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Product Search  |
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| Deposit Schemes |
| For Non - Residents |
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For Non Resident Indians (N.R.I's), bank offers deposit facilities in the form of Non Resident External Rupee Account (N.R.E).
Services you enjoy under NRI accounts are
Facility of Savings account, Recurring account, Current and Fixed Deposit account.
Local income in rupees can be credited to N.R.O accounts.
Foreign remittances can be credited to N.R.E & N.R.O. accounts.
Repatriation (foreign remittances) facility available only in N.R.E accounts.
T.D.S not applicable to interest earned on N.R.E deposits.
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| | For Residents |
| Safe and Attractive Deposit Schemes such as
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Savings Account:
The present rate of interest on Savings Account is 3.5 % per annum.
Interest on Savings Account is credited at the end of every quarter.
Operations of Savings Account are very convenient on account of the ATM facility & morning/evening counter timings.
Minimum balance required to be maintained in Savings Account ranges from Rs. 500/- to Rs 1000/- depending on the branch.
Facilities offered: Savings account holders can enjoy convenience banking through our ATMs.
Current Account:
Minimum balance to be maintained in a Current Account is from Rs. 2,500/- onwards.
Current Account holders can avail : Multi-city Cheque book facility.
Savings & Current Account holders can enjoy various facilities such as :
1. Anywhere Banking.
2. Instant Funds Transfer.
3. Collection of outstation cheques.
4. Demand drafts payable at more than 300 cities.
Recurring Deposit Account:
This is a Deposit Scheme with fixed monthly instalments payable to the term.
The investment multiplies through interest calculated at the end of every quarter.
Cash Certificate Scheme:
On this cumulative Term Deposit Scheme interest is compounded at the end of every quarter with effective yield much higher than the offered (Coupon)rate of interest.
Fixed Deposit Scheme:
Interest on Fixed Deposits is paid at specified intervals monthly/quarterly/six-monthly.
Through Electronic Clearing System, interest on such deposits can be credited to any account, maintained at any other bank-branch (in the same city) specified by the depositor.
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| | T.D.S. |
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Interest on Fixed Deposits of Shareholders does not attract Tax deductable at source. |
| | Deposit Insurance from D.I.C.G.C. |
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Our bank is a member of Deposit Insurance & Credit Guarantee Corporation. The insurance policy which covers depositor's money is in force & its premium upto date has already been paid to the corporation. Each deposit with the Bank is insured upto maximum Rs. 1,00,000/-.
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| | Flexi-Fixed Deposit Scheme For Savings A/c Holders |
| Who can open the account under the scheme? |
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Any savings account holder can open the account under the scheme. |
| What is the minimum balance I shall maintain in my savings account to avail the facility of FLEXI FIXED DEPOSIT? |
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The minimum balance in the savings account shall be Rs 10,000/-. The excess balance over the minimum balance will be transferred to FLEXI FIXED DEPOSIT account in multiples of Rs 5,000, on weekly basis. |
| Whether I can get any additional interest on the amount invested in my savings account? |
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Yes, you can earn additional interest on the balance over & above required to be maintained in savings account. If the balance in savings account exceeds Rs 15000/-, the excess amount over the minimum balance ( Rs 10,000/-) will be transferred to flexi fixed account. The depositor can earn more interest than the regular savings account. |
| How the amount will be transferred from FLEXI FIXED DEPOSIT account? |
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The account holder has to submit the declaration. The excess balance will be automatically transferred to your FLEXI FIXED DEPOSIT account & in case of requirement of funds in savings account ,the amount will be transferred from FLEXI FIXED DEPOSIT account in multiples of Rs. 5,000/- [LIFO method]. |
| What will be the rate of interest on such deposits? |
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The interest will be paid after 30 days at the rate of 5% p.a. and the amount of interest will be credited to the savings account. |
| What will be the rate of interest for before maturity withdrawal? |
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In case of deposit transferred after 7 days, but before 30 days, at least the interest as per the savings rate of interest will be paid. Hence there will not be any loss of interest. |
| Can the depositor avail the overdraft facility? |
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Yes, the depositor can avail the 90 %overdraft facility on FLEXI FIXED DEPOSIT account. The overdraft amount will be transferred to the saving accounts as per instructions of the account holder. |
| | Cosmo Kishor - Scheme For Minor |
| Name of the Scheme |
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Cosmo Kishor
[Cash Certificate and Recurring deposits] |
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| Date of commencement |
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The scheme launched from 1st November, 2004 |
| Salient Features of the Scheme: |
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With a view to make financial provision for payment of school/ college fees, donations, the parents must be interested to invest for the said purpose. For this the new scheme for minor is launched with additional rate of interest. The salient features of the scheme are as follows: |
| Who can deposit the amount under the scheme? |
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The account can be opened in the name of a minor along with guardian. |
| How much I have to invest if I want to get a specific amount at the time of maturity? |
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To get the specific amount after maturity, depositor will have to deposit certain fixed amount. As a guideline to the parent, the detail chart of deposit amount, period and rate of interest is mentioned below. |
| Any amount can be deposited under this scheme, |
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Please refer the following example for COSMOS KISHOR (Cash Certificate):
| SCHEME FOR MINOR |
| Minimum period 2 years |
Period |
W.e.f 17.08.06 & Onward |
2 Years to Less than 3 Years |
8.25% |
3 Years to Less than 5 Years |
8.50% |
For 5 Years |
8.50% |
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| For what period the amount can be deposited? |
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The depositor can deposit the amount for a minimum period of 2 years and maximum period of 5 years, At the time of maturity of deposit the age of the depositor i.e minor must be below 18 years. |
| Can the depositor withdraw the deposit before maturity of the deposit? |
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Yes, the depositor can withdraw the deposit before the maturity of the deposit. In such case, the rate of interest will be as per the present rules of before maturity. |
| Which documents are required for opening the deposit account of minor? |
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- Duly filled Fixed Deposit account opening -form, from the guardian.
- Photographs [guardian].
- Documents showing age proof of the minor [birth certificate].
- Address proof. |
| | Cosmo Umbrella: Scheme for Senior Citizens |
| Name of the scheme: |
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Cosmo Umbrella.
[ Fixed Deposit - Monthly/Quarterly Interest ] |
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| Date of Commencement : |
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The scheme launched from 1st November 2004. |
| Who can deposit the amount under this scheme.? |
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- The person who has attained the age of 60 years or more on the date of opening of account can deposit the amount under this scheme.
- The above person can open the account in individual capacity or jointly. |
| What will be the limit of the deposit? |
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The minimum deposit should be Rs 1,000/-. The depositor can deposit the amount in multiple of Rs 1,000/-. There is no upper limit for the amount of deposit. |
| For which period the deposit can be accepted? |
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The amount can be deposited for the period of 36 months to 60 months. |
| What is the applicable rate of interest for this scheme? |
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| The Rate of Interest for the deposit is 8.5% p.a. |
| The interest will be paid quarterly on 31st March/ 30th June / 30th Sept/ 31st Dec every year. |
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| Can the depositor withdraw the amount, before maturity period of the deposit? |
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- Yes, premature closure of the account is allowed, Before maturity clause will be applicable i.e the rate of interest applicable for that period -less 2%.
- The depositor can also avail overdraft upto 95% and the rate for such overdraft will be 10.5% p.a. In such case the quarterly interest will be transferred to overdraft account. |
| What benefit will be available for the depositor, if the account is opened jointly with spouse? |
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In case of death of the depositor before maturity period and when the account is jointly with spouse, the survivor can continue the account till the maturity period, even though the age of survivor is below 60 yrs the said person can get interest @ 8% p. a. for remaining period. If the spouse wants to withdraw the deposit before maturity, interest will be paid at 8.5% till date of withdrawal. |
| Is TDS applicable for the deposit made under this scheme? |
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TDS is not applicable for those who are the members or nominal members of the bank. |
| Which documents are required for opening of Fixed Deposit account? |
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- Duly filled Fixed Deposit account opening form.
- Photographs.
- Document showing proof of age.{ birth certificate/ Election I Card/ PAN card/ Passport/ School leaving certificate.}
- Address proof. |
| Is nomination facility available? |
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Yes, the depositor can nominate for the said deposit. If the nominee is other than spouse, the interest will be paid as per the rate applicable at the time of before maturity withdrawal of deposit by the nominee. |
| Additional Information |
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Our Bank is offering a Special Interest Rate for Senior Citizens, which is at par with the scheme of Central Government made applicable through Post Offices and Commercial Banks. On this background, our scheme is offered with an additional facility of overdraft and also the option of before maturity payment and now with the option of monthly interest payment . Now the scheme is also made available for shorter duration than offered by Post Offices and Commercial Banks. |
| | Janasanchay Saving Account Scheme |
| Scheme for: Individuals who are below poverty line |
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Initial Amount: Account can be opened by depositing Rs. 50/-
Minimum Account Balance: Rs. 0/-
Rate of Interest: 3.50% p.a.
No service charge on the account balance. |
| | Safe Deposit Vaults (Lockers) |
| | 80 C Income Tax
Deposit Scheme 2006 |
| 80 C Income Tax Deposit Scheme 2006 |
|
Untitled Document
No. |
Particulars |
1. |
Name of the Scheme |
80 C Income Tax Deposit Scheme 2006 |
2. |
To whom the scheme is applicable? |
The scheme is applicable only to Scheduled Banks.
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3. |
Who can participate |
1. Individual
2. H.U.F. (Hindu Undivided Family) |
4. |
Minimum Period of the Scheme |
Minimum 5 Years and above |
5. |
Maximum Amount of
Investment |
Maximum Rs.1 lac
(Minimum Rs. 100/- & in multiples thereof) |
6. |
Income Tax Benefit |
Amount invested under this scheme will be included in the various investments made under Sec. 80 C and the assessee will be eligible to get the deduction upto the eligible amount under this section. |
7. |
Rate of Interest |
The rate of interest applicable for General and Senior Citizens Category for the period 5 years and above will be applicable. At present 8.50% rate of interest will be applicable to General Category and 9.00% rate of interest will be applicable to Senior Citizens. Any future revision made in the rate of interest on FIXED Deposit, will be applicable to this scheme also. |
8. |
Fixed Deposit Receipt |
Fixed Deposit Receipts will be available at respective branch in which deposit is made. Following matter should be quoted in Fixed Deposit Receipt.
Deposit under Bank Term Deposit Scheme, 2006 Eligible for Deduction u/s 80 C (2) (xxi)
Accountholder should sign on the Fixed Deposit Receipt and also should mention his PAN number alongwith the signature. |
9. |
Overdraft Facility |
Overdraft facility is not available. |
10. |
Pledging of term deposit |
The term deposit shall not be pledged to secure loan as security to another asset. |
11. |
Income Tax |
Interest on these term deposits shall be liable to tax under the Act, on the basis of annual accrual or receipt, depending upon the method of accounting followed by the assessee. |
12 |
Whether TDS is applicable? |
TDS is applicable as per Sec. 194 A or Sec. 195 of Income Tax Act. |
13. |
Whether Deposit can be kept in Joint Names? |
Yes, Deposit can be kept in Joint Names. |
14. |
Who will be eligible to get Income Tax benefit? |
The deduction U/s 80 C can be claimed by the person who has contributed the money for such deposit. It can be claimed by the First named person in joint holding if the First named person has so contributed the amount. |
15. |
Before Maturity Withdrawal |
No term deposit shall be encashed before the expiry of five years from the date of Fixed Deposit Receipt. |
16. |
Whether this scheme will be applicable for existing deposits of Rs.1 lac? |
The scheme will not be applicable for the existing deposits and they will not be eligible to claim deduction
u/s 80 C. The benefit will be available to those deposits which are placed under the scheme after declaration of the said scheme i.e. from 17 th Aug,2006 onwards. |
17. |
Whether the Nomination facility is available? |
- Yes, Nomination facility is available. Nomination shall be made in favour of only one individual.
- No nomination shall be made in respect of a term deposit applied for and held by or on behalf of a minor.
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18. |
Whether the deposit under this scheme are transferable from one branch to another? |
Deposits can be transferred from one branch to another. However, deposits cannot be transferred from one scheduled bank to another. |
19. |
Account Opening Form |
Every time separate account opening form should be submitted while keeping deposit every time. In case of Joint Accounts all joint account holders should sign the Account Opening Form. |
20. |
Issue of Duplicate FDR |
If FDR is lost, stolen, destroyed or defaced the depositor can apply for the issue of a duplicate receipt to the concerned branch giving details viz. number, amount and date of the receipt and circumstance attending such loss, theft, destruction, mutilation or defacement. If Branch Manager is satisfied, he will issue a duplicate receipt on the applicant furnishing an indemnity bond with two sureties or with a bank guarantee.
No indemnity bond or sureties are required for deposits below Rs.500/- |
21. |
Interest of FDR |
The interest may be paid either in lump sum at the time of maturity or monthly/quarterly/half-yearly intervals. |
22. |
Quoting of Rate of Interest on FDR? |
The rate of interest applicable at the time of keeping the deposit should be quoted on FDR. |
23. |
Payment to Nominees |
In the event of the death of the holder of a term deposit receipt, the nominee shall make an application in our prescribed form to the Branch Manager, supported by proof of death of the holder. |
24. |
Payment to legal heirs |
If holder of deposit dies and there is no nomination in force at the time of his death, then legal heirs should apply alongwith Death Claim Application, Indemnity Bond, Affidavit & Succession Certificate wherever necessary. The sum due to the deceased shall be paid to legal heirs after completing the necessary procedure. |
25. |
Certificate |
Fixed Deposit Receipt shall be used as a certificate under Section 80 C. No separate certificate should be issued. |
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| | Safe Deposit Vaults (Lockers) |
| Safe Deposit Vaults (Lockers) |
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Safe deposit vaults (Lockers) are available at all the branches and also at some of the extension counters.
Safe Deposit Vaults (Lockers) of varied sizes are available at following Branches / Extension Counters:
| LIST OF BRANCHES WHERE LOCKER FACILITY AVAILABLE |
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BRANCHES WITHIN MAHARASHTRA |
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BRANCHES OUT OF MAHRASHTRA |
| SR NO |
PUNE BASED BRANCHES |
SR NO |
ANDHRA PRADESH |
| 1 |
Ajmera |
1 |
KING KOTI RD,HYDERABAD |
| 2 |
Chinchwad |
2 |
AMEERPET,HYDERABAD |
| 3 |
Nigdi |
3 |
M.G. Rd. Secunderabad |
| 4 |
KOEL |
4 |
S.P. Rd. Secunderabad |
| 5 |
Koregaon Park |
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| 6 |
Pimpri |
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AHMEDABAD |
| 7 |
Aundh- Sanewadi |
1 |
Ashram Road |
| 8 |
Aundhgaon |
2 |
Bapu Nagar |
| 9 |
Deccan Gymkhana |
3 |
Mani Nagar |
| 10 |
Ganeshnagar |
4 |
Naroda Ind. Estate |
| 11 |
Gokhalenagar |
5 |
Nava Vadaj |
| 12 |
Kothrud |
6 |
Odhav |
| 13 |
Pashan |
7 |
Paldi |
| 14 |
Paud Road |
8 |
Raipur |
| 15 |
Vitthalwadi |
9 |
Rajkot |
| 16 |
Warje |
10 |
Sattalite |
| 17 |
Dhankawadi |
11 |
University |
| 18 |
Hadapsar |
|
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| 19 |
Kasba- Raviwar |
|
BARODA |
| 20 |
Laxmi Road |
1 |
Productivity Road |
| 21 |
Parvati Darshan |
2 |
Sama Road |
| 22 |
Pune- Camp |
3 |
Subhanpura |
| 23 |
Alandi |
4 |
VIP Road |
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MUMBAI BASED BRANCHES |
5 |
Waghodia |
| 1 |
Mandvi |
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| 2 |
Dadar |
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KARNATAKA |
| 3 |
Vile-Parle |
1 |
Bangalore |
| 4 |
Bandra |
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| 5 |
Andheri |
|
MADYA PRADESH |
| 6 |
Ghatkopar |
1 |
Indore |
| 7 |
Chembur |
|
| 8 |
Vashi |
| 9 |
Mulund |
| 10 |
Boriwali |
| 11 |
Kandivali |
| 12 |
Malad |
| 13 |
Thane |
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OTHER BRANHES WITHIN |
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MAHARASHTRA |
| 1 |
Aurangabad |
| 2 |
Jalna, Aurangabad |
| 3 |
Baramati |
| 4 |
Nagpur |
| 5 |
Nashik |
|
| | Personal Loans |
| Cosmo Mortgage Loan Scheme : |
|
1) Loan upto Rs.25.00 lacs
2) Property having age upto 15 years, old will be considered.
3) Rate of Interest 13% p.a.
4) Both Term Loan and Overdraft faciltiy available.
SME Loan
1. Loan upto Rs. 50 Lakh
2. Rate of Interest 13% p.a.
3. Both term loan and overdraft facility available
Solar Loan
1. Rate of Interest 12.5%p.a.
2. Interest Subsidy
- For Individuals 2%
- For Institutions 3%
- For Commercial 5%
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| Home Loans |
|
Home loans are available for purchasing new/resale flat/house or for construction of bungalow/house or for taking over home loan from other institutions. Interest rate is as follows
Rate of Interest w.e.f. 01/05/2007
| Slab (Rs. in Lakhs) |
Rate of Interest |
| 0.50 to 5.00 |
9.50% |
| 5.00 to 10.00 |
11.00% |
| 10.00 to 15.00 |
11.50% |
| 15.00 onwards |
13.00% |
Attractive Features of Home Loan Scheme:
1. Processing fee of Rs. 1500/-.
2. Other Family members' income can be considered for enhancing eligible loan amount.
3. Interest levied on daily reducing balance.
4. No prepayment penalty if the loan is foreclosed with own funds. |
| Vehicle Loan |
|
1. Loan available for purchasing new/used car or two wheeler for personal use.
2. Rate of Interest : 12% on daily reducing balance for two wheeler and 11.50% for four wheeler
3. EMI : Rs. 2224/- for a Two wheeler and Rs. 2199/- for Four wheeler loan of Rs.1,00,000/- for 5 years.
4. Margin : 10% for new vehicles, 30-40% for used vehicles.
5. 3% for closure penalty applicable. |
| Cosmos Credit |
|
This is a personal loan scheme for salaried persons as well as self employed professionals / entrepreneurs. It is a handy credit line to meet the needs of a Modern Lifestyle, such as Pleasure Trips, Wedding Expenses, Jewellery Shopping, Credit-Card Payments, Education, Medical Treatment, Transfer of High Cost Debt or any other purpose.
Attractive Features of Cosmo Credit:
1. Interest rate of 13.50% on daily reducing balance.
2. Maximum loan up to Rs. 2.00 lakhs
3. Two Flexible options:
Term Loan: Maximum repayment period is 60 months with Equated Monthly Installment for a loan of Rs. 1,00,000/-, EMI would be Rs. 2301/-. |
| | Business Loans |
| Credit for Industries |
|
Term Loan for capital investment in fixed assets, such as Plant & Machinery, Construction/Purchase of factory Shed/Office Premises, Furniture & Fixtures, Technical Gadgets/Equipment, etc.
Vehicle Loan for commercial vehicles, used for the factory, transportation etc.
Working Capital Facilities, such as
Cash-Credit for working capital requirement i.e. to avail the credit against the security of stock, debtors or other liquid assets.
Bills Discounting for finance against accepted bills of the reputed buyers.
Non-Funding Limits, such as Letter of Credit & Bank Guarantee can be extended for securing large contracts / work orders. |
| Overdraft Facilities |
|
Overdraft Against Term Deposits:
Overdraft to the extent of 90% of Term Deposits with the Cosmos Bank is available across the counter.
Interest rate on the overdraft account is charged at the rate of 2% more than the Fixed Deposit receipt rate for general customers, non individuals and co-op. Socities and 1 % for Senior citizens.
Overdraft Against National Savings Certificate:
Overdraft to the extent of 60% of the face value of National Savings Certificate is available.
Interest on such overdrafts is charged at 12%.
Overdraft Against Life Insurance Policy:
Overdraft against LIC Policy is available to the extent of 75% the surrender value of the policy.
Interest on such overdrafts is charged at 12%.
Overdraft Against Gold:
Interest on over draft against gold is charged at the rate of 12%.
For this purpose gold ornaments are valued at the rate of Rs. 8000/- per hall marked gold 10 gms, Rs.7000/- 10 gms gold and Rs.12000/- 1KG silver .
Overdraft Against Shares:
Against equity shares of reputed companies held in DEMAT Format.
Overdraft is available upto 50% of market value of pledged shares.
Interest on such overdrafts charged at 14%. |
| | Cosmo Loans |
| |
|
Untitled Document
Attractive Loan Schemes with reasonable rates. Our various loan schemes are Car Loan, Home Loan,Cosmo Credit Loan, Cosmo Mortgage Loan, Cosmo SME Loan, Industrial and Business Loan.
Special Features of Cosmo Loans:-
- Minimum Documents.
- Fast Processing of Loans.
- Immediate Loan Sanction.
Please contact our nearest branch to achieve full benefits of the scheme.
|
| | Depository Services |
| A) Depository Services - |
|
The Bank is Depository participant of NSDL & CDSL.
Customers can hold their investments in electronic form in DEMAT Accounts.
Nomination facility is available for all our NSDL & CDSL customers.
|
| | MSEB Bill Payment Facility |
| |
|
Customers from Pune region can pay their electricity bill by way of electronic debits to their Accounts with us.
This service is offered free of cost to our customers.
|
| | General Insurances |
| |
|
Reserve Bank Of India has permitted us to engage in General Insurance business as a corporate agent.
We have tied up with Bajaj Allianz General Insurance Company Ltd. for offering its policies to our customers.
These General Insurance products are available at all of our branches. |
| | Anywhere Banking |
| |
|
This system has facilitated Any-where Banking facility through all our Branches and Extension Counters.
This system has enabled us to launch host of customer friendly services, such as..
- ATMs : Installation of ATMs at each of our branches/ extension counters, Offsite locations is in process, out of which 48 ATMs have already been commissioned.
- Multi-city cheque book facility : This facility has helped many of our corporate/commercial clients in their business. Multi-city cheques are often known as at par' cheques payable at all branches of the bank, within the framework of the clearing norms.
- Instant Funds Transfer : This helps many of our customers to transfer their business/ personal funds instantaneously to any of our branches.
- Electronic Clearing Services : Periodic payments such as monthly/quarterly interest on fixed deposits, dividend on our shares etc. can now be instantaneously credited to the beneficiaries account at any of our branches or at any other bank-branch.
|
| | Charges |
| |
|
|
| Name of the Bank |
The Cosmos Co-operative Bank Ltd., Pune |
| |
|
| Savings Bank A/c - No frills A/c |
|
| Minimum Balance |
Zero |
| Charges for non maintenance thereof |
NIL |
| |
|
| Savings Bank Accounts with Cheque facility |
|
| Minimum Balance |
Rs.1000/- |
| Charges for non maintenance thereof |
Rs.15/- per quarter |
| |
|
| Savings Bank Accounts without Cheque facility |
|
| Minimum Balance |
Rs.500/- |
| Charges for non maintenance thereof |
Rs.15/- per quarter |
| |
|
| Other savings bank account facilities |
|
| Issue of Duplicate Statement |
Rs.10/- per page |
| Issue of loose cheque leaves |
Not applicable |
| Issue of Duplicate Pass book |
Rs.25/- |
| Mode of calculation of minimum balance |
A parameter is set in the system to |
| |
consider minimum balance |
| |
|
| Remittance Facilities through own bank |
|
| DD-Issue |
Not applicable |
| DD-Cancellation |
Not applicable |
| DD-Duplicate |
Not applicable |
| DD-Revalidation |
Not applicable |
| PO-Issue |
Rs.1/- to Rs.1000/- - Rs.10/- |
| |
Above Rs.1000/- - Rs.1.50 per thousand |
| |
Maximum Commission - Rs.2000/- |
| PO-Cancellation |
Rs.25/- per instrument |
| PO-Duplicate |
Rs.25/- per instrument |
| PO-Revalidation |
Rs.25/- per instrument |
| TT-Issue |
Not applicable |
| TT-Cancellation |
Not applicable |
| TT-Duplicae |
Not applicable |
| TT-Revalidation |
Not applicable |
| EFT Charges-inward |
Not applicable |
| EFT Charges-outward |
Not applicable |
| RTGS-Outward |
SB - Rs.1/- per thousand Min.Rs.50/- |
| RTGS-Inward |
Max.Rs.1500/- |
| |
CA/Cash credit/OD Rs.1/- per thousand- |
| |
Min.Rs.100/-, Max.Rs.1500/- |
| Collection of Cheques (Home Clearing) |
Nil |
|
| Remittance Facilities through other bank |
|
| DD-Issue |
HDFC, ICICI, Citi Bank - |
| |
Rs.1/- to Rs.5000/- - Rs.10/- |
| |
Rs.5001/- to Rs.10000/- - Rs.20/- |
| |
Above Rs.10001/- Rs.1.50 per thousand |
| |
Bank of Maharashtra - |
| |
Rs.1/- to Rs.2500/- - Rs.10/- |
| |
Above Rs.2500/- - Rs.2/- per thousand |
| |
Maximum Commission - Rs.3000/- |
| DD-Cancellation |
Rs.25/- per instrument |
| DD-Duplicate |
Rs.25/- per instrument |
| DD-Revalidation |
Rs.25/- per instrument |
| PO-Issue |
Not applicable |
| PO-Cancellation |
Not applicable |
| PO-Duplicate |
Not applicable |
| PO-Revalidation |
Not applicable |
| TT-Issue |
Not applicable |
| TT-Cancellation |
Not applicable |
| TT-Duplicate |
Not applicable |
| TT-Revalidation |
Not applicable |
| EFT Charges-inward |
Not applicable |
| EFT Charges-outward |
Not applicable |
| RTGS-Outward |
Not applicable |
| RTGS-Inward |
Not applicable |
| Collection of cheques |
Through HDFC Bank - |
| |
Charges as per other Bank OBC + Rs.15/- |
| |
or Rs.35/- as charged by HDFC Bank |
| |
|
| Foreign Exchange Transactions |
|
| Remittance Outward Through |
0.25%Com.+ Service Tax+551 Telex charges |
| Remittance Inward Bank of Maharashtra only |
Rs.113/- (Bank of Maharashtra charges) |
| TCs-Selling |
1% Commission |
| TCs-Encashing |
No charges |
| TCs-Foreign Currency |
Not applicable |
| |
|
| Cheque Collection |
|
| Local |
NIL |
| Outstation through own bank |
Rs.1/- to Rs.500/- - NIL |
| |
Rs.501/- to Rs.10000/- - Rs.20/- |
| |
Rs.10001 to Rs.1 Lakh - Rs.2/- per thousand |
| |
Above Rs.1 Lakh Rs.2.50 per thousand |
| |
Maximum Rs.2500/- |
| |
Postage - NIL |
| |
|
| Outstation through another bank |
Rs.1/- to Rs.500/- - 20/- |
| |
Rs.501/- to Rs.10000/- - Rs.2/- per thousand |
| |
Rs.10001 to Rs.1 Lakh - Rs.3/- per thousand |
| |
Above Rs.1 Lakh - Rs.3.50 per thousand |
| |
Maximum Rs.3500/- |
| |
Postage - Actual |
|
| Cheque return charges : |
|
| Bouncing of cheques-Local |
Upto Rs.10000/- - Rs.100/- |
| |
Above Rs.10000/- - Rs.100/- + 1.50 per |
| |
thousand |
| Bouncing of cheques-outstation-through own bank |
Upto Rs.10000/- Rs.100/- |
| |
Above Rs.10000/- - Rs.100/- + 1.50 per |
| |
thousand |
| |
Postage - Nil |
| |
|
| Bouncing of cheques-outstation-through |
Upto Rs.10000/- Rs.100/- |
| another bank |
Above Rs.10000/- - Rs.100/- + 1.50 per |
| |
thousand |
| |
Postage - Actual |
| Retail Loan |
|
| Loan Processing Charges |
Home loan Rs.1500/- per proposal |
| |
Emergency loan - Rs.15/- per proposal |
| |
Sabhasad Palya Rs.15/- per proposal |
| |
Gold Loan Rs.50/- per proposal |
| |
Surety loan Min.Rs.50/-,Upto Rs.50000/ |
| |
Vehicle loan + Rs.50/- for each part of |
| |
(2 & 3 Wheeler) Rs.50000/- |
| |
Secured loan |
| |
|
| |
4 Wheeler Veh.Loan Min.Rs.100/- upto |
| |
Cash Credit + BD Rs.1 lac + Rs.50/- for |
| |
each part of Rs.50000/ |
| |
(Service tax extra) |
| |
|
| |
Share O.D. - 0.1% of sanctioned limit |
| |
|
| Prepayment Charges |
Flat 3% on O/s bal. On the date of closure |
| |
for Term Loan |
| |
Cash Credit, B.D. |
| |
Project Finance |
| |
(Including advances to builder) |
| |
|
| | | | |
