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Personal

Kal Housing Loan

Rate of InterestDetails

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  • Purpose & Eligibility :
    • Construction / Purchase / Repairing of Flat / Tenament / Raw House  / Bunglows.
    • The existing repayment obligation/s of the loan/s availed by the borrower will be added to the proposed Home Loan EMI for calculation of EMI / NMI Ratio. The said ratio must remain within the benchmark level as per the Bank’s below mentioned guidelines.
      Net Annual Income EMI / NMI Ratio
      Above Rs.1.20 Lacs and upto Rs.2.00 Lacs 40.00%
      Above Rs.2.00 and upto Rs.5.00 Lacs 50.00%
      Above Rs.5.00 Lacs and upto Rs.10.00 Lacs 55.00%
      Above Rs.10.00 Lacs 65.00%
  • Loan Amount : Max. Rs. 70.00 Lakh or 85 % of Sale Deed whichever is lower
  • Provision for SUBSIDY under Pradhan Mantri Awas Yojana in eligible cases

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Education Loan

Rate of InterestDetails

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  • Purpose & Eligibility :
    • For Domestic & Foreign Education.
  • Repayment Period : Max. 10 years
  • Avail benefits under PADHO PARDESH YOJANA

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Car Loan

Rate of InterestDetails

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  • Purpose & Eligibility :
    • For purchase a new car.
    • Individuals between -21- to -65- years of age
    • Permanent employees of Central / State Government, Central / State Government Boards, Public Sector Undertakings, Public or Private Companies or reputed establishments.
    • For salaried customers other than above mentioned categories, regular employee with minimum -3- years of service.
    • Professionals, Self-employed persons, Businessmen, Industrialists, & Farmers.
    • CIBIL score of the applicant should be more than 600.
  • Loan Amount :
    • 80 % of Quotation of Vehicles (Basic price + Insurance + R.T.O. charges)
  • Repayment Period : Max.  84 Months
  • No Processing Fees till 31-Mar-2021

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Fixed / NRO Deposits

DurationBelow Rs. 25 LakhRs. 25 Lakh to Rs. 1 CroreRs. 1 Crore & Above

7 Days – 14 Days

3.25 %

3.25 %

3.25 %

15 Days – 29 Days

3.25 %

3.25 %

3.25 %

30 Days – 90 Days

3.25 %

3.25 %

3.25 %

91 Days – 180 Days

3.50 %

3.50 %

3.50 %

181 Days – 364 Days

4.75 %

4.50 %

4.00 %

1 Year – 3 Years

5.75 %

5.25 %

4.75 %

3 Years – 5 Years

5.75 %

5.25 %

4.75 %

Cumulative Fixed / NRO Deposits

DurationBelow Rs. 25 LakhRs. 25 Lakh to Rs. 1 CroreRs. 1 Crore & Above

6 months – 1 year

4.75 %

4.50 %

4.00 %

1 year – 3 years

5.75 %

5.25 %

4.75 %

3 years – 5 years

5.75 %

5.25 %

4.75 %

Kal Flexi Deposits

DurationBelow Rs. 25 LakhRs. 25 Lakh to Rs. 1 CroreRs. 1 Crore & Above

15 Days – 181 Days

3.50 %

3.50 %

3.50 %

Kamdhenu Deposits

DurationBelow Rs. 25 LakhRs. 25 Lakh to Rs. 1 CroreRs. 1 Crore & Above

Fixed period of 3 Years

5.75 %

5.25 %

4.75 %

Recurring Deposits

DurationBelow Rs. 25 LakhRs. 25 Lakh to Rs. 1 CroreRs. 1 Crore & Above

1 Year – 3 Years

5.75 %

5.25 %

4.75 %

3 Years – 5 Years

5.75 %

5.25 %

4.75 %

NRE Deposits

DurationBelow Rs. 25 LakhRs. 25 Lakh to Rs. 1 CroreRs. 1 Crore & Above

1 Year – 3 Years

5.75 %

5.25 %

4.75 %

3 Years – 5 Years

5.75 %

5.25 %

4.75 %

Kal Double Deposits

Below Rs. 25 LakhRs. 25 Lakh to Rs. 1 CroreRs. 1 Crore & Above

(146 Months)

(159 Months)

(176 Months)

5.74 %

5.27 %

4.75 %

Non Callable Deposits

ParticularsBelow Rs. 25 LakhRs. 25 Lakh to Rs. 1 CroreRs. 1 Crore & Above

For Rs. 100.00 Lakh & above Deposits only

4.75 %

Kal Two Wheeler Loan

Rate of InterestDetails

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  • Purpose & Eligibility :
    • For purchase of Two Wheeler
    • Existing Customers / Borrowers of the Bank and Close relatives, Salaried Employees are eligible to apply for this loan
  • Loan Amount : Max. Rs. 5.00 Lakh
  • Repayment Period : Max. 60 Months

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Kal FD-OD

Rate of InterestDetails

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  • Purpose & Eligibility :
    • For Higher Education, Courses approved by AICTE or Top Ranked Colleges / Universities.
  • Loan Amount :
    • Min. : Rs. 500.00 Lakh
    • Max. : No limit
  • Repayment Period : Till Fixed Deposit due.

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Loan Against Property

Rate of InterestDetails

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  • Purpose & Eligibility :
    • Business expansion / professional needs / marketing
    • Improvement/extension of existing property
    • Repayment of high interest bearing existing loans from other banks/FIs
    • Purchase of new Shop / Office / Go-down for business expansion
    • Working Capital needs
  • Loan Amount :
    • For Salaried : Min. Rs. 2.00 Lakh ; Max. Rs. 300.00 Lakh
    • For Business Class : Min. Rs. 5.00 Lakh ; Max. Rs.750.00 Lakh
  • Repayment Period : 7 years

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Personal Loan

Rate of InterestDetails

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  • Purpose & Eligibility :
    • For Personal need other than for the purpose of speculation,gambling and such undesired activities not encouraged by bank.
    • Loan Amount :
      • Min. : Rs.25000/-
      • Max. : Rs. 5 Lakh
    • Repayment Period : 12 to 60 months

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Deposits under section 80C of Income Tax

ParticularsBelow Rs. 25 LakhRs. 25 Lakh to Rs. 1 CroreRs. 1 Crore & Above

Regular Rate

5.75 %

Staff Rate

Kal Short Term Deposits

ParticularsBelow Rs. 25 LakhRs. 25 Lakh to Rs. 1 CroreRs. 1 Crore & Above

General/Sr.Citizen/Super Sr. Citizen

(Duration : 111 Days to 360 Days)

4.25%

4.00%

3.75%

Staff

NRO

Duration : 111 Days to 360 Days

4.25 %

4.00 %

3.75 %

Other matters as mentioned below are unchanged for Deposits:

  • Senior Citizen (i.e. having age of 60 years or more) will benefit of 0.50% higher interest rate on Deposits. However Deposits placed by Senior Citizen under section 80 C of Income Tax Act, NRE-NRO, Kal Flexi, Diamond Kal Flexi, Non-callable Deposits, Kal Double Deposit , Kal Short Term Deposit will not be eligible for such additional interest rate benefit.
  • Super Senior Citizens (who have completed 75 years) will get additional benefit of 0.25% i.e. total benefit of 0.75% higher interest rate on Deposits. However Deposits placed by Super Senior citizen under section 80 C of Income Tax Act, NRE-NRO, Kal Flexi, Diamond Kal Flexi, Non-callable Deposits, Kal Double Deposit , Kal Short Term Deposit will not be eligible for such additional interest rate benefit.
  • Senior Citizens and Super Senior Citizens will not get benefit of additional interest rate on Deposits having maturity of less than 1 year. This means that if Senior Citizen/ Super Senior Citizen want to avail benefit of additional interest rate on Deposits then they have to place deposit for 1 year & above.
  • Staff members will continue to get 1% additional interest on Term Deposits. If staff is Senior Citizen, he/she will continue to get additional interest benefit of 0.50% and super senior citizen will continue to get further interest benefit of 0.25%, subject to concerned staff having submitted declaration that money deposited belongs him / her only

*Conditions Apply

Regular Saving Account

Rate of InterestFacilities

3.25 %

  • Quarterly Average Balance Rs. 1000/- (No penalty for Non-maintenance of QAB)
  • Services :
    • Free Mobile Banking, Free Internet Banking
    • Free SMS Service
    • Free E-Statement
    • Free Chequebook (QAB – Rs. 1000/- maintained)
    • Classic RuPay ATM cum Debit Card
  • Personal accident insurance coverage of Rs. 1 Lakh to first Account Holder.(Individual)

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Premium Saving Account

Rate of InterestFacilities

3.25 %

  • Quarterly Average Balance Rs.50,000/-
  • Services :
    • Free Mobile Banking , Free Internet Banking
    • Free SMS Service
    • Free E-Statement
    • Free Chequebook
    • Platinum RuPay ATM cum Debit Card
    • No RTGS-NEFT Charges
    • No Outward Cheque return penalty
    • No AMC for two years for New Demat Account Holder
    • 50% concession in processing charges relating to Retail Loans
    • Personalized service at Branch
    • Sweep in / out facility in the multiple of Rs. 10,000/- (deposit may be made for 120 days at the rate of interest applicable from time to time).
  • Personal Accident Insurance coverage of Rs. 5 Lakh to first Account Holder (Individual).

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Privilege Saving Account

Rate of InterestFacilities

3.25 %

  • Quarterly Average Balance Rs.20,000/-
  • Services :
    • Free Mobile Banking , Free Internet Banking
    • Free SMS Service
    • Free E-Statement
    • Free Chequebook
    • Platinum Rupay ATM cum Debit Card
    • No RTGS-NEFT Charges
    • No Outward Cheque return penalty
    • No MICR / CTS Charges
    • No AMC for one year for New Demat Account Holder
    • 25% concession in processing charges relating to Retail Loans
    • 15% discount in Locker rent
    • Sweep In / out facility in the multiple of Rs. 10,000/- (Deposit may be made for 120 days at the rate of interest applicable from time to time).
  • Personal Accident Insurance coverage of Rs. 3 Lacs to first Account Holder (Individual).

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Special Saving Account

Rate of InterestFacilities

3.25 %

  • Quarterly Average Balance of Rs.5000/-.
  • Services :
    • Free Mobile Banking
    • Free Internet Banking
    • Free SMS Service
    • Free E-Statement
    • Free Chequebook
    • Free DD / PO
    • Free RTGS / NEFT
    • Rupay ATM cum Debit Card
  • Personal Accident Insurance coverage of Rs. 1 Lakh to first Account Holder (Individual)

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Mahila Gaurav Saving Account

Rate of InterestFacilities

3.25 %

  • Quarterly Average Balance ‘0’.
  • Services :
    • Free Mobile Banking
    • Free Internet Banking
    • Free SMS Service
    • Free E-Statement
    • Free Chequebook
    • Free DD / PO
    • Free RTGS / NEFT
    • Rupay ATM cum Debit Card
  • Personal Accident Insurance coverage of Rs. 1 Lakh to first Account Holder (Individual)
  • No Locker rent for 1st year. (A-Size , if vacant in branch)
  • Eligibility : First Account Holder under this scheme should be female only but any family member can be a Joint Holder.

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Kids Saving Account

Rate of InterestFacilities

3.25 %

  • Quarterly Average Balance ‘0’.
  • Services :
    • Free SMS Service
    • Free E-Statement to Guardian
    • Free Chequebook
    • Classic RuPay ATM cum Debit Card
  • Eligibility
    • Age 13 years and more.

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Basic Saving Account

Rate of InterestFacilities

3.25 %

  • No minimum balance requirement.
  • Services :
    • Free Mobile Banking
    • Free Internet Banking
    • Free SMS Service
    • Free E-Statement
    • Classic RuPay ATM cum Debit Card issuance
  • Eligibility : Not eligible for opening any other saving bank Deposit in Bank.

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