Savings Deposit
At Jijamata Mahila Sahakari Bank Ltd., Pune, our Savings Account is designed to encourage the habit of saving and to help you build a secure financial future. Whether you deposit small amounts regularly or larger sums occasionally, your money stays safe, accessible, and earns steady interest.
Our Savings Account offers a range of convenient features and multiple banking channels, ensuring easy access to your funds whenever you need them.
Who Can Open a Savings Account?
- Individuals – Single or Joint accounts
- Illiterate Persons – Operated through thumb impression
- Minors – Operated by a natural guardian or guardian appointed by the court
- Trusts – Private, Public, or Hindu Undivided Family (HUF)
- Clubs & Associations
- Charitable and Religious Institutions
Account Opening Requirements
- Documents: Visit any branch for the KYC checklist and guidance.
- Application: Account opening forms are available at all branches.
SB Regular
A regular Savings account - (1001)
Salient features of the scheme
- Minimum opening balance ₹1000/- (with cheque book)
- Free cheque book of 25 leaves
- Issuance of Free Debit Card
- Desk Drawing facility
- Free account statement facility
- Fund transfer facility through RTGS/NEFT anywhere in India
- Any branch banking facility
- Demat facility
- Safe deposit locker facility *
* For selective branches
* Conditions apply
| Particulars | SB Kid (1011) | SB Student (1012) | SB Yuva (1013) |
|---|---|---|---|
| Age Group | 09-10 years | Above 10-18 years | Above 18-26 years |
| Account Operation | Minor operated by Guardian | Self | Self |
| Monthly Average Balance (With/Without Chequebook) | Nil | Rs.100/- | Rs.500/- |
| Free Cheque Leaves | 25 leaves per year | 25 leaves per year | 25 leaves per year |
| Charges for non-Maintaining of Average Balance | Nil | Rs.25 plus GST | Rs.100 plus GST |
| SMS Charges | Rs.0.25 Per SMS Plus GST (Per Quarter) | Rs.0.25 Per SMS Plus GST (Per Quarter) | Rs.0.25 Per SMS Plus GST (Per Quarter) |
| Passbook | Free | Free | Free |
| DD / PAYORDER | Free for Education Purpose | Free for Education Purpose | Free for Education Purpose |
| Debit Card | Free Rupay Platinum Contactless Debit Card No AMC for 1st Year | Free Rupay Platinum Contactless Debit Card No AMC for 1st Year | Free Rupay Platinum Contactless Debit Card No AMC for 1st Year |
| Internet / Mobile Banking | Free | Free | Free |
| RTGS/NEFT through Net Banking & Mobile Banking | Free | Free | Free |
Savings Account for Senior Citizens (SBDG – 1005)
Specially designed for individuals aged 60 years and above, offering convenience and benefits tailored to their needs.
Key Features:
- Minimum monthly average balance: ₹500/-
- 25 free cheque leaves per year
- 25% concession on remittance charges for DD/Payorde
- 25% concession on RTGS/NEFT charges
* Conditions Apply
These will now be in three categories - Super Savings, Super Esteem Saving and Super Exclusive Saving
Salient features of the scheme
| Particulars | SB HNI Savings Account (1007) | SB Super Esteem Savings Account (1008) | SB Super Exclusive Savings Account (1009) |
|---|---|---|---|
| Average Monthly Balance (AMB) | Rs.25,000/- | Rs.50,000/- | Rs.1,00,000/- |
| Free Cheque Leaves | 25 leaves per year | 50 leaves per year | 200 leaves per year |
| DD / PAYORDER Charges | 0.30% with a minimum of Rs.30 & Maximum of Rs.10,000 (plus GST) | 0.30% with a minimum of Rs.30 & Maximum of Rs.10,000 (plus GST) | Free |
| RTGS/NEFT through Net Banking & Mobile Banking | Free | Free | Free |
| IMPS Through Mobile Banking | Upto Rs. 1 Lakh - Rs.5 plus applicable GST. Above Rs.1 Lakh - Rs.12.50 plus applicable GST. | Upto Rs. 1 Lakh - Rs.5 plus applicable GST. Above Rs.1 Lakh - Rs.12.50 plus applicable GST. | Upto Rs. 1 Lakh - Rs.5 plus applicable GST. Above Rs.1 Lakh - Rs.12.50 plus applicable GST. |
| Internet / Mobile Banking | Free | Free | Free |
| Minimum Balance Charges | Rs.300 plus applicable GST | Rs.250 plus applicable GST | Rs.250 plus applicable GST |
| Demat Account (Annual Maintenance Charges) | Nil 1st Two Years | Nil 1st Three Years | Free |
* Conditions Apply
Basic SB Account
Savings account for people of limited means
Salient features:
- Minimum opening balance: ₹5/– (afterwards zero balance)
- Cheque book: Not provided.
- If cheque book facility is required, a minimum balance of ₹1,000/– must be maintained.
- Incidental charges: Nil (No incidental charges)
- Anywhere banking: Available for customers who opt for the cheque book facility.
- Nomination: Mandatory.
* Conditions Apply
NRE Saving Account
(For Non-Resident Indians to maintain foreign currency earnings in Indian rupees)
Who can open an NRE account:
- Non-Resident Indians (NRIs) — Individuals of Indian nationality residing abroad.
- Persons of Indian Origin (PIO) — Persons who are citizens of other countries (except Bangladesh and Pakistan) but who, at any time, held an Indian passport, or whose parents/grandparents were Indian citizens and permanent residents of India. Note: An NRI is typically a person residing outside India. (Definitions related to residency and FEMA are subject to the official provisions; please consult the Bank or legal guidance for precise regulatory definitions.)
Documents required to open an NRE Savings Account:
- Duly completed account-opening form
- Photocopy of current passport
- Photocopy of valid work permit / employment visa (if applicable)
- Employment letter (if applicable)
- Photocopy of PIO Card (if applicable)
- Proof of residence (overseas address)
- Two recent passport-size colour photographs of the applicant
* Conditions Apply
Salary accounts of employees of Institution / Corporates - SB Salary (1015)
Salient features of the scheme
| Particulars | Salary Savings (SB Salary (1015)) |
|---|---|
| Minimum Balance (with or without Cheque book) | Zero Balance |
| Free Cheque Leaves | 25 Cheque Leaves p.a. |
| Internet/Mobile Banking | Free |
| DEBIT Card Issuance Fees | Free |
* Conditions Apply
Special Savings for women - Maitreyee (1014)
Salient features of the scheme
| Particulars | Maitreyee (1014) |
|---|---|
| Average Monthly Balance (AMB) | ₹ 5000/- |
| Free Cheque Leaves | 25 Cheque leaves p.a. |
| DD/Payorder | 25% concession |
| Internet/Mobile Banking | Free |
| DEBIT Card Issuance Fees | Free |
| RTGS / NEFT Charges | 25% concession |
* Conditions Apply
Current Deposit
Current Accounts are ideal for all your business transactions. Access your account anytime and make unlimited payments with at Par Cheque, Deposit Cheque or Demand Draft, etc.
Eligibility for a Current Account
- Individual - Single / Joint account
- Hindu undivided family
- Sole Proprietorship firm
- Partnership firm
- Limited company – Private / Public
- Trust / Club / Registered / Unregistered Society / Association
- Government / Semi – Government Bodies / Department
To open a Current Account: Refer Basic Documents - Current Deposit
To download Account Opening Form: Click Here
A regular current account for business / corporate customer.
Salient features of the scheme
- Minimum opening balance ₹ 5000/-
- Cheque book at nominal price
- DEBIT Card facility
- Desk Drawing facility
- Free account statement facility (duplicate statement charges applicable)
- Fund transfer facility through RTGS/NEFT anywhere in India
- Any branch banking facility
- Demat facility
- Safe deposit locker facility*
* At Selective branches
Current account for high net worth customers.
Salient features of the scheme:
| Particulars | CD Silver (1104) | CD Gold (1105) | CD Platinum (1106) |
|---|---|---|---|
| Average Monthly Balance (AMB) | ₹ 25,000/- | ₹ 50,000/- | ₹ 1,00,000/- |
| Free Cheque Leaves | 100 leaves per year | 200 leaves per year | Unlimited |
| DD / Payorder/ RTGS / NEFT Charges | 25% Concession | 50% Concession | Free |
| Internet / Mobile Banking | Free | Free | Free |
| Minimum Balance Charges | Rs.500 plus GST | Rs.700 plus GST | Rs.850 plus GST |
| Demat Account (Annual Maintenance Charges) | Nil 1st Two Years | Nil 1st Three Years | Free |
Team Deposit
Term Deposit scheme to suit your requirement and future plan. You can not only earn higher income on your surplus funds by investing in any of our term deposit schemes, but also avail loan against those funds. Thus fulfill your need, multiply your funds as well as keep your savings secure.
Eligible to operate a Term Deposit Account
- Individual - Single / Joint account
- Minor - Operated by guardian natural / appointed by court
- Trust - Private / Public
- Partnership firm
- Limited company - Private / Public
- Club, Association & Society
To open Term Deposit Account, you just need to provide
- Duly completed account opening form
- Pan card / FORM 60, if no Pan card
- Proof of Residence of the applicant(s)
- Proof of Photo Identification of the applicant(s)
- Proof of Age in case of senior citizen
- One recent passport size color photographs of Partner(s) / Director(s)
- Introduction by an existing customer, whose account is at least 6 months old OR
- Introduction letter of your existing bank verifying signature
- Submit Partnership deed with Registration receipt in case of Partnership firm
- Submit Memorandum of Association, Article of Association, Resolution in case of Company
- Board Resolution / Resolution in case of a company, an association
Short Term Deposit (SDR)
Easy liquidity still earn interest.
- Minimum opening balance of ₹ 1000/-
- Minimum period of 7 days, maximum up to 364 days
- Interest paid on the maturity period
- Interest will be given on the principal on maturity
- Can avail loan up to 90 % of accumulated deposit
- Interest as per card rates
Loans and advances
Offers a wide variety of retails loans. Whatever be yor need, our range of retails loans will suit your requirement.
Working Capital (Cash Credit)
Working capital finance by way of cash credit to fund day-to-day business operations.
Features & Benefits- Interest charged on a daily product basis, at monthly rest
- Simple documentation
- Low processing fee
- Speedy approval
- All services under one roof
To meet the working capital requirement of business in the form of cash credit facility against inventory and book debts.
EligibilityPromoters with a satisfactory background.
Quantum of FacilityBased on turnover, as per RBI guidelines.
DocumentationRefer Basic Documents - Corporate Loan
Security- Primary: Hypothecation of stock & book debts
- Collateral: If required, case-to-case basis
Retail Loan
Enjoy additional loan anytime without additional security or guarantee.
Features & Benefits- Interest charged on daily reducing basis
- No pre-payment charges for repayment through own source
- Attractive interest rate
- Simple documentation
- Easy repayment options – ECS / Post-dated cheques / Standing instruction
- Low processing fee
- Speedy loan approval
- Offers insurance cover for all assets at attractive premium
- Renovation & Furnishing
- Higher Education
- Consumer durable
- 2 & 4 wheeler vehicle
- Medical Equipment
- Foreign Travel
- Marriage or other Ceremony
- Medical Expense
Salaried / Professional / Businessmen
Quantum of LoanUp to ₹2 Lacs
DocumentationDocumentary evidence of loan purpose
SecurityExtension of Equitable mortgage
Surety2 Guarantors
RepaymentUp to 7 years
