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image DIDIVIJA URBAN NIDHI LTD.
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Deposit Schemes

Didivija Urban Nidhi Limited Bank, deposit plans offer convenient solutions to working individuals, senior citizens Women’s, Ex Service Man with very Good Interest Rate. Below are our Some Saving Deposit Plan.

Saving Account

Features :

  1. Saving Account Interest Rate – 6% ( P.A. )
  2. Account Opening Minimum Rupees – 1000/- INR
  3. Core Banking, ATM, Net Banking, SMS Banking Facility Included.
  4. We also open zero balance saving account with certain conditions/ limited transaction.
  5. We offer nomination facility for all deposit accounts.
  6. We offer Computerized passbook to our Account holders.

Current Account

Features :

  1. Customer can open Current Account with minimum balance or Rs.2000/-.
  2. We offer 30 pages cheque book.
  3. We offer nomination facility for all individual accounts and proprietory concern accounts.
  4. Customer can open joint account and that account can jointly,operate as per instruction like Any one, Jointly, Any two Jointly either or survivor etc.
  5. We offer Monthly, Half yearly, Yearly and periodical Statement to our Customers for their reconciliation purpose or any other purpose.
  6. We are member of Deposit Insurance and Credit Guarantee Scheme [DICGC] in which customers deposits are insured up to Rs. 1 Lac.

Fixed Deposit

Features :

  1. Fix deposit scheme is an attractive scheme to deposit your savings for fix period for 15 days to 05 years as per your future requirements.
  2. We provide attractive Interest Rates to our Customers from time to time.
  3. We offer 0.50% extra Interest Rate to Senior Citizens(Age 60 or above)on fix deposits of more than 1 year period and above.
  4. Guardian can open Minor's Fix deposit A/c. When minor turns major then at maturity he/she can withdraw the amount with his/her signature, after providing valid age proof.
  5. We offer nomination facility for all deposit accounts.

Recurring Deposit

Features :

  1. Recurring Deposit is a monthly Fix Savings Scheme. Customer can Open Recurring A/c with minimum of Rs.100/- per month and in count of Rs. 100/- thereafter i.e. Rs.100/-, Rs.200/-, Rs. 300/- etc.
  2. Customers can open Recurring account for 12, 24, 36, 48 and 60 Months.
  3. We offer nomination facility for all deposit accounts.
  4. We are member of Deposit Insurance and Credit Guarantee Scheme in which customers deposit are insured up to Rs. 1 Lac.

Rules & Regulation Details

  • Every Depositor must have to fulfill KYC norms as per RBI directive.
  • The Customer has to give all the valid proof under KYC norms at the time of opening an account as per RBI Guideline.
  • Guardian can open Minor's Savings Account. Birth Proof of Children is required.
  • The Bank's management having right to close the account after notice if account holder do not keep sufficient balance to clear inward cheque or ECS.
  • The customer must have to preserve his/her cheque book & passbook in his custody. The Bank is not responsible for any misuse of cheque book & pass book.
  • Interest on Savings deposit is calculated on daily balances as per RBI's directives.
  • Cheque book charges will be Chargeble.
  • The customer without cheque book facility will be given withdrawal form at the time of payment. The withdrawal form will be given to the account holder only and only at the time of payment.
  • The Passbook should be accompanied with the withdrawal form.
  • Stop payment of particular cheque/s facility is available but the customer has to keep sufficient balance to match the cheque amount then only the cheque will be returned with the reason of stop payment and stop payment charges will be levied from the account.
  • The Bank is having all rights of appropriation, set off, lien and change the rules and regulation.
Rules & Regulation

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