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e-TDR/eSTDR

  1. Can I open a Term deposit account through Corporate Internet banking?

    Yes. If you have availed Corporate Internet Banking facility with transaction rights (Saral, Vyapaar and Vistaar), and at least one current account is mapped. For Vyapar and Vistaar rules should have been verified by the branch.

  2. What is the minimum tenure for an online deposit?

    As a general rule the minimum tenure for a term deposit is 7 days and the maximum is 10 years. However both TDR and STDR are bound by the following minimum and maximum tenures. Minimumtenure is 7 days for TDR and 180 days for STDR and Maximum tenure is 3650 days for TDR and STDR.

  3. What are the interest rates for a term deposit?

    The interest rates vary from time to time. You can view the latest interest rates by clicking on "View current interest rate" link provided in
    e-TDR/e-STDR request page.

  4. What is the minimum amount for a term deposit?

    You can open a term deposit with a minimum amount of Rs.1000.

  5. Can I generate a term deposit advice?

    Yes, you can generate and print a term deposit advice containing all your relevant details.

  6. In whose name will the term deposit account be opened? What is the mode of operation?

    The name(s) and mode of operation and branch of newly generated deposit a/c will be same as in debit a/c, from which term deposit a/c is funded.

  7. How is the maturity amount calculated? Can I make enquiry before opening e-TDR/e-STDR?

    The maturity amount is based on the tenor & type of account selected by customer. You may enquire the maturity amount, maturity date and rate of interest, without opening e-TDR/e-STDR through "Maturity Enquiry" tab available in e-TDR/e-STDR page.

  8. Can I close my e-TDR/e-STDR instantly through 'Premature Closure a/c' tab?

    Yes. You may close your e-TDR/e-STDR instantly if request is initiated between 08:00 AM IST to 08:00 PM IST. Request initiated beyond this period will be automatically cancelled by the system.

  9. Can I close TDR/STDR opened at the branch?

    No. Only e-TDR/e-STDR can be closed through CINB interface. TDR/STDR opened at branch can be closed at branch only.

  10. Can I open online term deposit a/c for any other name(s), not belonging to debit a/c from which term deposit a/c is funded.

    No. You may contact the branch for the same.

  11. Can I transfer the maturity money to any of my accounts?

    No. Maturity amount or the amount payable before maturity will be transferred only to the debit account from which it was funded.

  12. Is there any cut off time for creating e-TDR/e-STDR online?

    Yes. e-TDR / e-STDR can be created online from 8:00 AM IST to 8:00 PM IST. Requests initiated beyond this period will automatically get cancelled (in case of Vyapaar and Vistaar only).

    In case of Saral user, if request is initiated beyond 08:00 AM IST to 08:00 PM IST request will automatically get scheduled for the next day by system.

  13. Can corporate with single maker or checker create e-TDR/ e-STDR?

    No. For creation of e-TDR/ e-STDR distinct maker and checker are required.