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Sbi Fixed Deposit카테고리 없음 2021. 7. 16. 11:41
You are here:e-TDR/e-STDR FAQe-TDR/e-STDR FAQ
1. Can I open a Term deposit account through Internet banking?
The revised SBI rates are effective from January 8 and apply on retail FDs of less than Rs 2 crores. The bank has hiked the interest rates on fixed deposits (FDs) for 1 year to less than 2 years by 10 basis points (bps). Park your lump sum amount in an SBI Term Deposit and avail of features like guaranteed returns, choice of interest payout, liquidity through OD or premature withdrawal. Invest today through OnlineSBI. SBI or the state bank of India under the reference to rules and regulations by the reserve bank of India has bought down good policies and fixed deposit interest rates for its customers. Every scheme launched is equally special and is considered a better option for all age groups. In 2020, the State Bank of India (SBI) launched a special fixed deposit (FD) scheme for senior citizens called, SBI 'WECARE' Senior Citizens' Term Deposit scheme. The scheme has been made available for investment from 12 May 2020. The bank has extended the last date of investing in the scheme to March 31, 2021. Deposits Fixed Deposit Recurring Deposit Flexi Deposit Scheme Annuity Deposit scheme MOD SBI Tax Savings Scheme-2006 MACAD Reinvestment Plan SBI Holiday Savings Account(Cox & Kings) SBI Holiday Saving Account.
Yes, if you have Internet banking user name and password, and at least one transaction account mapped to the username.
2. What is the minimum tenure for an online deposit?
As a general rule the minimum tenure for a term deposit is 7 days and the maximum is 10 years. However Both TDR and STDR are bound by the following minimum and maximum tenures. Minimum tenure is 7 days for TDR and
180 days for STDR and Maximum tenure is 3650 days for TDR and STDR.3. What are the interest rates for a term deposit?
The interest rates vary from time to time. You can view the latest interest rates by clicking on 'View current interest rate' link provided in e-TDR/e-STDR request page.
4. What is the minimum amount for a term deposit?
You can open a term deposit with a nominal amount of Rs.1000/- , however minimum & maximum amount limit may vary for different product codes.
5. Can I generate a term deposit advice?
Yes, you can generate and print a term deposit advice containing all your relevant details.
6. In whose name will the term deposit account be opened? What is the mode of operation?
The name(s) and mode of operation and branch of newly generated deposit a/c will be same as in debit a/c, from which term deposit a/c is funded.
7. How is the maturity amount calculated? Can I make enquiry before opening e-TDR/e-STDR?
The maturity amount is based on the tenor& type of a/c selected by customer. You may enquire the maturity amount, maturity date and rate of interest, without opening e-TDR/e-STDR through 'Enquiry' tab available in e-TDR/e-STDR page.
8. What are the types of accounts from which I can debit an amount for the deposit?
You can debit a savings, current, or OD account to open term deposit. The account selected for debiting should be valid transactional a/c through Internet Banking channel and should not be a stopped / dormant / locked account.
Sbi Fixed Deposit Amount
9. How can I renew or pre-mature my deposit a/c.?
The Special term deposit a/c will be automatically renewed at the time of maturity if you do not approach Branch for payment / renewal on maturity. For prematurity of deposit a/c you may use 'close a/c' tab under e-TDR/e-STDR link. The maturity proceeds will automatically transfer your debit a/c from which e-TDR/e-STDR was originally funded at the time of opening.
Sbi Fixed Deposit Form Pdf
10. Can I close my e-TDR/e-STDR instantly through 'close a/c' tab?
Yes, you may close your e-TDR/e-STDR instantly if request is initiated between 08:00 AM IST to 08:00 PM IST. Request initiated beyond this period will be scheduled for next opening hours ie 08:00 AM IST.
11. Can I close TDR/STDR opened at the branch?
No, Only e-TDR/e-STDR can be closed through 'close a/c' tab. TDR/STDR opened at branch can be closed at branch only.
12. Can I open online term deposit a/c for any other name(s), not belonging to debit a/c from which term deposit a/c is funded.
13. Can I transfer the maturity money to any of my accounts?
No, maturity amount or the amount payable before maturity will be transferred only to the debit account from which it was funded.
14. Can senior citizen avail additional rate of interest on term deposit?
Yes, Senior citizen can also avail additional rate of interest in e-TDR/e-STDR. The date of birth in Bank's record will be considered for age calculation. The minimum days and minimum amount applicable for additional rate of interest for senior citizen will be as per Bank's policy. In case of joint accounts, the Senior Citizen benefit can be availed only if the first account holder qualifies for this benefit.
15. What is the validity of advice automatically generated through SBI online banking system?
The advice is equally valid as provided by branch. Internet Banking customers are advised to take printout of term deposit advice after generation of deposit a/c. However if presented at the Branch for payment, Branch will verify all the details shown in advice before proceeding further.
16. How can I add nominees in Term Deposit a/c?
While opening an e-TDR/e-STDR, you will be provided with an option to retain the nominee(s) for term deposit a/c as in debit a/c from which it is funded
17. Can I add a new nominee online?
No, you will have to visit your branch for adding a new nominee.
18. Is there any cut off time for creating e-TDR/e-STDR online?
Yes. e-TDR / e-STDR can be created online from 8:00 AM IST to 8:00 PM IST. Requests initiated beyond this period will be scheduled for the next opening hours.
19. Can I open fixed deposit for tax exemption under Sec 80C of Income Tax Act?
Yes, for this you have to choose the option 'e-TDR / e-STDR under Income Tax Saving Scheme'.