Term Deposits - FAQs

What is the minimum tenor for which Retail Term Deposit can be kept with Bharat Bank?
The minimum tenor for retail term deposit is 7 days.
Mon, 4 May, 2020 at 4:37 PM
What is the minimum amount for which a Retail Term Deposit can be made with Bharat Bank?
The minimum amount is Rs.1,000/- under Retail Term Deposit.
Mon, 4 May, 2020 at 4:40 PM
What is the frequency of compounding under cumulative/reinvestment option in the Term Deposit of Bharat Bank?
Interest on Fixed Deposits will be applied quarterly in case of Quarterly Interest Deposits, Double Benefit Plan & Tax Saving Fixed Deposits.
Mon, 4 May, 2020 at 4:48 PM
What is the interest rate applicable for Term Deposits?
The Interest Rates on term deposit of the bank is subject to change from time to time and the same is provided on the website of the Bank (link shown below)...
Mon, 4 May, 2020 at 4:50 PM
What are the interest payment options available under Term Deposit with Bharat Bank?
Interest on Fixed Deposits will be applied quarterly in case of Quarterly Interest Deposits, Double Benefit Plan & Tax Saving Fixed Deposits. Interest...
Tue, 12 May, 2020 at 5:03 PM
Are the interest rates same under all interest pay out or cumulative/ reinvestment option?
The applicable interest rate as indicated in the interest table is applicable for all options of interest pay-out except monthly (discounted) interest payme...
Mon, 4 May, 2020 at 4:54 PM
Is the Term Deposit exempt from Tax or is any tax rebate available under any Term Deposit Option?
Normal Term deposits are not exempt from tax and Interest on Term Deposits is subject to Tax Deduction at Source as per extant Tax laws.  Tax Rebates ar...
Mon, 4 May, 2020 at 4:55 PM
Does the Bank offer any special interest rate for Senior Citizen on its Term Deposits?
Yes, an additional mark-up for Senior Citizen Interest rates is applicable in case of deposits kept for 12 months or above.  Please check Bank’s website for...
Sat, 9 May, 2020 at 6:36 PM
While opening Fixed Deposit account, which documents are required to be submitted in case of new customer?
For opening of a Term Deposit Account for the first time, the duly filled and signed Account Opening Form (AOF), Customer Details form (CDF) with photograph...
Mon, 4 May, 2020 at 5:01 PM
If I have an existing Customer ID, do I need to go through the procedure and formalities of account opening again?
No, You just have to submit the Account Opening form which contains the details of your deposits like amount, period, nomination and instructions for intere...
Mon, 4 May, 2020 at 5:03 PM