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S. B. Account is generally opened for the purpose of savings for the future. Interest is paid on the balance maintained at the rate specified by Reserve Bank of India from time to time. Restrictions are not imposed as far as number of time the deposits can be made and amount of deposits at any time.
Current Accounts are generally opened by Traders, Business Community, Corporate as well as Government Bodies both for depositing cash/cheque and making payments on account of business transactions. These accounts have been designed specially to meet their business requirements.
The term Fixed Deposits means deposits which are not repayable on demand but is repayable after the expiry of a fixed period. In the case of these deposits, the period of deposit is fixed at the time of opening the account and making the deposit. The period of deposit should not be less than 15 days or as per the instruction given by the Bank.
Reserve Bank of India has permitted banks to formulate Fixed Deposit Schemes specifically meant for Senior Citizen offering higher rate of interest as compared to normal deposit rate of interest. Accordingly, the Bank offers 0.5% p.a. additional rate of interest on all Term Deposits and Recurring Deposit Accounts standing in the name of Senior Citizen.