BandhaneBank

Deposit & Savings Products

Grow your money safely with our thrift schemes

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Savings Account

Easy to open for all registered members
Convenient deposit and withdrawal facilities
Interest credited on available balance
Passbook / statement facility
Ideal for day-to-day savings and transactions
Safe custody of your hard-earned money

Best for: Everyday banking & emergency funds

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Recurring Deposit (RD)

Save a fixed amount every month
Build a substantial corpus systematically
Flexible tenure options available
Attractive interest rates on maturity
Encourages disciplined savings habit
Suitable for short & medium-term goals

Best for: Goal-based saving (education, marriage, travel etc.)

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Fixed Deposit (FD)

Park surplus funds for a fixed period
Higher interest compared to savings account
Choice of short, medium & long tenure
Principal amount remains completely safe
Interest payout options as per scheme
Premature withdrawal as per society rules

Best for: Higher returns with safety of capital

Loan & Credit Facilities

Affordable loans designed for real needs of our members

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Personal Loan

For medical emergencies, education, marriage, travel or any genuine personal need
Competitive member interest rates
Flexible repayment tenure
Minimal documentation for eligible members
Quick processing and disbursement

Eligibility: Registered members with good repayment track

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Home / Housing Loan

Purchase, construction or renovation of house
Long repayment period available
Affordable EMIs
Support for both ready and under-construction properties
Transparent charges and terms

Best for: Building or improving your dream home

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Vehicle Loan

Two-wheeler and four-wheeler financing
Simple documentation process
Competitive interest rates
Flexible tenure options
Quick approval for eligible members

Best for: Buying your own vehicle conveniently

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Business / Working Capital Loan

Support for small businesses and shopkeepers
Working capital and expansion needs
Self-employed professionals can also apply
Flexible repayment aligned with business cycle
Member-friendly approach

Best for: Growing your small business

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Education Loan

Financial assistance for higher education
Support for members’ children
Convenient repayment options
Covers tuition and related expenses
Encourages educational growth of the family

Best for: Investing in education of next generation

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Group / SHG Credit

Special credit for Self Help Groups
Joint liability group financing
Promotes collective growth and thrift
Simple group documentation
Aligned with cooperative principles

Best for: Group enterprises and SHGs

Product Overview at a Glance

Quick comparison of our main offerings

Product	Type	Key Benefit	Ideal For
Savings Account	Deposit	Liquidity + Interest	Daily transactions & emergency funds
Recurring Deposit (RD)	Deposit	Disciplined monthly saving	Goal-based short/medium term plans
Fixed Deposit (FD)	Deposit	Higher fixed returns	Surplus funds seeking safety + growth
Personal Loan	Credit	Quick funds for personal needs	Medical, education, marriage, travel
Home Loan	Credit	Long tenure, affordable EMI	Purchase / construction / renovation
Vehicle / Business Loan	Credit	Asset / business growth support	Vehicle purchase or working capital

* Interest rates, tenure, eligibility and other terms are as per current society policy and may change. Please contact the office for latest details and personalized guidance.

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