Cash Track Fixed Deposit and Overdraft Account

This scheme is the Blend of both TERM DEPOSIT as well as emergency loan in the form of OVERDRAFT to face the financial critical conditions with ease

Salient features of Cash Track Deposit product


Minimum of Rs.10000/- and no ceiling on Maximum amount.

Rate of Interest

Interest as per prevailing interest slabs as applicable to general Term Deposits depending on term of deposits. ROI is subject to the revision, which will be communicated to you from time to time.

TDS deductions

Applicable as per extant guidelines of IT Dept.


3 Years and above up to a maximum of 10 years.

Premature Closure

ROI applicable for the period for which the deposit has remained in the Bank as per prevailing slab rates minus 1% Penal interest is to be paid.

Auto Renewal

No Auto-Renewal for this deposit.

  • This product is also covered under DICGC.
  • Regular Membership is compulsory.

Salient features of Cash Track Overdraft product

Over Draft Limit

Up to 75% of the balance in Cash Track Deposit. Overdrawing is not allowed. The limit shall be reviewed every year.

Premature closure of Deposit

If the Cash Track deposit account is closed prematurely, the Over Draft account should be closed on the same day and interest on OD shall be at the contracted rate i.e. interest rate as on the date of opening of OD account.

Rate of Interest

1.50 % PA over and above the ROI applicable to Cash Track Deposit.

Penal Interest

1.50 %

Sanctioning Authority

Branch Manager

Debit card Issuance charges



Sanctioned The limit is for one-year subject review every year.

Auto Renewal

No Auto-Renewal for this deposit.

Product Details in Software

Cheque Book charges

Rs.2/- per leaf

Incidental Charges

Rs.100 per Half Year

Debit card facility

Instant or Personalized Debit card facility is also available.

Inward Cheque Return charges

Rs.250 per cheque.