Bandhan Bank Ltd.

To support varieties of clienteles with different financial requirements, Bandhan bank offers a host of options under savings accounts. Here is the list of 10 savings accounts offered by the bank: 

1. Neo+ Digital Savings Account – vKYC: This savings account allows video call KYC verification along with paperless, hassle-free, and swift account creation. 
2. Elite Savings Account: This offers a host of relationship and lifestyle benefits along with unlimited cash withdrawals facility and free ATM withdrawals from other banks. 
3. Premium Savings Account: This account has an average account balance of Rs.1 lakh that offers the users various lifestyle privileges and other benefits. 
4. Advantage Savings Account: Offers seamless banking services along with multiple complimentary features including Visa Platinum Debit Card. 
5. Respect Programme – For Senior Citizens: This account is specially for elderly people that offers healthcare benefits, priority banking services, and other exclusive transaction benefits and complimentary facilities. 

1. Standard Savings Account: This easy-to-use savings account comes with low maintenance charges and offers a wide range of standard benefits.  
2. Special Savings Account: This low-balance savings account offers convenient facilities and other complimentary benefits to the differently abled individuals.  
3. Sanchay Savings Account: This safe and smooth banking account is easy to access and offers good returns with exclusive debit card benefit and nomination facility 
4. BSBDA Savings Account: This zero-balance savings account with no upper limit enables users to open this account with ease and offers zero maintenance cost. 
5. BSBDA-Small Savings Account: This zero-balance account requires minimum documentation for account opening and involves no annual maintenance charge. 

1. Corporate Salary Accounts: This zero-balance account is especially for salaried individuals and comes with multiple shopping benefits. The four corporate salary accounts offered by the bank are Standard salary account, Advantage salary account, Premium salary account, and Shaurya salary account.

Current account 

Bandhan bank offers a range of current accounts such as Biz Advantage, Biz Samridhi accounts, Biz Premium, and Biz Standard. The bank offers higher withdrawal limit and overdraft facility through these accounts. 

Fixed deposit (FD): 

Bandhan bank offers a customised option for wealth building through a range of deposit plans with attractive rates of interest. Here’s a range of deposits provided by the bank: 

1. Standard Fixed Deposit: It offers either monthly or quarterly interest payout option and has a minimum deposit amount of Rs.1,000. 
2. Premium Fixed Deposit: This high value term deposit plan has a minimum deposit amount of Rs.2 crore with a tenure of 7 days to 10 years. It also offers premature or partial closure. 
3. Tax Saver Fixed Deposit: The minimum deposit amount is Rs.1,000 for a time span of 5 to 10 years and maximum deposit value of Rs.1.5 lakh in a financial year. It helps save tax and offers high returns on maturity. 
4. Advantage Fixed Deposit: This FD scheme has a minimum deposit value of Rs.1,000 for a time period of 6 months to 10 years. The interest is compounded annually and offers nomination facility as well. 
5. Dhan Samriddhi Fixed Deposit: This deposit scheme has a minimum face value of Rs.5,000 and enables users to reinvest the compounded interest for high returns in a short time. 

1. Super Saver Fixed Deposit: This daily deposit scheme with minimum deposit amount of Rs.10 is ideal for daily wage earners. After reaching a certain threshold the funds get transferred to the fixed deposit scheme for a specific tenure.  

Recurring deposit (RD): 

The recurring deposit schemes offered by Bandhan bank provide flexible instalments and single or joint account facility with scheme tenure ranging between six months to 10 years.  

Debit Cards: 

Here is the list of debit cards offered by Bandhan bank with exclusive offers and enhanced security: 

1. Bandhan Bank Mastercard Platinum Debit Card: This card offers travel benefits, international usage, and lounge access. It offers personal accidental coverage and air accidental coverage of Rs.10 lakh and Rs.1 crore, respectively. It also offers daily cash withdrawals and purchase limits of Rs.2 lakh and Rs.6 lakh respectively. 
2. Bandhan Bank Visa Platinum Debit Card: This card offers free accidental coverage and purchase protection. It has a daily transaction limit of up to Rs.4 lakh and a daily withdrawal limit of Rs.1 lakh. 
3. Bandhan Bank Visa Classic Debit Card: This card offers daily cash withdrawal of Rs.40,000 and free accidental coverage of up to Rs.2 lakh along with purchase protection and lost card coverage. 
4. Bandhan Bank RuPay Classic Debit Card: Chip enabled card with daily cash withdrawal limit of Rs.40,000 and transaction limit of Rs.1 lakh. 

Credit cards 

The following is the list of credit cards offered by Bandhan bank that provide attractive rewards along with multiple joining benefits: 

1. Bandhan Bank One Credit Card: It offers 500 reward points, costs Rs.299 as an annual fee, and waives renewal fee on annual spend of Rs.60,000.  
2. Bandhan Bank Plus Credit Card: It offers 1,500 reward points as joining benefit along with fuel surcharge waiver and costs Rs.699 as annual fee.  
3. Bandhan Bank Xclusive Credit Card: This card offers fuel surcharge waiver, travel benefits, renewal fee waiver, Amazon voucher and reward points. It comes with an annual fee of Rs.2,999. 

Loans: 

Depending upon the requirements, customers can avail themselves of a variety of loan options provided by Bandhan bank. The following is the list of loan options provided by the bank: 

1. Home loan: Bandhan bank offers different home loan options to their micro-banking borrowers for tenure of minimum five years and maximum 30 years for construction and five years for renovation. Some of its home loan options are Suraksha Home Loan, Sajavat Home Loan, Su-awas Home Loan, and Suvidha Home Loan. 
2. Gold loan: The bank provides gold loan option with minimum documentation and free locker benefit. Loan amount starts from Rs.10,000 and offers repayment tenure ranging between six to 36 months. 
3. Personal loan: Loan amount ranging between Rs.50,000 to Rs.25 lakh can be availed at an attractive rate of interest with a flexible repayment tenure of up to 60 months. 
4. Car loan: The bank provides loan amount of Rs.1 lakh to Rs.1 crore with flexible repayment tenure of maximum up to 84 months. 

1. Two-wheeler loan: Provides maximum on-road price with repayment tenure of up to four years. 
2. Loan against term deposit: Customer can avail themselves of a maximum loan amount of 90% of the term deposit with a flexible tenure payment of up to three years.  
3. Loan against property: Loan amount of 60% of the residential property can be availed by the customers on their existing self-occupied residential property. The bank offers repayment tenure starting from five years to 30 years. 

Insurance: 

Bandhan bank provides multiple insurance services to its customers. Here is a list of insurance products offered by the bank: 

1. Health insurance: The health insurance plans offered by Bandhan bank come with a host of facilities including Ayush benefits, maternity coverage, critical illness coverage, tax benefits and many others. 
2. Life insurance: The bank offers 10 insurance plans with flexible premiums, lumpsum maturity benefits, terminal illness benefits and many other facilities. 
3. Car insurance: This insurance plan comes with comprehensive third-party coverage, protection against natural calamities, auto-renewal facility and speedy claim resolution with minimum paperwork. 
4. Travel insurance: From baggage and passport loss to trip cancellation and other travel related emergencies, the bank provides various facilities under their travel insurance plan.  
5. Home insurance: Bandhan bank offers shelter protection against man-made and natural calamities through their comprehensive home insurance plan that comes with multiple benefits. 

Investments: 

The investment option provided by Bandhan bank is: 

1. Mutual funds: The bank offers Systematic Investment Plan (SIP) and multiple funds such as equity, debt, hybrid and other schemes that provide guaranteed returns with tax benefits. 

Banking Service 

Some other banking services offered by Bandhan bank are as follows: 

1. Internet banking: The bank allows users to transact, access accounts, transfer funds, update personal details, pay bills, recharge and perform other banking activities through internet banking. 
2. Mobile banking: The bank allows users to access multiple banking products through their mobile banking services. The bank provides the following mobile banking services: mBandhan app, BHIM Bandhan UPI app, SMS banking, missed call banking, and *99# banking. 
3. Safe deposit locker: The bank offers a locker facility to its users at over 499 branches at a competitive rate with three size options. 
4. Doorstep banking: Doorstep banking enables users to access various banking services conveniently through biometric devices from the user’s location.