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Target Group

Citizens who have completed 57 years and Senior Citizens who are drawing pension from other Banks


Singly or in joint names. The first account holder must belong to target group

Average Quarterly Balance Criteria

Average Quarterly Balance (AQB) of Rs.10000/-AQB shall be calculated for AMJ, JAS,OND & JFM quarters (for example AMJ stands for April, May, June)

Opening of Account/ Minimum Daily Balance

No Daily Minimum Balance RequirementHowever customer has to maintain Average Quarterly Balance (AQB) of Rs.10,000/- or above, therefore AQB Clause to apply

Charges for Non Maintaining Average Quarterly Balance

In case of Non maintenance of AQB of Rs.10,000/- Penalty will be levied as under: SB A/cs with cheque book facility: Penal charges: Rs.89/- + S.T. per quarter at all centres SB A/c without cheque book facility Penal charges: Rs.54/- + S.T. per quarter at all centres

Charges for excess debit entries in Savings Bank account ATM / INTERNET transactions not to be counted / reckoned

Up to 10 Customer induced debit entries a month: FREE Beyond 10 debit entries: FREE (It is charged for other customers)

Personalized Cheque books per calendar year

50 Leaves (Free)

Issuance of DD/Pay slips

6 DD Per Quarter Free if AQB in the preceding quarter is maintained at Rs.10000/- and above else DD charges applicable

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