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  • OBC Diamond Savings Deposit Account

    Savings Account
    • Instant money transfer
    • 24x7 ATM withdrawals
    • Attractive rate of interest

    Overview of Oriental Bank Diamond Savings Deposit Account

    The OBC Diamond Savings Deposit Account is available to individuals (both singly or jointly), trusts, associations, clubs, HUFs, societies and others, subject to fulfilment of eligibility criteria as per the RBI and KYC norms. The account is primarily aimed at high earning individuals, corporates and other valuable entities with the aim of offering them the best services in a savings bank account.

    Bank Oriental Bank of Commerce
    Category OBC Savings Deposit Account
    Minimum Average Balance Requirements (MAB) Rs.1 lakh Average Quarterly Balance (AQB)
    Debit Card Offered Yes, free issuance and renewal
    Interest Rate 4% per annum

    Services Offered with OBC Diamond Savings Deposit Account

    The following services are provided with OBC Savings Account:

    Passbook Passbook is offered free of cost.
    Personalized Multicity Cheque Books Free of cost.
    Internet Banking Net Banking facilities are available for these account holders.
    SMS Alerts Free SMS alerts.

    Features of OBC Diamond Savings Deposit Account

    These are some of the features and benefits of OBC Diamond Savings Deposit Account:

    Minimum Account Balance (MAB) Rs.250 fine for not maintaining 80% of Average Quarterly Balance (Rs.1 lakh) in the account.
    Interest payment Payable with quarterly rests
    Value Added Services
    • Rs.5 lakhs free personal accident cover till Average Quarterly Balance is maintained.
    • Nomination facility available.
    • 25% discount on locker rent.
    • No charges on standing instructions and stop payment.
    Instant credit of cheques Local or outstation cheques may be instantly credited into the account after 6 months of account operation by paying a fixed amount up to Rs.25,000.
    Easy Fund Transfer Facility Multiple online and offline transfer facilities available.

    Fees and Charges for OBC Diamond Savings Deposit Account

    These are some of the major fees and charges associated with operating the OBC Diamond Savings Deposit Account:

    Service / Product Fees & Charges
    Demand Draft Charges Up to Rs.5,000 – Rs.20 for non-individuals and Rs.15 for individuals. From Rs.5,000 to Rs.10,000 – Rs.50 for non-individuals and Rs.35 for individuals. Above Rs.10,000 – Rs.4 per thousand for non-individuals (minimum Rs.40 and max Rs.12,000) and Rs.3 per thousand for individuals (minimum Rs.40 and max Rs.12,000).
    Any branch cheque deposits Free
    Annual Fee for Debit cum ATM Card 1st year free, Rs.100 second year onwards for VISA cards. Free for Rupay cards.
    Transaction charges in other ATMs 3 transactions per month free at metro locations and 5 transactions free at non-metro locations. Above this, Rs. 8 and Rs. 20 will be charged for non-financial and financial transactions respectively.
    NEFT through Branch Channel Free till Rs.1 lakh, Rs.10 per transaction between Rs.1 lakh to Rs.2 lakhs and Rs.25 per transaction over Rs.2 lakhs.
    Duplicate Passbook Individuals - Rs.50 for latest balance, Rs.50 plus Rs.2 per entry for previous entries. Non-individuals – Rs.100 for latest balance, Rs.100 plus Rs.2 per entry for previous entries.
    Passbook Free
    Account Closure Charges Within 14 days - Nil Over 14 days to up to 1 year - Rs.50 (individual) and Rs.100 (non individuals) Beyond 1 year - Nil
    NEFT through Net Banking Free

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    GST of 18% is applicable on all banking products and services from July 1, 2017 onwards.

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