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e-TDR/e-STDR (MOD) Frequently Asked Questions

1. What is e-TDR/e-STDR (Multi Option Deposit) The MOD (Multi Option Deposit) account is a combination of your transactional (debit) account and deposit account. These are the Time Deposits but at the time of need for funds, withdrawals can be made in units of Rs.1,000 ! from the deposits by issuin" a che#ue from $a%in"s &an' (ccount or from (TM branch or throu"h any other channel. This 'ind of deposits is completely li#uid. The sum of a%ailable balance in the transactional account and MOD balance can be used for issuin" che#ues or withdrawal or ma'in" any other payment. ). What is the tenure !or MODs Minimum 1 year, ma*imum + years. ,. What are the interest rates !or a ter" deposit The interest rates %ary from time to time. -ou can %iew the latest interest rates by clic'in" on ./iew current interest rate. lin' pro%ided in e!TDR e!$TDR (MOD) re#uest pa"e. 0. What is the "ini"u" a"ount !or a ter" deposit -ou can open a MOD account with a minimum amount of Rs.10,000 with increments in multiple of Rs. 1000. 1owe%er minimum and ma*imum amount limit may %ary for different product codes. +. #an $ %enerate an MOD a&&ount ad'i&e -es, you can "enerate and print an MOD account ad%ice containin" all the rele%ant details. 2. $n (hose na"e (ill the MOD a&&ount )e opened What (ill )e the "ode o! operation The name(s) and mode of operation and branch of newly "enerated MOD a c will be same as in debit a c, from which the MOD a c is funded. *+ ,o( is the "aturity a"ount &al&ulated #an $ "ake enquiry )e!ore openin% eTDR/e-STDR (MOD) The maturity amount is based on the tenor and type of a c selected by you. -ou may en#uire the maturity amount, maturity date and rate of interest, without openin" e!

TDR e!$TDR(MOD) throu"h .3n#uiry. tab a%ailable in e!TDR e!$TDR(MOD) pa"e. 4. What are the types o! a&&ounts !ro" (hi&h $ &an de)it an a"ount !or the deposit -ou can debit a sa%in"s account to open MODs. The account selected for debitin" should be a %alid transactional a c throu"h 5nternet &an'in" channel and should not be a stopped dormant loc'ed account. 6. ,o( &an $ pre-"aturely &lose "y MOD a/& 7or premature closure of MOD a c you may use 8close a c8 tab under e!TDR e!$TDR (MOD) lin' which will close your MOD account instantly if re#uest is initiated between 04900 (M 5$T and 04900 :M 5$T. Re#uest initiated beyond this period will be scheduled for ne*t openin" hours i.e. 04900 (M 5$T. The maturity proceeds will automatically be transferred to your debit a c from which MOD account was ori"inally funded at the time of openin". 10. #an $ &lose MOD a&&ounts opened at the )ran&h throu%h $nternet -ankin% ;o. 11. #an $ open online ter" deposit a/& in any other na"e(s). not )elon%in% to de)it a/& !ro" (hi&h ter" deposit a/& is !unded ;o. 1). #an $ trans!er the "aturity "oney to any o! "y a&&ounts ;o, maturity amount or the amount payable before maturity, will be transferred only to the debit account from which it was funded. 1,. #an senior &iti/en a'ail additional rate o! interest on MOD a&&ounts -es, senior citi<ens can a%ail additional rate of interest in e!TDR e!$TDR (MOD). The date of birth in &an'8s record will be considered for a"e calculation. The minimum days and minimum amount applicable for additional rate of interest for senior citi<ens will be as per &an'8s discretion. 5n case of =oint accounts, the senior citi<en benefit can be a%ailed only if the first account holder #ualifies for this benefit. 10. $s the ter" deposit ad'i&e %enerated throu%h S-$ online )ankin% syste" equally 'alid as that printed throu%h the )ran&h The ad%ice is e#ually %alid as pro%ided by branch. 5nternet &an'in" customers are ad%ised to ta'e printout of term deposit ad%ice after "eneration of deposit a c. 1owe%er, if presented at the branch for payment, branch will %erify all the details shown in the

ad%ice before proceedin" further. 1+. ,o( &an $ add no"inees in MOD a/& >hile openin" an e!TDR e!$TDR(MOD), you will be pro%ided with an option to retain the same nominee(s) for MOD a c as appearin" in your debit a c from which the MOD is funded. 12. #an $ add a ne( no"inee online ;o, you will ha%e to %isit your branch for addin" a new nominee. 1?. $s there any &ut o!! ti"e !or &reatin% e-TDR/e-STDR (MOD) online -es. e!TDR e!$TDR (MOD) can be created online from 4900 (M 5$T to 4900 :M 5$T. Re#uests initiated beyond this period will be scheduled for the ne*t openin" hours.

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e-TDR/eSTDR Frequently Asked Questions


0+ #an $ open a Ter" deposit a&&ount throu%h $nternet )ankin% -es, if you ha%e 5nternet ban'in" user name and password, and at least one transaction account mapped to the username. 1+ What is the "ini"u" tenure !or an online deposit (s a "eneral rule the minimum tenure for a term deposit is ? days and the ma*imum is 10 years. 1owe%er &oth TDR and $TDR are bound by the followin" minimum and ma*imum tenures. Minimum tenure is ? days for TDR and 140 days for $TDR and Ma*imum tenure is ,2+0 days for TDR and $TDR. ,. What are the interest rates !or a ter" deposit The interest rates %ary from time to time. -ou can %iew the latest interest rates by clic'in" on ./iew current interest rate. lin' pro%ided in e!TDR e!$TDR re#uest pa"e. 0. What is the "ini"u" a"ount !or a ter" deposit -ou can open a term deposit with a nominal amount of Rs.1000 ! , howe%er minimum B ma*imum amount limit may %ary for different product codes.

2+ #an $ %enerate a ter" deposit ad'i&e -es, you can "enerate and print a term deposit ad%ice containin" all your rele%ant details. 2. $n (hose na"e (ill the ter" deposit a&&ount )e opened What is the "ode o! operation The name(s) and mode of operation and branch of newly "enerated deposit a c will be same as in debit a c, from which term deposit a c is funded. *+ ,o( is the "aturity a"ount &al&ulated #an $ "ake enquiry )e!ore openin% eTDR/e-STDR The maturity amount is based on the tenorB type of a c selected by customer. -ou may en#uire the maturity amount, maturity date and rate of interest, without openin" e!TDR e! $TDR throu"h C3n#uiryD tab a%ailable in e!TDR e!$TDR pa"e. 4. What are the types o! a&&ounts !ro" (hi&h $ &an de)it an a"ount !or the deposit -ou can debit a sa%in"s, current, or OD account to open term deposit. The account selected for debitin" should be %alid transactional a c throu"h 5nternet &an'in" channel and should not be a stopped dormant loc'ed account. 6. ,o( &an $ rene( or pre-"ature "y deposit a/&+ The $pecial term deposit a c will be automatically renewed at the time of maturity if you do not approach &ranch for payment renewal on maturity. 7or prematurity of deposit a c you may use 8close a c8 tab under e!TDR e!$TDR lin'. The maturity proceeds will automatically transfer your debit a c from which e!TDR e!$TDR was ori"inally funded at the time of openin". 10. #an $ &lose "y e-TDR/e-STDR instantly throu%h 3&lose a/&3 ta) -es, you may close your e!TDR e!$TDR instantly if re#uest is initiated between 04900 (M 5$T to 04900 :M 5$T. Re#uest initiated beyond this period will be scheduled for ne*t openin" hours ie 04900 (M 5$T. 00+ #an $ &lose TDR/STDR opened at the )ran&h ;o, Only e!TDR e!$TDR can be closed throu"h 8close a c8 tab. TDR $TDR opened at branch can be closed at branch only. 1). #an $ open online ter" deposit a/& !or any other na"e(s). not )elon%in% to de)it a/& !ro" (hi&h ter" deposit a/& is !unded+

;o, -ou may contact the branch for the same. 1,. #an $ trans!er the "aturity "oney to any o! "y a&&ounts ;o, maturity amount or the amount payable before maturity will be transferred only to the debit account from which it was funded. 10. #an senior &iti/en a'ail additional rate o! interest on ter" deposit -es, $enior citi<en can also a%ail additional rate of interest in e!TDR e!$TDR. The date of birth in &an'8s record will be considered for a"e calculation. The minimum days and minimum amount applicable for additional rate of interest for senior citi<en will be as per &an'8s policy. 5n case of =oint accounts, the $enior Aiti<en benefit can be a%ailed only if the first account holder #ualifies for this benefit. 1+. What is the 'alidity o! ad'i&e auto"ati&ally %enerated throu%h S-$ online )ankin% syste" The ad%ice is e#ually %alid as pro%ided by branch. 5nternet &an'in" customers are ad%ised to ta'e printout of term deposit ad%ice after "eneration of deposit a c. 1owe%er if presented at the &ranch for payment, &ranch will %erify all the details shown in ad%ice before proceedin" further. 12. ,o( &an $ add no"inees in Ter" Deposit a/& >hile openin" an e!TDR e!$TDR, you will be pro%ided with an option to retain the nominee(s) for term deposit a c as in debit a c from which it is funded. 1?. #an $ add a ne( no"inee online ;o, you will ha%e to %isit your branch for addin" a new nominee. 14. $s there any &ut o!! ti"e !or &reatin% e-TDR/e-STDR online -es. e!TDR e!$TDR can be created online from 4900 (M 5$T to 4900 :M 5$T. Re#uests initiated beyond this period will be scheduled for the ne*t openin" hours.

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