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Personal Banking- |
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Deposits |
Advances |
Safe Deposit Lockers |
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Deposits |
Savings Bank
Account |
Terms
& Conditions |
Suvidha Bachat
Account:
Saral Bachat Khata:
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Sbbj
Flexi Deposit Scheme: |
Term Deposit
Scheme |
Special
Term Deposit Scheme |
Recurring
Deposit Scheme |
Special Scheme For
Senior Citizens |
Capital Gain Scheme 1988
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Sbbj Tax Saver
Term Deposit Scheme
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SBBJ DELIGHT |
Service Charges For 'P' Segment Business |
Locker Hiring
Charges |
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SPECIAL SCHEME FOR SENIOR CITIZENS
For Senior Citizens over 60 years of age, differential
rate of interest, 0.50% higher than the rates on term
deposit plan.
The special rate of interest will also be payable on joint deposit of Senior Citizens with persons below the age of 60 years,
if the first name is of a senior citizen.
At the time of opening of a new deposit account of a senior citizen, the bank will satisfy about the age through
verification of any of the following documents
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Secondary School Leaving Certificate indicating date
of birth.
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LIC
policy, Voters Identity Card, Pension Payment Order,
Passport
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Any
other document acceptable to the bank.
Type &
Period of Deposit
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Minimum amount Rs.10, 000/-
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Flexibility in period of deposit from 1 year to 10
years
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An
extra 0.50% interest vis-ą-vis others
For
further details, please contact the nearest State Bank
of Bikaner & Jaipur branch.
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CAPITAL GAIN SCHEME 1988
You can defer payment of Income Tax on Long Term Capital gains for the time being and invest in the future capital at the appropriate time but within 2 or 3 years., while earning interest on the amount.
Capital gains tax can be saved fully, if the amount is invested in designated immovable properties.
You can open your Capital Gains deposit accounts under the Capital Gains Account Scheme 1988.
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Eligible Applicants |
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Resident Individuals, Body of individuals
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Non- individuals like Hindu Undivided family
(HUF), sole proprietorship firms;
partnership firms companies, Association of
persons etc
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Non
-resident Indians Not Ordinary Resident
assesses. Artificial judicial persons who
have capital gains, taxable in India.
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Minimum Amount |
Rs.
5000 in case of Term Deposits and
Rs.
1000 in case of Saving Banks a/c |
Period of Deposit
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Not
exceeding 2/3 years from the date of transfer of
original asset as given below-
2
years - if capital gains is U/s 54B, 54 F. 54 G
3
Years - if capital gains is U/s 54, 54 D |
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Interest Rate |
As
applicable to normal Savings and Term Deposits
for respective maturities. |
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Coverage |
The
Capital Gains Deposit Scheme is operative at all
branches except rural branches. |
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Premature Payment |
Premature payment of Term Deposit is permitted
only after production of specific authority
letter/ certificate from the Income Tax Officer
having jurisdiction and on the terms mentioned
in the letter of authority |
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Loan facility |
No
loan
facility against this deposit is available
This term deposit can neither be accepted as
margin money for non-fund based nor as
collateral to any type of fund-based facilities. |
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Accounting Procedure |
Depositor can open accounts under the scheme
after filling the prescribed application - cum
specimen signature form. |
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SBBJ
TAX SAVER TERM DEPOSIT SCHEME
An individual (singly or jointly) or Karta of an HUF can invest upto Rs.1.00 lac in a financial year in such deposit product, which will qualify for deduction from income tax for calculation of tax under Section 80-C of Income Tax Act 1961.
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Eligible Depositors |
Individuals (singly / jointly)
Karta in HUF. |
Period of Deposit
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Only for 60 months |
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Type of Deposit Accounts |
Term Deposit/Special Term Deposit. |
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Mode of Operation |
Singly or jointly (provided that in case of joint holder type deposit, the deduction from income under section 80C of the act shall be available only to the first holder of the deposit). |
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Rate of Interest |
As applicable to time deposits for five years. |
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Premature withdrawal |
Not Permitted . |
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Availability of Loan / OD |
Not Available. |
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A/c opening procedure |
Extant procedure for regular deposits.
The customer has to compulsorily provide PAN number. |
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Nomination facility |
Available. |
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SBBJ DELIGHT
In order to strengthen the value of our relationship with existing high net worth individuals and also to
attract such new customers, we have offer concessions / value added services for customer delight at our
branches where 'P' Division is in existence.
Elegible Customers:
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(a) Depositors having deposit of Rs.5 lacs and more.
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(b) Home Loan borrowers having limits of Rs.10 lacs and more and having deposit of Rs.2 lacs and more.
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(c) Car Loan borrowers having limits of Rs.5 lacs and more and having deposit of Rs.2 lacs and more.
Customers in case of (a) and (c) should be more than 6 months old
Concessions / benefits
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Free remittances (bankers cheque/drafts/TT) with a ceiling of Rs.25, 000/- per instance and three times per month.
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Free collection of cheques with a ceiling of Rs.25, 000/- per instance and three times per months.
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Immediate credit of cheques within an overall limit of Rs.50, 000/- outstanding at a time.
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Waiver of processing charges on fresh 'P' segment loans.
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Priority allotment of lockers.
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Demat account facility with 50% concession of normal annual charges, at branches where DP services are available.
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