उत्पाद विवरण
बैंक का नाम
Shivalik Small Finance Bank
खाता नाम
Saving Diamond Shivalik Small Finance Bank Account
खाते का प्रकार
Saving
ब्याज दर
Balance upto 1 Lac 3.00%
Above 1 Lac to 5 Lacs 3.50%
Above 5 Lacs to 10 Lacs 3.50%
Above 10 Lacs to 25 Lacs 4.00%
Above 25 Lacs to 50 Lacs 6.00%
Above 50 Lacs to 1 Crore 6.50%
Above 1 Crore to 2 Crore 6.00%
निःशुल्क डेबिट कार्ड
Yes. (Normal Rupay)
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खाता खोलने का शुल्क
N.A.
वार्षिक रखरखाव शुल्क
N.A.
Minimum Account Balance
25,000
डेबिट कार्ड शुल्क
एनईएफटी शुल्क
Free through internet banking
आईएमपीएस शुल्क
Upto Rs. 2,000(5 transactions free per day) - 2 , 2001 to 5000 - 2, 5001 to 25000 - 4, 25,001 to 1,00,000 - 8, 1,00,001 to 10,00,000 - 15
फीस और शुल्क
Saving Diamond Shivalik Small Finance Bank Account
विशेष लक्षण
पात्रता मापदंड
To open this account, you need to meet the following eligibility criteria:
1. Age: As mentioned before, you must be of 18 years.
2. Residency: You must be a resident of India to open this account.
3. Minimum Balance: The minimum balance requirement for this account is INR 25,000.
फ़ायदे
विशेषताएं, पात्रता और लाभ
पक्ष विपक्ष
पेशेवरों
No issuance charges on ATM/Debit Card.
Free 15 transactions per month (Including balance inquiry) at other Bank's ATM.
Free 10 NEFT/RTGS transactions per month through home branch. Unlimited free transactions for Net/Mobile banking.
Free 60 cheque leaves half yearly.
Free accidental insurance cover of INR 2,00,000 against Platinum RuPay Debit Card.
Complementary access in airport lounge with your RuPay Platinum Debit Card.
दोष
Low interest rate.
Saving Diamond Shivalik Small Finance Bank Account Review
The account comes with a free platinum Rupay debit card and free airport lounge access. Other perks with the account include free cheques, free 15 transactions at other banks' atms, free accidental insurance etc. The only major con with the card is that the account offers low interest rate when compare to other small finance banks.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
उत्पाद समीक्षा
खाता खोलने की प्रक्रिया और प्रक्रिया
How to open an Account?
To open a Shivalik Savings Silver Account, you can follow these general steps:
1. Visit the Shivalik Bank Website or Branch:
Online: Visit the official Shivalik Bank website. Look for the "Open Account" or "Savings Account" section. You might find an online application form there.
Offline: Visit the nearest Shivalik Bank branch. Request an account opening form from the bank staff.
2. Fill Out the Application Form:
Personal Details: Provide accurate information such as your full name, date of birth, address, contact details, etc.
Identification and Address Proofs: Submit necessary documents like Aadhaar card, PAN card, passport, driver's license, etc., as proof of identity and address.
Financial Information: Declare your income sources and other financial details as required.
3. Submit the Application:
Online: If applying online, submit the completed form electronically.
Offline: Submit the filled-out form along with the required documents to the bank branch.
4. Account Opening Process:
The bank will verify your submitted information and documents.
You might be required to visit the branch for further verification or KYC procedures.
Once the verification is complete, your account will be opened.
5. Receive Account Details:
You will receive your account number, debit card (if applicable), and other relevant details from the bank.