- Interest Rate: Highly Attractive Interest Rate
- Minimum Balance: 10,000
- Interest Payment: Quarterly
Garima Surakchhit Nikchhyap Yoajana is an one year FD product of GBBL having insurance facilities and highest interest rate.
Insurance Plan:
|
SN |
Amount |
Interest Rate |
Hospitalized charge(Bed Charge) |
Accidental Insurance |
Surgery Facility |
|||
|
Quarterly |
Lump sum |
Minor |
Medium |
Major |
||||
|
1. |
10,000 to 99,999.00 |
As Published |
As Published |
N/A |
100,000.00 |
N/A |
N/A |
N/A |
|
2. |
100,000.00 to
199,999.00 |
As Published |
As Published |
600.00 |
100,000.00 |
7,000.00 |
14,000.00 |
21,000.00 |
|
3. |
200,000 to
299,999.00 |
As Published |
As Published |
1200.00 |
200,000.00 |
7,000.00 |
14,000.00 |
21,000.00 |
|
4. |
300,000.00 to
399,999.00 |
As Published |
As Published |
1800.00 |
300,000.00 |
7,000.00 |
14,000.00 |
21,000.00 |
|
5. |
400,000.00 and above |
As Published |
As Published |
3000.00 |
400,000.00 |
7,000.00 |
14,000.00 |
21,000.00 |
Conditions:
- This Policy is applicable only after 30 days from the date of FD opened
- Not applicable for age group above 60 years
- Daily Medical Treatment facility up to 45 days
- Medical claim of Eye and Dental problems not applicable in this policy
- Not applicable for Pregnant case, Abnormal Person, HIV Aids, Drunk person, organ transplantation, suicide etc
- Others Condition Applicable as per Himalayan General Life Insurance
Requirements for Individuals
- Completed FD account opening form
- Two Passport photograph (for new customer)
- Valid means of identification ; Citizenship ID or Passport
- Birth Certificate or age verifying document in case of minor and copy of Citizenship of the Guardian
- Nominee Citizenship copy & one Passport size Photo (Nominee not mandatory)
Pre
Matured Fixed Deposit
In a situation when fixed deposit is not due for
payment but client is requesting for payment he/she should be explained about
loss of interest. Instead by liquidating fixed deposit he/she should be advised
to avail advance/loan against the Fixed Deposit Receipt. Even if the customer
does not agree the FDR can be liquidated after taking approval of operation in
charge or branch manager with following actions:
- The interest rate applicable will be normal saving account’s rate which is less than the closet prevailing rate for the completed period.
- In case of non-renewal of Garima Swastha Surakshit
Nikchep Yojana, branch should inform head office Finance Department for
cancellation of insurance.
