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Saving Deposit Account
Saving deposit account for your saving purpose and to earn interest. Accounts can be opened with or without cheque book facility. Nomination facility is available. Passbook or computer statements are issued as per customer preference.
Interest Rate:
3.00%
Term Deposit
Amount is deposited for a pre-decided period ranging between 14 days to 10 years. (For 45 days – minimum deposit Rs.1000/-.)
Accounts can be opened by Individuals and Proprietor Firms Earns attractive interest rates.
Facilities: Loan on deposit, premature payment, nomination, and transfer to other branches. Loan can be availed up to 80% of principal and interest.
| Sr.No | Particular | Rate of Interest | |
|---|---|---|---|
| General Customer | Sr. Citizen and Women Customer | ||
| 1 | 7 Days up to 45 Days | 3.25% | 3.25% |
| 2 | 46 Days up to 90 Days | 6.25% | 6.25% |
| 3 | 91 Days up to 180 Days | 7.00% | 7.00% |
| 4 | 181 Days up to 365 Days | 7.50% | 7.50% |
| 5 | 366 Days up to 500 Days | 8.50% | 9.00% |
| 6 | 501 Days up to 750 Days | 8.75% | 9.25% |
| 7 | 751 Days up to 1000 Days | 9.00% | 9.50% |
| 8 | 1001 Days up to 1825 Days | 6.00% | 6.50% |
Recurring Deposit
| Period | Rate of Interest |
|---|---|
| 1 Years | 6.00% |
| 2 Years | 6.50% |
| 3 Years | 7.00% |
| 4 Years | 7.50% |
| 5 Years | 8.00% |
| 10 Years | 10.00% |
Mahila Samruddhi Yojana
| Sr.No | Particular | Rate of Interest | |
|---|---|---|---|
| General Customer | Sr. Citizen and Women Customer | ||
| 1 | 366 Days up to 500 Days | 8.60% | 9.10% |
| 2 | 501 Days up to 750 Days | 8.85% | 9.35% |
| 3 | 751 Days up to 1000 Days | 9.10% | 9.60% |
Loans & Advances
| Sr.No | Type of Loan | Rate of Interest |
|---|---|---|
| 1 | Cash Credit Loan | 14.00% |
| 2 | Gold Loan | 10.90% |
| 3 | Business Loan | 13.50% |
| 4 | Vehicle Loan | 10.90% |
| 5 | Housing Loan | 11.90% |
| 6 | Agriculture and allied Activities Agriculture Loan | 12.90% |
| 7 | Property Loan | 13.50% |
| 8 | FD against loan | 2% higher than the interest rate on deposits |
| 9 | FD against ODCC loan | 2% higher than the interest rate on deposits |
| 10 | Personal Salary Loan | 12.00% |
| 11 | Personal Un Secured Loan | 15.00% |
Web-Base Core Banking
E-Statement Facility
The E-Statement facility allows customers to receive their account statements directly through email on a monthly or daily basis — completely free of cost. This digital service simplifies record-keeping and helps large firms and individuals track transactions conveniently.
Benefits:
- Free and paperless monthly or daily account statements
- Instant access to your transaction details anytime, anywhere
- Safe and secure delivery to your registered email ID
- Environment-friendly digital alternative
RTGS/NEFT/IMPS
All members of भारतीय महिला ग्रामीण बिगरशेती सहकारी पतसंस्था मर्या. निघोज can avail NEFT through mobile app / IMPS. The service is live and money can be instantly transferred from their savings account to any bank account. The money will be credited to the beneficiary's account in real time. You can also check the amount in the account and get a mini statement.
Along with YES Bank, भारतीय महिला ग्रामीण बिगरशेती सहकारी पतसंस्था मर्या. निघोज is also providing this service and you can send your money anywhere in India. Please visit the nearest branch to avail this service.
Charges
| RTGS / NEFT | Charges |
|---|---|
| Rs.1 to Rs.2,00,000.00 | Rs.27.00 |
| Rs.2,00,001.00 to Rs.5,00,000.00 | Rs.56.00 |
| Rs.5,00,001.00 to Rs.10,00,000.00 | Rs.100.00 |
| Rs.10,00,001 and Above | Rs.200.00 |
SMS Alerts
SMS banking is a form of mobile banking that allows customers to receive important account information via SMS messages. Through this facility, भारतीय महिला ग्रामीण बिगरशेती सहकारी पतसंस्था मर्या. निघोज customers can stay informed of transactions, balances, and alerts directly on their registered mobile numbers.
| SMS Alerts | Charges |
|---|---|
| Quarterly Charges | ₹15.00 |
Welcome to भारतीय महिला ग्रामीण बिगरशेती सहकारी पतसंस्था मर्या. निघोज
We are dedicated to providing the best financial services to our members. With a legacy of trust and excellence, we aim to empower our community through transparent and customer-centric banking solutions.
- Reliable Banking
- Low Interest Loans
- High Deposit Returns