Loans are allowed for various purposes like
Any properly identified person/existing customers who are properly identified and accepted as a customer as per KYC-AML guidelines
Minimum purity of 20 ct will be accepted.
Hypothecation of the Gold Jewels in the form of jewelry, ornament. (Gold Coins sold by various Banks – will be treated as jewelery) .Bullion or primary gold will not be accepted.
Subject to max LTV(Loan To Value ratio) of 75%
Tenor One year
With Hall Marking
916/ Corresponding to 22 carat
875/ Corresponding to 21 carat
Without Hall Marking
Gold Coins: Our Bank/Other Banks
Gold coins with 999.9 purity(corresponding to 24 ct)
Gold coins with 916 purity
No Processing charges
Appraising charges : 1% of the loan amount sanctioned.
50% concession in applicable charges for the limits above Rs.2.00 lakhs.
AS A PART OF RISK MITIGATION MEASURE, DEBIT CARDS ISSUED AFTER 30-11-2013 ARE ENABLED FOR DOMESTIC TXNS ONLY. FOR FURTHER DETAILS PLEASE CONTACT OUR BRANCH.
You can now donate to Shri Saibaba Sansthan Trust, Shirdi through IMPS-Mobile Banking.
Presentation to Analysts
Our Total Income
during 12M of FY’12-13 increased to Rs. 13,957 Crore,
recording a growth of 14.4%.
Form 15G/15H has to be submitted afresh at the beginning of each financial year to avail exemption/concession in TDS. Quoting of PAN is mandatory for availing such exemptions/concessions.
All our Banks’ cheques are “payable at par henceforth. We request all our customers to surrender their old cheque books at their account branch and obtain CTS 2010 Standard Cheque books immediately.
We request all our customers who have issued postdated cheques for repayment of loan installments for loans availed by them to replace the old PDCs with new CTS 2010 Standard cheques.
Online Grievance Redressal System with Tracking
Online Applications for MSME and Retail Loans
Online Donations to charitable institutions through net banking
Online resetting of Internet Banking Login Password
Interbank transfer of Funds through Mobile Banking using IFSC code
Housing loans - festive offer: 100% waiver of processing charges and assured speedy processing, sanction within 5 working days.
As per RBI mandate, cash retraction facility is discontinued from our ATMs. Do not forget to collect cash before leaving ATM room.
Any customer could walk in to deposit money in any branch of the bank if the account is in any other branch of the bank to which he wants to deposit the money and there will be no charges on this for any amount
Fictitious Offers of Cheap funds from abroad - Awareness Campaign - List of Nodal Agency (Cyber Crime Cell / Economic Offence Wing)
Complain to Local Police/Cyber Crime Authorities against Fictitious Offers of Money from Abroad
PPF and SCSS schemes
Do Not fall Prey to Fictitious Offers of Funds Transfer