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
Individuals above the age of 18 years.
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.
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.