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TERM DEPOSIT

TERM DEPOSIT

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Any Term Deposit is the money deposited by a customer for a fixed period. The following are the normal terms and conditions of term deposits.
(a) Any individual or individuals, firms, organizations, Companies or trusts etc. can open fixed deposits.
(b) The period is specified at the start of the deposit
(c) The money can either be withdrawn on maturity the deposit or can be renewed for further period in the same scheme or a new scheme with or without additional funds.
(d) Interest is paid depending upon the scheme
(e) Interest can be paid as cash. It can also be credited to their transacting bank account if the deposit scheme permits periodic interest payment and if the customer mandates such credit of interest.
(f) If the customer faces an emergency requirement for cash the deposit can be repaid before maturity. However interest during such payment will be calculated at a lower rate as per rules prevalent at that point of time.
(g) Loans up to 90% will be available against fixed deposits easily. Please see loans section for details.

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