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Banking :
Banking

Commercial banks are mainly concerned with managing withdrawals and deposits as well as supplying short-term loans to individuals and small businesses. Consumers primarily use these banks for basic checking and savings accounts, certificates of deposit and sometimes for home mortgages. Investment banks focus on providing services such as underwriting and corporate reorganization to institutional clients.

Reserve Bank is exploring the possibility of providing SMS-based mobile banking on all types of handsets and has formed a committee to consider the feasibility of such a facility. A Technical Committee on Mobile Banking has been set up to "examine the options/alternatives including the feasibility of using encrypted SMS-based funds transfer using an application that can run on any type of handset for expansion of mobile banking in the country," the central.

Banking
Different Services We provide:

 - Saving Account
 - Current Account
 - Debit Cards
 - Credit Cards
 - Fixed Deposit


Saving Account :


A deposit account held at a bank or other financial institution that provides principal security and a modest interest rate. Depending on the specific type of savings account, the account holder may not be able to write checks from the account (without incurring extra fees or expenses) and the account is likely to have a limited number of free transfers/transactions. Savings account funds are considered one of the most investments outside of demand accounts and cash.  More information
 - No restriction on the number and amount of deposit
 - Saving account is of continuing nature.
 - No loan facility is provided against saving account.
 - Withdrawals are allowed subject to certain restrictions.

Current Account :

In current account, amount can be deposited and withdrawn at any time without giving any notice. It is also suitable for making payments to creditors by using cheques.  More information
 - Non-interest bearing bank account.
 - No restriction on the number and amount of deposits
 - No restriction on the number and amount of withdrawals made
 - Does not pay any interest on current account

Fixed Deposit :

Under fixed deposit account, money is deposited for a fixed period say six months, one year, five years or even ten years. The money deposited in this account can not be withdrawn before the expiry of period.  More information
 - Amount can be deposited only once
 - Withdrawals are not allowed
 - A high interest rate is paid on fixed deposits.








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