Saraswat Co-operative Bank Fixed Deposit: Saraswat Co-operative Bank Fixed Deposit/Term Deposit Schemes, NRI/NRO/NRE Deposit Rates Saraswat Co-operative Bank, Bank Fixed Deposits/Term Deposit in India, NRI/NRO/NRE Interest Rates

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Saraswat Co-operative Bank

Fixed Deposit Rates

You are requested to reconfirm the rates from the respective banks before making any financial commitments.

a) For domestic deposits - 1 crore and above but below Rs. 3 cr (last revised on Apr 04, 2016)

Maturity Period	Deposit Amount	INTEREST RATE (% p.a.) General Senior Citizen

7 days to 30 days	1 crore and above but below Rs. 3 cr	4.00 4.00	Calculate
31 days to 90 days	1 crore and above but below Rs. 3 cr	4.75 4.75	Calculate
91 days to 179 days	1 crore and above but below Rs. 3 cr	5.25 5.25	Calculate
180 days up to 1 year	1 crore and above but below Rs. 3 cr	6.75 6.75	Calculate
Above 1 year up to 24 months	1 crore and above but below Rs. 3 cr	7.75 8.00	Calculate
Above 24 months up to 36 months	1 crore and above but below Rs. 3 cr	7.80 8.05	Calculate
Above 36 months up to 60 months	1 crore and above but below Rs. 3 cr	7.80 8.05	Calculate
Above 60 months up to 120 months	1 crore and above but below Rs. 3 cr	7.60 7.85	Calculate

b) For domestic deposits - 3 crore and above (last revised on Apr 04, 2016)

Maturity Period	Deposit Amount	INTEREST RATE (% p.a.) General Senior Citizen

7 days to 30 days	3 crore and above	4.00 4.00	Calculate
31 days to 90 days	3 crore and above	4.75 4.75	Calculate
91 days to 179 days	3 crore and above	5.25 5.25	Calculate
180 days up to 1 year	3 crore and above	6.75 6.75	Calculate
Above 1 year up to 24 months	3 crore and above	7.75 8.00	Calculate
Above 24 months up to 36 months	3 crore and above	7.80 8.05	Calculate
Above 36 months up to 60 months	3 crore and above	7.80 8.05	Calculate
Above 60 months up to 120 months	3 crore and above	7.60 7.85	Calculate

c) For domestic deposits - Less than Rs. 1 cr (last revised on Apr 04, 2016)

Maturity Period	Deposit Amount	INTEREST RATE (% p.a.) General Senior Citizen

7 days to 30 days	Less than Rs. 1 cr	4.00 4.00	Calculate
31 days to 90 days	Less than Rs. 1 cr	4.75 4.75	Calculate
91 days to 179 days	Less than Rs. 1 cr	5.25 5.25	Calculate
180 days up to 1 year	Less than Rs. 1 cr	6.75 6.75	Calculate
Above 1 year up to 24 months	Less than Rs. 1 cr	7.75 8.00	Calculate
Above 24 months up to 36 months	Less than Rs. 1 cr	7.80 8.05	Calculate
Above 36 months up to 60 months	Less than Rs. 1 cr	7.80 8.05	Calculate
Above 60 months up to 120 months	Less than Rs. 1 cr	7.60 7.85	Calculate

Tax Saver Fixed Deposits (Amount capped at Rs. 1 lakh per Financial Year)

Maturity Period	Deposit Amount	INTEREST RATE (% p.a.) General Senior Citizen

Madhukar Tax Saving - 5 years	Up to Rs. 1 lakh	8.50 N.A	Calculate

Tax Implications:

The amount invested in fixed deposits with a maturity period of 5 years in a Scheduled bank is eligible for tax deduction under section 80C. However, the interest earned on the deposit is taxable.
Tax will be deducted at the source, if the interest income on a fixed deposit per annum exceeds Rs.10000

a) For NRO Fixed Deposit - 1 crore and above but below Rs. 3 cr (last revised on Apr 04, 2016)

Maturity Period	Deposit Amount	INTEREST RATE (% p.a.)

7 days to 30 days	1 crore and above but below Rs. 3 cr	4.00	Calculate
31 days to 90 days	1 crore and above but below Rs. 3 cr	4.75	Calculate
91 days to 179 days	1 crore and above but below Rs. 3 cr	5.25	Calculate
180 days up to 1 year	1 crore and above but below Rs. 3 cr	6.75	Calculate
Above 1 year up to 24 months	1 crore and above but below Rs. 3 cr	7.75	Calculate
Above 24 months up to 36 months	1 crore and above but below Rs. 3 cr	7.80	Calculate
Above 36 months up to 60 months	1 crore and above but below Rs. 3 cr	7.80	Calculate
Above 60 months up to 120 months	1 crore and above but below Rs. 3 cr	7.60	Calculate

b) For NRO Fixed Deposit - 3 crore and above (last revised on Apr 04, 2016)

Maturity Period	Deposit Amount	INTEREST RATE (% p.a.)

7 days to 30 days	3 crore and above	4.00	Calculate
31 days to 90 days	3 crore and above	4.75	Calculate
91 days to 179 days	3 crore and above	5.25	Calculate
180 days up to 1 year	3 crore and above	6.75	Calculate
Above 1 year up to 24 months	3 crore and above	7.75	Calculate
Above 24 months up to 36 months	3 crore and above	7.80	Calculate
Above 36 months up to 60 months	3 crore and above	7.80	Calculate
Above 60 months up to 120 months	3 crore and above	7.60	Calculate

c) For NRO Fixed Deposit - Less than Rs. 1 cr (last revised on Apr 04, 2016)

Maturity Period	Deposit Amount	INTEREST RATE (% p.a.)

7 days to 30 days	Less than Rs. 1 cr	4.00	Calculate
31 days to 90 days	Less than Rs. 1 cr	4.75	Calculate
91 days to 179 days	Less than Rs. 1 cr	5.25	Calculate
180 days up to 1 year	Less than Rs. 1 cr	6.75	Calculate
1 year	Less than Rs. 1 cr	7.75	Calculate
Above 1 year up to 24 months	Less than Rs. 1 cr	7.80	Calculate
Above 24 months up to 36 months	Less than Rs. 1 cr	7.80	Calculate
Above 36 months up to 60 months	Less than Rs. 1 cr	7.60	Calculate

a) For NRE Fixed Deposit - Less than Rs. 1 cr (last revised on Apr 04, 2016)

Maturity Period	Deposit Amount	INTEREST RATE (% p.a.)

1 year	Less than Rs. 1 cr	6.75	Calculate
Above 1 year up to 24 months	Less than Rs. 1 cr	7.75	Calculate
Above 24 months up to 36 months	Less than Rs. 1 cr	7.80	Calculate
Above 36 months up to 60 months	Less than Rs. 1 cr	7.80	Calculate

Expert Advice

Highest Rates by Bank FDs

Abhyudaya Co-operative Bank

10.25%

Development Credit Bank

10.10%

Best FD rates for Senior Citizens

Punjab & Maharashtra Co-operative Bank

10.50%

Abhyudaya Co-operative Bank

10.35%

Highest Rates by Company FDs

Ansal Properties & Infrastructure Ltd.

12.00%

Helios & Matheson (Only Renewals)

12.00%

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