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Savings Bank


Defence Saving Certificates
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  • Certificates are issued for ten years but are encashable any time after one month
  • Certificates are transferable from one city and one person to another city and another person
  • Certificates are available in the denominations of Rs. 500 to one Million
  • No maximum limit of investment

Special Saving Certificates
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  • Three years scheme, but investment can be withdrawn any time after one month
  • These certificates are available in the denomination of Rs. 500, 1000, 5,000, 10,000, 50,000, 100,000, 500,000 and Rs.1,000,000/=
  • Profit is paid on the completion of each period of six months
  • No maximum limit of investment

Regular Income Certificates
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  • Five years regular scheme
  • Rs. 740 monthly profit on account of one lakh rupees subject to 10% withholding tax
  • These certificates are available in the denominations of Rs. 50,000, 100,000, 500,000, 1,000,000, 5,000,000 and Rs. 10,000,000/=
  • Profit is payable on monthly basis
  • Both single and joint purchase permitted
  • No maximum limit of investment
  • Exempt from zakat deduction
  • Scheme has been specifically designed to meet the requirements of pensioners, widows, orphans etc.