Exclusive benefits of a Premium 2 in 1 Savings Account:

• Earn Term Deposit interest rates.
• Minimum amount of first deposit is Rs.50,000.Subsequent deposit can be made of a minimum value of Rs.10,000 and in multiples of Rs.1,000 thereafter
• Average Quarterly Balance Requirements for Premium 2 in 1 Savings Account is as under :-
• Combined Average Quarterly Balance of Savings Account and all linked Term Deposits >= Rs.250,000
  OR
  Average Quarterly Balance of Savings Account  >= Rs.50,000
• 95% of the break value of all linked Term Deposits.
• Enjoy the flexibility of a Savings Account
• Get a free personalized cheque book
• Platinum Debit card with a special promotional offer*
• Discounts on Locker Fee**
• All Term Deposits created from the Premium 2 in 1 Savings Account will be by default linked to the account.
• Withdraw money whenever you need it
• Deposit more money in your account to earn a higher rate of interest by placing subsequent deposits
• Account related information at your fingertips by calling up Phone Banking

* As a special promotional offer on Platinum Debit Cards issued till January 25, 2012 for Premium 2 in 1 Savings Account, the first year fees applicable will be Rs.499. Second year onwards, annual Platinum Debit Card fees of Rs.799 shall apply.

** 25% discount for all customers maintaining AQB.

The Premium 2-in-1 Savings Account by default links your Term Deposits to a Savings Account. In case of any shortfall in the Savings Account, funds will be automatically swept in from the linked Term Deposits, thus giving you a combination of both liquidity and higher returns.

That's not all. In case you need to withdraw amounts in excess of what is available in your Savings Account, we will break your deposit for the exact amount you require. The rest of the deposit continues as per the original tenure.

Interest Rate (Carded- Amount Less than INR 15 Lacs) for Term Deposits W.E.F Dec 01, 2011.Please contact our nearest branch for Interest rate applicable on INR 15 lacs and above
Domestic and NRO Deposits
Tenure	Current Rate Effective	Revised Rate effective
	10 - Nov - 11	01 - Dec - 11
07-14 days	6.25%	6.25%
15-29 days	6.25%	6.25%
30-45 days	6.25%	6.25%
46-59 days	6.25%	6.25%
60-89 days	7.00%	7.00%
90-120 days	7.50%	7.50%
121-179 days	7.50%	7.50%
180 days <= 186 days	7.75%	7.75%
187 days*	9.50%	9.25%
188 days <1 Year	7.75%	7.75%
1 year <= 371 days	7.75%	7.75%
372 days	8.00%	8.00%
373 days <18 months	7.75%	7.75%
>=18 Months < 2 years	8.00%	8.00%
2 years < 3 years	8.25%	8.25%
3 years < 4 years	8.25%	8.25%
4 years <= 5 years	8.25%	8.25%