Accounts & Deposit > Current account > New Current Account Variant (Pearl, Emerald, Ruby, Sapphire, Diamond)
New Current Account Variant (Pearl, Emerald, Ruby, Sapphire, Diamond)
Features of New Current Account Variant
| Segment | Pearl | Emerald | Ruby | Sapphire | Diamond |
|---|---|---|---|---|---|
| MAB (INR) | 50 K – 1 lac | 1 lac – 5 lac | 5 lac – 10 lac | 10 lac – 25 lac | 25 lac & above |
| Cash deposit (Monthly) | 10 times the MAB. For non-base branch, the limit will be ₹1 lac/day | 10 times the MAB. For non-base branch, the limit will be ₹1 lac/day | 15 times the MAB. For non-base branch, the limit will be ₹1 lac/day | 15 times the MAB. For non-base branch, the limit will be ₹1 lac/day | 15 times the MAB. For non-base branch, the limit will be ₹1 lac/day |
| Cash withdrawal | Home Branch-Free unlimited | Home Branch-Free unlimited | Home Branch-Free unlimited | Home Branch-Free unlimited | Home Branch-Free unlimited |
| (self) | Non-home branch – 1L/day | Non-home branch – 1L/day | Non-home branch – 1L/day | Non-home- 1 L/day | Non-home – 1 L/day |
| Cheque book | Free 50 leaves per quarter | Free 100 leaves per quarter | Free 200 leaves per quarter | Free 300 leaves per quarter | Free unlimited cheques |
| ATM cash withdrawals limit | Daily limit of 75,000/ day | Daily limit of Rs 1 lac/day | Daily limit of 1L/day | Daily limit of 2L/day | Daily limit of 2L/day |
| ATM PoS limit | Limit of 1.5 lac/day | Limit of 3 lac/day | Rs 3 lac/day | Rs 5 lac/day | Rs 5 lac/day |
| RTGS & NEFT charges | Free unlimited | Free unlimited | Free Unlimited | Free Unlimited | Free Unlimited |
| DD charges | Free up to 10 DD per month | Free up to 15 DD per month | Free Unlimited | Free Unlimited | Free Unlimited |
| Locker charges for area < 1800 cubic inches | Standard charges | 25% concession to Sole proprietor for the first year only. | 50% concession on first year locker rent to the Sole proprietor for the first year only | 75% concession on first year locker rent to the Sole proprietor for the first year only | Lifetime waiver on the locker rent to the Sole proprietor up to currency of the account. |
| Minimum Balance Charges | 250 + GST | 500 + GST | 1000 + GST | 1500 + GST | 2000 + GST |
| Segment | Pearl | Emerald | Ruby | Sapphire | Diamond |
|---|---|---|---|---|---|
| MAB (INR) | 50 K – 1 lac | 1 lac – 5 lac | 5 lac – 10 lac | 10 lac – 25 lac | 25 lac & above |
| Segment | Pearl | Emerald | Ruby | Sapphire | Diamond |
|---|---|---|---|---|---|
| Debit cards for sole proprietor & up to 1 partner/director | Free Issue of RuPay select/Visa signature or equivalent cards | Free Issue of RuPay select/Visa signature or equivalent cards | Free Issue of RuPay select/Visa signature or equivalent cards | Free issue of Rupay HNI Emperio debit or equivalent cards | Free issue of metal Rupay HNI Emperio debit or equivalent cards |
| AMC – Nil | AMC – Nil | AMC – Nil | AMC – Nil | AMC - Nil | |
| Personal accident insurance up to the age of 70 yrs. | NIL | Total Complimentary Cover up to 10 lac for Sole Proprietor | Total Complimentary Cover of 10 lacs for sole proprietor | Total Complimentary Cover of 50 lacs for sole proprietor | Total Complimentary Cover of 1 Cr for the sole proprietor |
| Term insurance up to the age of 60 yrs. | NIL | Cover up to 1 lac for Sole Proprietor | Total Complimentary Cover of 2 lakhs for sole proprietor | Total Complimentary Cover of 5 lakhs for sole proprietor | Total Complimentary Cover of 10 lakhs for sole proprietor |