SB DIGITAL is a fully digital savings account designed for individuals who prefer online banking convenience. It offers seamless account opening and management without the need to visit a branch.

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Features of SB DIGITAL Account:

✔ 100% Digital Account Opening – Open an account online with V-KYC (Aadhaar & PAN-based verification).

✔ Zero/Low Minimum Balance – Enjoy flexibility with no or minimal balance requirements.

✔ Instant Account Activation – Get your account number and start transacting immediately.

✔ Net Banking & Mobile Banking – Access your account anytime, anywhere.

✔ UPI & QR Payments – Easy payments via UPI, QR codes, and mobile wallets.

✔ Fund Transfers – Transfer money via IMPS, NEFT, and RTGS instantly.

✔ Auto Sweep Facility – Earn higher interest by linking with fixed deposits.

✔ E-Statements & SMS Alerts – Stay updated on transactions and balances.

✔ 24/7 Customer Support – Get assistance anytime for banking queries.

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Eligibility for SB DIGITAL Account:

✅ Individuals – Must be a resident Indian.

✅ Age Requirement – 18 years and above.

✅ KYC Requirement – Aadhaar & PAN mandatory for V-KYC verification.

✅ Mobile Number & Email ID – Required for online registration and communication.

✅ Single Account Holder – Available for individuals only (no joint accounts).

✅ Initial Deposit – As per bank’s policy for digital accounts.

Features:

• ✔ Period of Deposit – 1 to 5 years for linked MOD (Multi Option Deposit).
• ✔ ATM/Debit Card – Free debit card for easy withdrawals and purchases.
• ✔ Mobile & Internet Banking – Secure and convenient online banking.
• ✔ SMS Alerts – Instant transaction notifications.
• ✔ Free Cheque Leaves – 10 free cheque leaves per annum; additional at nominal charges.
• ✔ Maximum Balance Limit – No limit on maximum balance.
• ✔ Passbook & E-Statements – Physical passbook provided; duplicate available on request (charges apply).
• ✔ Monthly Average Balance (MAB) – No minimum balance requirement.

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Eligibility:

• ✅ Individuals – Resident Indians, including salaried and self-employed individuals.
• ✅ Age Requirement – 18 years and above.
• ✅ KYC Documents – PAN Card, Aadhaar Card, Address Proof, and other KYC as per bank policy.
• ✅ Mobile Number & Email ID – Mandatory for account opening and digital banking access.

SB PMJDY is a special savings account under the Pradhan Mantri Jan Dhan Yojana (PMJDY), aimed at promoting financial inclusion by providing basic banking services to all citizens, especially those from economically weaker sections.

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Features of SB PMJDY Account:

• ✔ Zero Balance Account – No minimum balance required.
• ✔ RuPay Debit Card – Comes with accidental insurance cover.
• ✔ Free Mobile & SMS Banking – Access account via mobile banking and receive SMS alerts.
• ✔ Overdraft Facility – Up to ₹10,000 (based on eligibility and account usage).
• ✔ Cheque Book Facility – Available for customers maintaining a minimum balance.
• ✔ Deposit & Withdrawal – Cash deposit, withdrawal, and remittances enabled at bank branches and ATMs.
• ✔ Passbook & e-Statement – Transactions can be tracked via passbook and e-statements.
• ✔ Easy Fund Transfers – Enabled for NEFT, RTGS, IMPS, and UPI transactions.
• ✔ Accessible from Any Bank Branch – Account can be operated from any branch across India.

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Eligibility for SB PMJDY Account:

• ✅ Individuals – Any Indian citizen can open this account.
• ✅ Age Requirement – 10 years and above (minors require a guardian).
• ✅ KYC Documents Required – Aadhaar Card, PAN Card, or any valid government ID.
• ✅ Special Benefit for Women & Rural Customers – Additional incentives and subsidies available under government schemes.

SB SELF HELP GROUP (SB SHG) is a specialized savings account designed to support Self Help Groups (SHGs) by providing a secure banking platform to manage group savings, access financial assistance, and promote economic empowerment.

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Features of SB SELF HELP GROUP Account:

• ✔ Group Banking Facility – Account opened in the name of the Self Help Group (SHG).
• ✔ Easy Deposit & Withdrawal – Transactions can be done collectively by authorized members.
• ✔ Joint Operation – Account operated jointly by elected representatives of the SHG.
• ✔ Passbook & E-Statements – Transactions recorded for transparency.
• ✔ Cheque Book Facility – Available for eligible SHGs.
• ✔ Access to Loans & Credit Linkage – SHGs can avail loans based on savings and credit history.
• ✔ Interest on Savings – Earn interest on deposits as per bank rates.
• ✔ Online Banking & SMS Alerts – Digital banking for easy access.
• ✔ Financial Assistance & Subsidies – Eligible for government schemes and financial aid.

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Eligibility for SB SELF HELP GROUP Account:

• ✅ Registered or Unregistered SHGs – Groups with a minimum of 10-20 members (as per guidelines).
• ✅ Purpose of SHG – Should be engaged in income-generating activities.
• ✅ Group Savings Practice – Members must contribute savings regularly.
• ✅ KYC Documents Required – SHG resolution, member KYC (Aadhaar, PAN, etc.), and proof of activity.
• ✅ Joint Signatories – Account must have designated members authorized to operate the account.

SB PMJDY KIOSK is a special savings account under the Pradhan Mantri Jan Dhan Yojana (PMJDY), designed to promote financial inclusion through Bank Mitras (Customer Service Points/Kiosks). This account allows individuals, especially those in rural and unbanked areas, to access banking services conveniently through kiosk banking outlets.

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Features of SB PMJDY KIOSK Account:

• ✔ Zero Balance Account – No minimum balance required.
• ✔ Easy Account Opening – Open an account through a Bank Mitra (Business Correspondent/Kiosk Operator) using Aadhaar-based e-KYC.
• ✔ RuPay Debit Card – Comes with accidental insurance cover.
• ✔ Direct Benefit Transfer (DBT) – Receive government subsidies (e.g., LPG subsidy, MGNREGA wages, etc.) directly into the account.
• ✔ Cash Deposit & Withdrawal – Conduct transactions at kiosk banking centers without visiting a branch.
• ✔ Fund Transfers – Transfer money easily within banks through NEFT, IMPS, and UPI.
• ✔ SMS & Mobile Banking – Get instant transaction alerts and access mobile banking services.
• ✔ Overdraft Facility – Eligible account holders can avail an overdraft up to ₹10,000.

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Eligibility for SB PMJDY KIOSK Account:

• ✅ Individuals – Any Indian citizen, especially those without prior banking access.
• ✅ Age Requirement – 10 years and above (minors require a guardian).
• ✅ KYC Documents Required – Aadhaar Card, PAN Card (if available), or any valid government ID.
• ✅ Mobile Number & Email ID – Required for banking transactions and alerts.
• ✅ Account Access – Operated through Bank Mitras at kiosk centers or through branch banking.

A Current Account is a specialized deposit account designed for businesses, entrepreneurs, and professionals who require frequent transactions, higher withdrawal limits, and seamless fund management without restrictions on deposits and withdrawals.

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Features of a Current Account:

• ✔ Unlimited Transactions – No restrictions on the number of deposits and withdrawals.
• ✔ No Interest on Deposits – Unlike savings accounts, current accounts do not earn interest.
• ✔ Overdraft Facility – Eligible customers can avail overdraft for working capital needs.
• ✔ Free NEFT, RTGS, IMPS & UPI – Easy and fast fund transfers.
• ✔ Cheque Book & Demand Drafts – Complimentary cheque book; demand drafts available.
• ✔ Online & Mobile Banking – Manage accounts conveniently with digital banking services.
• ✔ Business-friendly Banking – Facilitates bulk transactions.
• ✔ Cash Deposit & Withdrawals – Higher transaction limits compared to savings accounts.
• ✔ Customizable Account Options – Variants available based on business size and turnover.

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Eligibility for a Current Account:

• ✅ Individuals & Businesses – Proprietors, partnerships, companies, traders, and professionals.
• ✅ KYC Documents Required:
  • • Individuals: Aadhaar, PAN, Address proof.
  • • Businesses: GST Registration, Business License, Certificate of Incorporation, Partnership Deed, etc.
• ✅ Initial Deposit Requirement – Varies as per the selected current account variant.

The Tax Saver Fixed Deposit is a special fixed deposit scheme designed to help individuals save taxes while earning interest on their deposits. Under Section 80C of the Income Tax Act, investments in this FD are eligible for tax deductions, making it a popular choice for tax-saving among salaried individuals.

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Features of Fixed Deposit - Tax Saver:

• ✔ Tax Deduction under Section 80C – Investment of up to ₹1.5 lakh in a Tax Saver FD is eligible for tax deduction.
• ✔ Fixed Tenure – The FD has a lock-in period of 5 years from the date of investment.
• ✔ Attractive Interest Rates – Competitive interest rates, with higher rates for senior citizens.
• ✔ Interest Payment Options – Interest can be paid monthly or quarterly (depending on the scheme), or compounded quarterly.
• ✔ No Pre-Maturity Withdrawal – The deposit cannot be withdrawn before the completion of 5 years.
• ✔ Loan Against FD – Loans can be availed against the FD after a certain period (depending on the bank's policy).
• ✔ Nomination Facility – Nominee can be added at the time of FD opening.
• ✔ Account in Single or Joint Names – Available for individuals, either in single or joint names.
• ✔ Automatic Renewal – Option to renew FD after maturity.

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Eligibility for Fixed Deposit - Tax Saver:

• ✅ Individuals – Any individual resident of India can invest in this FD.
• ✅ Minimum Age Requirement – 18 years and above (for individual applicants).
• ✅ Maximum Investment Limit – Up to ₹1.5 lakh per year qualifies for tax deduction under Section 80C.
• ✅ Documents Required:
  • • Aadhaar Card, PAN Card, and Address Proof for KYC verification.
  • • Form 15G/15H (if applicable for tax exemption on interest).

JRGB Dhansanchay 445 Days is a special fixed deposit scheme offered by Jharkhand Gramin Bank (JRGB), providing an attractive interest rate with a fixed tenure of 445 days. It is designed for individuals who wish to earn a higher return on their investment for a short to medium term, with the benefit of assured interest and capital safety.

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Features of Fixed Deposit - JRGB Dhansanchay 445 Days:

• ✔ Tenure – Fixed tenure of 445 days for investment.
• ✔ Attractive Interest Rates – Competitive interest rates compared to regular fixed deposits.
• ✔ Interest Payment Options – Interest can be paid on a quarterly basis or compounded quarterly.
• ✔ Loan Against FD – Option to avail a loan against the FD after a certain period, depending on the bank's policy.
• ✔ Nomination Facility – A nominee can be added at the time of FD opening.
• ✔ Automatic Renewal – FD can be renewed automatically on maturity, at the prevailing interest rate.
• ✔ Tax Deduction at Source (TDS) – TDS is applicable on interest earned if it exceeds the exemption limit set by the Income Tax Department.
• ✔ Account in Single or Joint Names – Available in both single and joint account names.
• ✔ Taxation of Interest – The interest earned on the fixed deposit is taxable as per the applicable tax slabs.
• ✔ Capital Safety – The principal amount is secure and guaranteed under the FD scheme.

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Eligibility for Fixed Deposit - JRGB Dhansanchay 445 Days:

• ✅ Individuals – Available for Indian residents, including individuals, minors, and senior citizens.
• ✅ Deposit less than 1cr.
• ✅ Documents Required:
  • • Aadhaar Card, PAN Card, and Address Proof for KYC verification.
• ✅ Minimum Investment Amount – Varies as per the bank’s policy, generally ₹1,000 or higher.
• ✅ Maximum Investment Limit – No upper limit for investment, subject to bank policies.

A Recurring Deposit (RD) is a popular savings scheme that allows individuals to deposit a fixed amount every month into an RD account for a predetermined tenure. This is a great way for individuals to accumulate savings with attractive interest rates, offering guaranteed returns at the end of the deposit tenure.

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Features of Recurring Deposit (RD):

• ✔ Fixed Monthly Deposits – The investor must deposit a fixed amount every month, which is chosen at the time of account opening.
• ✔ Attractive Interest Rates – Competitive interest rates offered, which may vary depending on the tenure and the investor's category (e.g., senior citizens may receive higher rates).
• ✔ Tenure – Typically ranges from 6 months to 10 years.
• ✔ Interest Compounded Quarterly – Interest on the RD is compounded quarterly, ensuring higher returns.
• ✔ Loan Against RD – Loan facility available against RD.
• ✔ Premature Withdrawal – Available with a penalty, but early withdrawal can be made after a certain period.
• ✔ Nomination Facility – Nominee can be added to the RD account for easy transfer in case of unforeseen events.
• ✔ Flexible Amounts – Minimum deposit amount varies but is usually as low as ₹100 per month.
• ✔ Account in Single or Joint Names – Can be opened either in the name of an individual or jointly.

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Eligibility for Recurring Deposit (RD):

• ✅ Individuals – Any individual (Resident Indian) can open an RD account, including minors with a guardian.
• ✅ Age Requirement – 10 years and above (for adults) or a guardian for minors.
• ✅ KYC Documents Required – Aadhaar Card, PAN Card, Address Proof, and other relevant documents.
• ✅ Joint Accounts – Available for joint holders.
• ✅ Investment Amount – The amount is chosen by the account holder but should be in multiples of ₹100, depending on the bank’s policy.