NRO (All Maturities)

NA

b. NRE (All Maturities)

Rate of Interest

1 year &

above but < 2 years

2 years &

above but < 3 years

3 years &

above but < 4 years

4 years & above but < 5 years

For 5 years (Maximum)

c. FCNR(B)

NA

i) USD

ii) GBP

iii) EUR

iv) CAD

v) AUD

CHARGES

Fee Based Services

In Rs. Excluding GST

1. Lockers

Type

of Locker

Metro / Urban/

Semi Urban

Rural

1

yr

2

yrs

3

yrs

1

yr.

2

Yrs

3

Yrs.

SMALL

1200/-

2400/-

3600/-

Metro

2000/-

4000/-

6000/-

1500/-

3000/-

4500/-

Urban

1500/-

3000/-

4500/-

2500/-

5000/-

7500/-

Semi-Urban

1200/-

2400/-

3600/-

MEDIUM

Metro

3500/-

7500/-

10500/-

Urban

3000/-

6000/-

9000/-

Semi-Urban

1500/-

3000/-

4500/-

LARGE

Metro

6000/-

12000/-

18000/-

Urban

5000/-

10000/-

15000/-

Semi-Urban

2500/-

5000/-

7500/-

10 % Concession on advance rent payment of -3- years

2. Credit Cards

Not Available

Entrance Fees

-

Annual Fees

-

Add on Card

-

Service charges on outstanding balance

-

Cash withdrawal fees

-

Hot listing charges

-

Other Charges

-

3. Debit Cards

Rs. 200/- Annual Charges

International Debit Card

NA

4. Drafts/TT/MT

Issue

Up to Rs.10000/-      Rs.100/-

Above Rs. 10000/-   @ Rs.5.00 per Rs. 1000/-or part thereof subject to minimum Rs. 60/-& maximum Rs.15000/- plus cash handling charges

Cancellation

  Rs. 100/-

5. Outstation cheque

collection

6. NEFT Money Transfer

Inward  = 0.00

Outward =

Up to Rs. 10000/-

Above Rs 10000/- to 1 lakh

  Above Rs 1 lakh to Rs. 2 lakh

  Above Rs 2 lakh

Rs.2.25 per transaction Rs.4.75 per transaction Rs.14.75 per transaction Rs.24.75 per transaction

7. RTGS Money Transfer

Inward  = 0.00

Outward

Upto 2 lakhs

Above Rs. 2 lakhs to Rs. 5 lakhs

  Above Rs. 5 lakhs

NIL

Rs. 24.50/transaction

Rs. 49.50/- per transaction

8. Cheque return charges

Outward Returns

Inward Returns

For Savings Accounts

Upto Rs. 1.00 lakh

Above Rs.1 lakh/- upto Rs.1 crore Above Rs.1 crore

250/- 500/- 750/-

Upto Rs. 1.00 lakh

Above Rs.1 lakh/- upto Rs.1 crore Above Rs.1 crore

150/-

250/-

300/-

For Current, Overdraft Cash Credit Accounts

Dishonour of outstation

/ local bills & cheques

50% of collection charges subject to minimum of Rs 50/- plus postage charges.

9. Cheque Book Issue

(i)Savings Bank: -

·         First Cheque book of 20 leaves for 6 months

·         Second Cheque book of 20 leaves issued after 6 months

·          Subsequent cheque book/s of 20 leaves each

NIL

NIL

Rs. 100/-

   (ii)CA/CC/OD:-

·         First cheque book of 50 leaves

·         Subsequent cheque book/s of 50 leaves each:

NIL

Rs. 250/-

10. No Dues Certificate

i)  First Certificate

ii) Second/Additional Certificate

NIL

Rs. 150/ copy

Tenor

MCLR (APPLICABLE w. e. f. 10.09.2023 to 09.10.2023) (p.a.)

MCLR (APPLICABLE w. e. f. 10.10.2023 to 09.11.2023) (p.a.)

Overnight MCLR

7.65

7.65

MCLR for One month

7.75

7.75

MCLR for Three Months

7.95

7.95

MCLR for Six months

8.20

8.20

MCLR for 1 Year

8.50

8.50

MCLR for 2 Year

9.70

9.70

MCLR for above 2 Year

9.70

9.70