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Service Charges & Fees
 bulate Deposit Account

Nature Rate of interest(%) Minimum Balance
(In Rupees)
  Normal Senior Citizen Rural Semi Urban Urban
1 Savings Bank Account          
A Domestic          
a With cheque book facility 4.00 4.00 250 250 500
b Without cheque book facility 4.00 4.00 100 250 250
c No Frills Account 4.00 4.00 5 5 5
B Non Resident          
a NRO 4.00 4.00 250 250 500
b NRE 4.00 4.00 250 250 500
 bulateInterest Rates on Domestic Term Deposits w.e.f., 08.08.2014

Rates of Interest on Domestic Term Deposits have been revised with effect from 08.08.2014. With this revision, the interest rates offered on domestic term deposits for various periods are as under


Maturity Period

Rates of interest (%) per annum

Less than 
Rs.1.00 crore

Rs.1.00 Crore to Rs.10.00 Crore 

Above Rs.10 Crore to Rs.50 Crore *

Above Rs.50 Crore to Rs.100 Crore *

Above Rs.100 Crore *


7 days to 14 days #

6.00  8.26  8.26  8.26  8.26  


15 days to 45 days

6.00  8.26  8.26  8.26  8.26  


46 days to 90 days

7.80  8.26  8.26  8.26  8.26  


91 days to 179 days

8.00  8.26  8.26  8.26  8.26  


6 months to < 9 months

8.50  8.50  8.50  8.50  8.50  


9 months to < 1 year



1 year to 443 days


444 days


445 days to 2 years


Above 2 years to 3 years

9.00  8.75  8.50  8.50  8.50  


Above 3 years to 10 years

8.75  8.75  8.50  8.50  8.50  
# For deposits up to and inclusive of Rs.1.00 Lac and above.
* For Deposits of above Rs.10.00 Crore, branches should obtain permission from General Manager, Corporate Planning Department, Head Office before quoting and accepting the Deposit.
For Senior Citizens, the rate of interest is 0.50% higher for all maturity periods. Existing / Retired Staff are eligible for additional rate of interest as per rules.
The interest rate on AB Smart Choice Deposits stands revised to 8.26% from 8.05% per annum effective from 08.08.2014. The rate of interest on AB Tax Saver Deposits for a period of 5 years continues at 9.10 % p.a. up to Rs. 1.00 Lac only.
 NRE ACCOUNTS With effect from 04.07.2014

Rates of interest on NRE term deposits have been revised with effect from 04.07.2014 With this revision, the interest rates offered on NRE term deposits for different maturity periods are as under

Period Rate of Interest (%) p.a.
  Less than Rs.1 Crore Rs.1 Crore to Rs.10 Crore
1 year to 2 Years 9.00 9.00
Above 2 Years - up to 3 years 9.00 8.75
Above 3 Years- up to 10 years 8.75 8.75
The revised interest rates are applicable to all fresh deposits and renewals of the existing deposits with effect from 04.07.2014

*For Deposits of above Rs. 10.00 Crore branches should obtain permission from General Manager, Corporate Planning Department, Head Office before accepting the Deposit. · Senior Citizen and Staff Rate of interests are not applicable for NRE/NRO Deposits.

 FCNR(B) Deposits : Interest Rates w.e.f., October 01, 2014

The revised interest rates on FCNR [B] Deposits with effect from October 01, 2014 are as under :
Currency1 Year & above but less than 2 Years2 Years & above but less than 3 Years3 Years & above but less than 4 Years4 Years & above but less than 5 Years5 years

[Figures in brackets denote previous month interest rates]

The above interest rates on FCNR (B) Deposits are applicable only to the fresh and renewed deposits from October 01, 2014

bulate Base Rate @ 10.25% p.a.   Andhra Bank's Base Rate has been increased by 25 basis points i.e. from 10 % p.a. to 10.25% p.a. w.e.f. 19.08.2013. The revised rate is applicable to all the loans and advances that are sanctioned/ renewed on or after 01.07.2010 which are linked to Base Rate. This revision is also applicable to all borrowal accounts who switched over from BMPLR to Base Rate system   bulate BMPLR @ 14.50% p.a.   Andhra Bank's BMPLR (Bench Mark Prime Lending Rate) has been increased by 25 basis points from 14.25 % to 14.50 % p.a. with effect from 19.08.2013. The revised BMPLR is applicable to all loans and advances availed on or before 30.06.2010 and are linked to BMPLR.
 Short term production loans(PAGCC/KCC), in respect of accounts

  For individual borrowers For Corporate & Non-Corporate borrowers
Tobacco under tie up BR BR
All other crops (including Nurseries) BR + 1.75% = 12.00% p.a.
Rating under CRS/CRAS Rating under CRRM Interest rate
A+++ A++ BR+1.50%
A+ A+ BR+1.75%
A A BR+2.00%
B B++ BR+2.00%
C B+ and B BR+2.50%
D C Not acceptable
Agricultural Gold loans BR + 1.75% = 12.00% p.a. Not Applicable
Working capital limits to Poultry/ EMU birds BR + 1.00% = 11.25% p.a.
Rating under CRS/ CRAS Rating under CRRM Interest rate
A+++ A++ BR+0.50 %
A+ A+ BR+0.50 %
A A BR+0.75 %
B B++ BR+1.00%
C B+ and B BR+1.25 %
D C Not acceptable
Fisheries (inland fisheries and prawn culture) BR +1.50% = 11.75% p.a.
Rating under CRS/ CRAS Rating under CRRM Interest rate
A+++ A++ BR+1.50 %
A+ A+ BR+1.75 %
A A BR+1.75 %
B B++ BR+2.00 %
C B+ and B BR+2.50 %
D C Not acceptable
Kisan Sampathi (Produce Marketing loans)
Loans up to Rs.5.00 lac
Loans above Rs. 5.00 lac up to Rs.10.00 lac
Loans above Rs. 10.00 lac up to Rs.25.00 lac
BR = 10.25% p.a.
BR+0.50=10.75% p.a.
BR+1.50=11.75% p.a.
BR = 10.25% p.a.
BR+0.50= 10.75% p.a. BR+1.50=11.75% p.a.
Self Help Groups (cash credit) Both farm& non farm sector BR+3.25% =  13.50% p.a. Not applicable

 Investment Credit:

  For individual borrowers

For Corporate & Non-Corporate borrowers

Poultry / EMU birds BR + 1.00%+TP = 11.50% p.a
Rating under CRS/ CRAS Rating under CRRM Interest rate
A+++ A++ BR+0.50 +0.25tp
A+ A+ BR+0.50 +0.25 tp
A A BR+0.75 +0.25 tp
B B++ BR+1.00 +0.25 tp
C B+ and B BR+1.25 +0.25 tp
D C Not acceptable
Horticulture (including Grape cultivation) & Plantations (coconut, Coffee, Tea, Rubber and mixed crop plantations) All other Ag. term loans: (for land development, Minor irrigation and wherever activity is not specified) Agril. allied activities: Dairy, Sheep & Goat, Sericulture (till cocoon rearing) and all other allied activities (other than Poultry) Fisheries (inland fisheries and prawn culture)   BR +1.50% + TP (0.25%) = 12.00%p.a
Rating under CRS/CRAS Rating under CRRM Interest rate
A+++ A++ BR+1.50+0.25tp
A+ A+ BR+1.75+0.25tp
A A BR+1.75+0.25tp
B B++ BR+2.00+0.25tp
C B+ and B BR+2.50+0.25tp
D C Not acceptable
Self Help Groups (Term loan) Farm & non farm sector BR + 3.25% +tp 0.25 =13.75% p.a. Not applicable
Kisan tatkal scheme BR+0.50=11.75% p.a Not applicable
Farm Mechanisation
Tractors, Power Tillers, Trailors and agril. implements BR +2.75+0.25 tp =13.25% p.a BR +2.75+0.25 tp =13.25% p.a
Combined Harvesters, Sugarcane Harvesters, and other crop harvesters BR+ 2.00 + TP (0.25%) = 12.50%p.a BR + 2.00 + TP (0.25%) = 12.50%p.a
  For individual borrowers For Corporate & Non-Corporate borrowers
Kisan Chakra Two wheelers:
BR+1.00 = 11.25% p.a Four Wheelers:
BR+0.50 = 10.75% p.a
(term premia @ 0.25% extra,wherever repayment beyond 36 months) 
Not applicable
Others For individual borrowers For Corporate & Non-Corporate borrowers
AB KISAN RAKSHAK (Debt swapping for Farmers) BR + 2.50 + 0.25 = 13.00% p.a Not applicable
Production and Distribution of Seeds BR+2.50+tp(0.25%)= 13.00% p.a BR+2.50+tp(0.25%)= 13.00% p.a

 Indirect Finance to Agriculture

  For individual borrowers For Corporate & Non-Corporate borrowers
Rural Godowns (construction/ repairs/ outright purchase) (irrespective of the capacity) BR + 0.75 + TP (0.25) =11.25% p.a

BR + 0.75 + TP (0.25) =11.25% p.a
(not linked to credit rating)

Micro Finance Institutions (MFI) of all categories (VA/ NBFC-MI/ NGO)         Not applicable
Rating under CRS/CRAS Rating under CRRM Interest rate
A+++ A++ BR+1.75+TP
A+ A+ BR+2.00+TP
A A BR+2.25+TP
B B++ BR+2.50+TP
C B+ and B BR+2.75+TP
D C Not acceptable
  For individual borrowers For Corporate & Non-Corporate borrowers
Scheme for financing setting up of Agri Business Clinics/Agri Business centres BR+6.50+tp (0.25%) = 17.00% p.a BR + 6.50+ tp (0.25%) = 17.00% p.a
(non- corporate borrowers )
Development/strengthening of Agricultural Marketing infrastructure, grading & standardization (interest to be charged on loan component excluding subsidy portion) BR+0.75+tp (0.25%) = 11.25% p.a. BR + 0.75 + tp (0.25%) = 11.25% p.a.
Dairy Agents for procurement of Milk
Up to Rs.50000 BR+2.75+tp (0.25%) = 13.25% p.a. Not applicable
Above Rs.50000 up to Rs.3.00 lac BR+4.00+tp (0.25%) = 14.50% p.a. Not applicable
Loans to Sheep Agents:
Up to Rs.50000 BR+2.75+tp (0.25%) = 13.25% p.a. Not applicable
Above Rs.50000 up to Rs.2.00 lac BR+3.50+tp (0.25%) = 14.00% p.a. Not applicable

 Loans routed through FSCS/PACS/LAMPS

  Bank to Society Society to Members
Crop Loans and *Agricultural Gold Loans
(For Loans up to and inclusive of Rs.2.00 lac):
Whenever Interest Subvention is available 7% p.a. 7% p.a.
Whenever Interest subvention is not available or after due date:

i) Up to Rs.50,000
ii) Above Rs.50,000 upto Rs.2.00 lac
BR=10.25% p.a.
BR + 0.50% = 10.75% p.a.
BR+1.50 =11.75% BR+2.75 =13.00%
Term Loans: BR+2.00+tp(0.25%)= 12.50% p.a. BR + 4.00+ tp (0.25%)= 14.50% p.a.
CCATL: a) Up to Limit of Rs.50,000/-
b) Above Rs.50,000/- up to Rs.2.00 lac
BR = 10.25 % p.a.
BR + 0.75% p.a.=
BR+1.50=11.75% p.a BR+2.75=13.00% p.a

 Refinance limits sanctioned to Regional Rural Banks (sponsored by our Bank)

STL (Seasonal Agricultural Operations) BR (Fixed) p.a.
STL (Seasonal Agricultural Operations –District Tribal Plan) BR (Fixed) p.a.
STL (Other than Seasonal Agricultural Operations) BR (Fixed) p.a.
Special Line of credit (clean overdraft BR + 0.25% (floating)

 Loans to farmers for purchase of renewable Energy Equipments for Agriculture & Allied activities

Financing Solar Energy based pump set loans BR +0.75+tp =11.25% p.a
Solar water Heaters BR +0.75+tp=11.25% p.a
Solar Home lighting Scheme BR +0.75+tp=11.25% p.a

Under Interest Subvention Scheme : For Pattabhi Agri cards, Agricultural Gold Loans interest rate is 7% pa. upto credit limits of Rs.3.00 lakhs till due date of the loan or date of repayment subject to a maximum period of one year . 

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News & Events

Waiver of processing charges in Housing Loans, Car Loans, Two wheeler loans, Consumer durables, Clean Loans for the festive season from 25.09.2014 to 31.12.2014

The existing customer grievance redressal mechanism would also cover the complaints relating to outsourcing

Use your Visa Debit Card for shopping in POS/Online within 3 months of card issuance & get 5% Cash back. Offer applicable to cards issued after December 2013,T&C Apply


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

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

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