Any individual can open savings bank account singly or jointly. SB account of minors can be opened jointly with natural guardian or legal guardian. The applicant should submit identity proof and address proof.

Enjoy the following benefits:

• Instant ATM-cum-Debit card
• Immediate access to Mobile Banking & Internet Banking
• SMS alerts
• Missed Call Banking (Balance enquiry)

• Minimum balance of Rs.25,000/- shall be maintained in the SB account
• Balance available in SB account over and above Rs.25,000/- on any day will be automatically swept-out into a fixed deposit of 180 days term in units of Rs.1,000/- each
• In the event of shortfall deposit will be swept back into the SB account in required number of units on the basis of last in first out
• There is auto renew process for matured deposits

• The account shall not have the requirement of any minimum balance.
• The services available in the account will include deposit and withdrawal of cash at Bank branch as well as ATMs, receipt/credit of money through electronic payment channel or by means of deposit/collection of cheques
• Facility of ATM-cum-Debit card
• There will not be limit on number of deposits that can be made in a month
• Account holders will be allowed a maximum of four withdrawals in a month, including ATM withdrawals.

• Customer can credit amount in his/her RD Flexi account on daily basis till maturity date
• Minimum deposit amount of Rs.100/- or in multiples thereof
• Minimum amount of Rs.100/- and Maximum amount of Rs.15,000/- per day
• No fixed monthly instalment
• Duration is 1 year

• Minimum of Rs.500/- and in multiples of Rs. 100/-
• Period of deposit is 7 days to 10 Years
• Additional rate of interest for Senior citizens (181 days and above)
• Can avail Loan / OD against deposit
• Fixed rate of interest

• Minimum of Rs.500/- and in multiples of Rs. 100/-
• Period of deposit is 1 year to 10 years
• Additional rate of interest for Senior citizens (181 days and above)
• Can avail Loan / OD against deposit
• Fixed rate of interest
• Compound quarterly interest

• Monthly Rs.1,360/- *
• Duration 63 months
• Maturity value Rs.1,00,005/- *
• Can avail Loan / OD against deposit

• Minimum of Rs.500/- and in multiples of Rs.100/-
• Customers can avail Monthly/Quarterly interest on their deposits
• Period of deposit 1 year to 10 years

• For purchase of plot and construction of house at a later date. (within 2 years of availing loan (for purchase of plot))
• For out-right purchase of ready built house/flat of not more than twenty five years (25) old.
• For purchase of flat to be constructed by the Society/Builders.
• For making extension / additions to the existing house.
• For carrying out repairs/renovations to the existing house/flat.
• Takeover of Housing Loans from other Financial Institutions

• Salaried, Self Employed, Professionals, and Agriculturist
• Upto Rs.7.50 lakhs- ITR is not Mandatory
• Above Rs.7.50 lakhs-
  For Non Salaried & Other Professionals - Last Three Years ITR
  For Salaried- Latest Pay Slip and last three years ITR/FORM-16

• Doctors, Chartered Accountants, Lawyers, Salaried persons, Businessmen and Contractors etc., engaged in different business activities.
• Income as per Income Tax Assessment Order / Salary copy is Rs.3.00 lakh and above per annum
• Second Hand Four Wheeler can be sanctioned for the vehicles up to the age of 5 years

• Any genuine business/personal credit requirements against the Mortgage of the Property

• Salaried, Self employed, Professionals
• Agriculturist
• Maximum Repayment: 7 Years
• Maximum Loan Rs.100.00 lakhs

• Residential house/flat self-occupied or vacant, commercial properties like lodges, hotels, complexes etc.,

• Vacant sites, Godowns, rice mills, work sheds and agriculture property.
• Third party mortgages.

• To provide financial support to deserving / meritorious student pursing higher education
• Must have secured admission to a higher education course through Entrance test / Merit Based Selection process.
• Adopts IBA education Model
• Interest Subsidy is available on Education loans taken by students under CSIS, ACSIS& Padho Pradesh subject to Income ceiling decided by the ministry/Govt

• Doctors / Medical Practitioners registered with the National Council of Medical Practitioners with minimum qualification of MBBS / BAMS / BDS / BHMS
• For Construction / expansion / renovation of hospital building.
• For purchasing all types of medical equipment.
• For setting up of X-ray unit, Laboratory etc.
• For purchase of vehicles, ambulance, computers etc
• Maximum loan amount- Rs.500.00 lakhs
CGTMSE coverage upto Rs.50.00 lakhs

• Purchase of power driven vehicles i.e. Auto Rickshaws, Van, Boat, Lorry, Truck, Cab star, Cars etc
• 85% of the Vehicle Cost shall be financed.
• Maximum Loan-Rs.50.00 lakhs
• Repayment period upto 5 Years.

• For Construction of Commercial Building/complex
• 70% of the cost of construction
• Maximum Repayment period 10 Years
• Primary Repayment obligation to the loan is out of the cash flows generated from the project

• To meet the genuine credit/business requirements of the borrower
• Against Rental Discounting of the rents backed by Registered Lease Deeds.
• Minimum Residual rents- 36 Months & Maximum rents can be considered is 120 months or unexpired lease period.

• Loan to Govt/PSU/Quasi Govt employees who are drawing salaries through our bank account.
• Loan amount is Maximum 15 times of the gross salary, subject to cutback.

• Loans extended to builders towards construction of property which is intended to be sold. (Cat-I)
• Loans for multiple houses intended to be rented out (exposure on third unit onwards may be treated as CRE). (Cat-II)

• For Both Agriculture, Non agriculture, Personal and Business purposes.
• Quick disbursal of the loan.
• Lower Interest rates and Higher Per gram lending.

• To Meet Working capital requirements of businesses like MSMEs, Traders, Commission agents and Distributors.
• For Both New units/ Existing units with satisfactory financials/conduct of business and takeover from other financial institutions

• For purchase of Tractors/ Power tillers, Combined Harvesters/Decorticators etc.
• Purchase of 1st and 2nd Hand tractors.
• Upto 75-85% of the cost of the vehicle.
• Upto Rs.6.00 lakhs on Hypothecation of the vehicle.
• Maximum repayment: 9 years /18 Half yearly instalments.

• Purchase of milch animals - Cross Bred Cows (CBCs)/Graded Murrah Buffaloes (GMBs), local breed etc, Construction of cattle shed, Provision of water facilities.
• Purchase of equipments, Transport vehicles in case of bigger units. Milk processing facilities in case of bigger interested units.
• All farmers/non-farmers/group of persons preferably from traditional community in the line of activity.
• Loan amount is as per Scale of finance

• Meeting the short term credit requirements for cultivation of crops, Post Harvest expenses, Consumption requirements of farmer household, Working Capital requirement for maintenance of farm assets
• Farmers with own lands/ Tenant farmers with CCRC Card Holders (CCRC norms applicable).
• Loan amount as per scale of finance
• Loan amount upto Rs.3.00 lakhs is eligible for IS& PRI as announced by GoI from time to time.

• KCC Facility to Animal Husbandry farmers and Fisheries to meet short term credit requirements of rearing animals, birds, fish, shrimp, other aquatic organisms, capture of fish.
• Maximum eligible loan is Rs.2.00 lakhs, Subject to the terms and conditions of the bank.

APGB Mobile Banking is available for Android and iOS users. Experience Swift and smooth Digital Transactions at your Fingers tip with APGB Mobile Banking app. Experience Technology!

Mobile Banking features:

• NEFT, IMPS & Intra bank transactions.
• Funds can be transferred through MMID.
• BBPS (Bharat bill payment system) integrated services like utility bills and recharges (Mobile, DTH).
• Allow /Restrict/Set transaction limits for ATM, PoS & E-Com of debit card.

Mobile Banking- Limits

Internet banking provides anywhere, anytime, online access to accounts for Banks Retail and Corporate customers. The application is developed using the latest cutting edge technology and tools. The infrastructure supports unified, secure access to banking services for your accounts electronically.

Internet Banking- Features

• Fund Transfers - RTGS/NEFT, IMPS & Intra bank transactions.
• Allow /Restrict/Set transaction limits for ATM, PoS & E-Com of debit card.
• Banking Transactions-Account Details and statement

Internet Banking- Limits

* There is no monthly limit in Internet Banking for any type of transaction.

Unified Payments Interface allows instant transfer of money from one account to another in a seamless manner. Registration shall be done through a ‘’payments app” in Mobile phone for using UPI services.

UPI- Features

• Money transfer through mobile device round the clock 24*7 and 365 days.
• Utility Bill Payments, Over the Counter Payments, QR Code (Scan and Pay) based payments
• Single Application for accessing different bank accounts
• UPI SI mandate(Auto Pay)
• Balance Enquiry
• Use of Virtual ID is more secure, no credential sharing
• Safer, Secured and Innovative
• Payment basis Single/ Unique Identifier
• User-friendly, single-click, two-factor authentication
• Raise Complaint from Mobile App directly

Internet Banking- Limits

* At present bank has facilitated UPI registration through Dr Card or Aadhaar