Administrative Office: ' Mahaveer ', Shree Shahu Market Yard, Kolhapur – 416 008.

Notice
Attention of customers/public is invited on the changes in interest rates Fixed Deposits with effect from June 24, 2016

Deposits of Rs. 1 crore and above less than Deposits of Rs. 3 crore and above upto Rs.
Deposits less than Rs.1 crore
Rs. 3 crore 5 crore
Period of Deposit Interest *Effective *Effective Interest *Effective *Effective Interest *Effective *Effective
Rates Annualised Annualised rate Rates (%) Annualised Annualised rate Rates (%) Annualised Annualised rate
(%) Rate % % for Senior Rate % % for Senior Rate % % for Senior
Citizen Citizen Citizen
7 days to 14 days 5.25 5.25 5.75 6.00 6.00 6.5 6.00 6.00 6.50
15 days to 45 days 5.25 5.25 5.75 6.00 6.00 6.5 6.00 6.00 6.50
46 days to 90 days 7.00 7.00 7.50 7.00 7.00 7.5 7.00 7.00 7.50
91 days to 180 days 7.25 7.25 7.75 7.25 7.25 7.75 7.25 7.25 7.75

181 days to 240 days 7.50 7.62 8.14 7.50 7.62 8.14 7.50 7.62 8.14
241 days to 364 days 7.75 7.98 8.51 7.75 7.98 8.51 7.75 7.98 8.51
12 months to less than 24
8.00 8.24 8.77 7.90 8.14 8.67 7.80 8.03 8.56
months
24 months to less than 36
8.50 8.77 9.31 8.00 8.24 8.77 7.85 8.08 8.62
months
36 months to less than 60
8.15 8.40 8.93 7.90 8.14 8.67 7.85 8.08 8.62
months
60 months to less than 120
8.15 8.40 8.93 7.90 8.14 8.67 7.85 8.08 8.62
months
120 months to 240 months 8.00 8.24 8.77 8.00 8.24 8.77 7.75 7.98 8.51
Note:
 Senior citizens are entitled to get 0.50% extra for all buckets.
 *computed as Effective Annual yield
 On premature withdrawal of the deposit, interest shall be paid at the rate that was applicable on the date the deposit was placed and only for the period for
which the deposit is maintained with the Bank or the rate that was offered for the original contracted maturity, whichever is lower, subject to 1% penalty.
However there is no penalty for premature withdrawal of FD by senior citizens. For deposits above Rs. 5 crore please contact concerned branch staff
 Payment of interest on monthly interval will be at discounted rate.
 Above rates and tenure are also applicable for NRO deposits.Senior citizen rates are not applicable to NRO deposits
Interest rates on Savings Deposit (including NRE Savings).

Daily balance Rate of Interest

w.e.f 08th July 2015
Up to Rs 1 lakh 5.1% p.a
Above Rs 1 lakh upto Rs. 10 lakh * 6.1% p.a
Above Rs 10 lakh upto Rs. 5 Crore *# 7.1% p.a

* On daily balances in excess of Rs. 1 Lac

# For amounts greater than Rs 5 Crore, please contact the branch or your designated Relationship Manager.

Interest will be credited in savings bank account (including NRE/NRO savings bank account) at the end of every quarter.

Applicability of rate of interest will be based on daily balances and calculation will be done on above slab basis.

Flexi Fix Deposits (FFD) products:

Interest rates for Flexi Fixed Deposits will be same as on Regular Fixed Deposits for respective Tenor.

Rate of Interest on Ratna Tax Saving Scheme will be as under-

No. Period Regular Senior Citizen

1 60 months to 120 months 8.15 8.65

Rate of Interest on Non-Resident External (Rupee) Deposits will be as under-

Rs. 3 crore and
Less than Rs.1 Rs. 1 crore and above
Sr. No. Period of Deposit above upto Rs. 5
crore less than Rs. 3 crore
crore
1 12Months < 24 Months 8.00 7.90 7.80
2 24 Months < 36 Months 8.50 8.00 7.85
3 36 Months < 60 Months 8.15 7.90 7.85
4 60 Months < 120 Months 8.15 7.90 7.85
5 120 Months to 240 Months 8.00 8.00 7.75

Benefit of higher interest rates for Senior citizen deposits (as applicable to domestic deposits) will not be available to NRE deposits.
 Notice

Attention of customers/public is invited on the changes in interest rates Fixed Deposits with effect
from July 2, 2016-

Period USD GBP EUR AUD SGD JPY CAD

1 year and above but less than 2 years 1.70 1.46 0.29 2.59 2.28 1.44 1.93
2 years and above but less than 3 years 1.94 1.58 0.29 2.55 2.42 1.02 1.91
3 years and above but less than 4 years 1.83 1.59 0.82 2.81 2.80 1.35 2.18
4 years and above but less than 5 years 1.92 1.62 0.84 3.00 2.92 0.84 2.21
5 years 2.03 1.67 0.92 3.02 3.02 1.35 2.24

Notes:

- Deposits are acceptable for tenor of 1 to 5 years.

- Deposits are to be accepted for a minimum period of 1 year.
- No interest will be payable for deposits that have remained with the bank for less than one year.
- On pre-mature withdrawal of the Deposit after completion of 1 year, interest will be calculated
at the rate applicable for the period the Deposit has actually remained with the Bank, subjected
to a penalty of 1%. The Interest rates offered on FCNR deposits are linked to LIBOR, hence in certain
scenarios, Interest rates offered may be less than the premature penalty levied. Please ask the Branch
staff for more details.
- Benefit of higher interest rates for Senior citizen deposits ( as applicable to domestic deposits
will not be available to FCNR deposits).
- No additional interest of 1% to be paid to existing and retired banks staff.