1. LONG TERM DEPOSIT POLICY Divya Padmanabhan Roll No. 861 Semester VI

2. INTRODUCTION The Dombivli Nagari Sahakari Bank Ltd.Began operations on 6th September, 1970 It achieved the status of a scheduled bank in 1996 Core Banking Services From Year 2006 Corporate Office- Sonarpada, Dombivli (East) Registered Office- Ambika Nagar, Dombivli(West) 3. LONG TERM DEPOSIT POLICY 4. Long Term Deposits DNSB has multiple term deposit plans whichtry to serve their varied range of clients. The maximum period of deposit is 10 years. 5. MATURITY PERIODINTEREST RATES General Public and Trusts (p.a.)Sr. Citizens (p.a.)Above 9 Months to 15 months9.25%9.50%Above 15 Months to 24 months9.00%9.25%Above 24 months to 36 months8.75%9.00%Above 36 months to 60 months8.50%8.75%Above 60 months8.00%8.25% 6. TYPES OF DEPOSITORS Individuals Firms Corporate entities Regd. Societies Body of Individuals, HUFs, Trusts etc, Other commercial banks can invest in thesedeposits as part of their non-SLR portfolio. Non-members and also those residing outside the area of operation of the Bank can also invest in DNSBs Long Term Deposits. 7. SAHABHAG Any Individual, Society, HUF, Club, School,Partnership firms, Pvt. Ltd. & Ltd. Cos. etc. can invest Minimum lock in period - 5 Years and 6 Months Investment: Minimum of Rs. 50,000 and thereafter in multiples of Rs. 10,000/- each Premature Withdrawal: Not Allowed 8. DHANSAGAR DEPOSIT SCHEME Any Indian Resident can invest No lock in period Premature Withdrawal: Allowed; Penal Interest isApplicable Benefits: Cumulative interest calculated. Nomination facility available. TDS not applicable for Shareholders. 9. SHUBHANKAR DEPOSIT SCHEME Any Tax Payer / Individual can invest Minimum lock in period: 5 years Premature Withdrawal: Not Allowed Benefits Tax deduction u/s 88 of Income Tax. Investment up to Rs. 1 Lac. Quarterly Interest payment facility available. Average yield more than 9.75% (Approximately). With Quarterly Interest Payment Option 10%p.a. 10. KANSANCHAY DEPOSIT SCHEME Any Indian Resident can invest Lock in period: Not Applicable Premature Withdrawal: Allowed ;Penal Interest isApplicable. Benefits: Small Savings. Very useful for small businessmen for Rs. 20/- dailydeposit scheme. Rs. 10,000/- loan available under easy loan scheme 11. ARTHVRUDDHI DEPOSIT SCHEME AUTO RENEWAL SCHEME Any Indian Resident can invest Lock-In Period : Not Applicable Premature Withdrawal: Allowed; Penal Interest isApplicable. Benefits : Loan facility. Customer need not to come to the bank for everyrenewal. TDS not applicable for Shareholders. (facility will be applicable as per Income tax Act) 12. FIX DEPOSIT SCHEME (YEARLY DEPOSIT SCHEME) Any Indian Resident can invest Premature Withdrawal: Allowed; Penal Interest isApplicable. Benefits : Loan facility available. Interest amount credited to their respective A/cperiodically. TDS will not be applicable for Shareholders 13. "ANANT" Deposit Scheme Any Indian Resident can invest Lock in period: 300 Days Premature Withdrawal: Allowed; Penal Interest isApplicable. Benefits : Loan facility available. TDS will not be applicable for Shareholders. 14. RECURRING DEPOSITS Any Indian Resident can invest Lock-In Period : As per period of Deposit. Premature Withdrawal :Allowed; Penal Interest isApplicable. Benefits : Loan facility available. Nomination facility available. 15. LONG TERM DEPOSIT POLICY 16. BARODA TAX SAVINGS TERM DEPOSITS Most suitable for income tax payers like salaried persons, higher and middle-income group, retired persons etc. TENURE: Minimum 5 years ; maximum tenure 10 years. MINIMUM & MAXIMUM AMOUNT: Minimum amount shall be Rs. 100/- & further in multiples of Rs. 100/For availing Tax benefits maximum amount in a financial year - Rs. 1 lakh. 17. RECURRING DEPOSITS A basic saving plan, which helps you regulate yoursavings and reap its benefits from time to time Minimum amount required to open an account - Rs.50/- (rural and semi-urban) and Rs. 100/- (Urban and Metro). Subsequent deposits in multiples of - Rs. 50/- (rural and semi-urban) and Rs. 100/- (Urban and Metro). Deposit Tenure: Minimum - 6 months.Maximum - 120 months. 18. BARODA DOUBLE DHAMAKA FIXED DEPOSIT This is a Term Deposit Product wherein Depositor gets more than double of his initial deposit amount Minimum deposit: Rs 5,000/- ( and further in multiple of Rs. 1000/-) Maximum Deposit Amount: Less than Rs. 1 Crore Rate of Interest: 9.10% per annum for Residents & NonResidents 9.60% per annum for Senior Citizens Duration: 7 Years 8 Months and 18 Days for Residents & Non- Residents 7 Years 3 Months and 24 Days for Senior Citizens 19. COMPARISON OF INTEREST RATES 13 11 9 7 59.25%9.10%3 1DNSB Bank of Baroda 20. THANK YOU. ANY QUESTIONS?