What's New

Ratnakar Bank and Infosys win prestigious Asian Banker Award for Best Core Banking Project, India for 2012
Ratnakar Bank forays into Tamil Nadu, opens its first branch in Chennai
Ratnakar Bank achieves ISO 9001:2008 Quality Management System Certification for its Key Centralized Operations Processes
Our systems are upgraded. We have implemented the latest technology – Finacle from Infosys. We thank you for your patience and continuous support. Enjoy ‘banking’ with us!
Your bank has been rated as India’s Best Bank (Growth) and ranked 5th overall in the Mid-sized Banks segment in the 2012 Business Today-KPMG study.
Ratnakar Bank is the first Indian Bank to establish partnership with ADB for a First-of-its-Kind Partial Guarantee Program for MFIs in India.
Ratnakar Bank increases its Savings Account interest rate up to 6.1% with effect from 1st April, 2013
We offer Point-of-Service facility for KYC compliance - we can come to you!

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Home > Personal Banking > Savings Account

Smart Banking with free ATM Card

Every Savings Account comes with a free ATM card. You can withdraw cash per day from our extensive network of ATMs across the country. You can also access over 80,000 ATMs of other banks. Unlike other banks, Ratnakar Bank does not charge its customers a fee for using other Banks' ATMs.

Flexi Banking with free Cheque Payable at Par facility

You can access your account from any of the 100 branches across the country, you can withdraw cash from another Ratnakar Bank branch, through a self-cheque or an ATM. You could also transfer funds between two accounts, or deposit a local cheque in one branch and get it credited to your account in another city within no time.

Smart Banking with free Online Bill Payment Facility

The days of standing in queues to make payments are now over. Pay your bills directly online. The Ratnakar Bank website is a one-stop-shop for a wide variety of payments including landline, cellphone, electricity, LIC Premiums, donations and more. Pay your bills at your own convenience with us.

Safe Deposit with Locker Facility

Your search for safe storage area for all your valuables ends here. Lockers in multiple sizes - small, medium, large and extra-large are available to you at selected branches. Visit your Ratnakar Bank branch for available locker size and fees.

Free Financial Planning

Ratnakar Bank's Financial Planning Experts (FPEs) understand your personal and financial needs and concerns, and provide personalized financial advice to fit your unique needs. Our FPEs also help you track your investments on a regular basis so that you can stay abreast of how your investments are performing. Ratnakar Bank analyzes your financial goals, and tailors a wide array of investment options especially for you. FPEs can help you invest in Fixed Deposits, Recurring Deposits, Equity Mutual Fund, and Debt Mutual fund, Life Insurance, General Insurance and Health Insurance and more.

Free Passbook Facility

Free passbook will be provided. Passbook facility is available at home branch.

Regular Savings Account

Eligibility Individuals above the age of 18 years.

Account Features Minimum Quarterly Average Balance (Metro & Urban) of Rs. 5,000. The account holder is entitled to an ATM card which allows access to over 80,000 ATMs of 41 major banks across India.

Key Benefits

Interest rate of 5.5% p.a. for Savings A/c Balance below Rs. 1 Lakh, 6.1% p.a. for more than Rs. 1 lakh up to Rs. 50 lakh & 7% p.a. for more than Rs. 50 lakhs.
Unlimited Free transactions at any other Bank’s ATM.

Click Here for Schedule of Benefits and Charges

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