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Financial Inclusion

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FI Savings Products

Products under HCCB Financial Inclusion:

 

No Frills Acoount:

This is a Basic Savings Bank Deposit Account with minimum necessary banking facilities that can be opened with zero balance and with no minimum balance maintenance condition.

Salient Features:

  • All resident individuals except NRIs,trusts, societies, etc. can open this account.
  • No cheque book facility will be available.
  • Number of free customer induced debit entries will be restricted to 30 per half year
  • Total credits in the account should not exceed Rs.1,00,000/- in a year.
  • There is no restriction on entries for deposit of Cash/Cheques in the account.
  • Nomination facility is available.
  • The balance in all the accounts of the accountholders taken together in the bank should not exceed Rs.50,000/-.\
  • Note: If at any point of time the balance in the NO FRILL ACCOUNT exceeds Rs. 50,000/- or total credits in the account in a year exceed Rs.1,00,000/-, such account will be freezed and  the account will converted  to  a regular saving account after completion of KYC formalities

HCCB Deposit Linked Bima Yojna:

 Sehkari Bank Bima Yojna (SBBY) Scheme is available for the account holders of age group of 10-70 years (only singly operated accounts) of the Bank to cover personal accident risk at nominal premium payment. The existing account holders of the bank can also opt for adoption of the scheme.

Terms and Conditions.:

1.The account holder is obligated to keep a minimum balance in the account and penalty for not maintaining minimum balance shall be levied as given in below table

Risk Cover(Rs.)

Minimum Balance Requirement (Rs.)

Penalty (Rs. per month)

 

100000/-

1550/-

5/-

 

300000/-

3000/-

10/-

 

500000/-

5000/-

15/-

 

2. In case premium is not remmitted by the bank to insurance company due lack of sufficient balance in the bank or for any other reason beyond the scope of the bank insurance cover will not be available for that account holder.
3. Other terms and conditions in detail can be obtained from nearby HCCB branch.