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Personal Banking
Take your first step in Banking with our easy-to-use savings accounts.
Corporate Banking
Go cashless… anywhere, anytime with our Bharat Bank Debit cards.
Digital Banking
Bharat Bank on YOUR FINGERTIPS….. with our Best-in-class NEXA mobile app.
International Banking
Enjoy Highest Returns with lowest risk.... with Bharat Bank Fixed Deposits.
Recommended Products for
Salaried Individuals
Tailored financial solutions from Bharat Bank based on your profile.
Deposit Products
Regular Savings Account
Easy access to funds with Net Banking and Mobile Banking facilities.
Flexi Fixed Deposit (FFDSB)
Balance above ₹50,000 earns FD rates while remaining liquid.
Cumulative Deposit Scheme
Compound your monthly savings over a flexible tenure.
Loan Products
Housing Loan
Competitive rates for buying, building, or renovating your home.
Consumer Loan
Finance for purchasing consumer durables and household appliances.
Vehicle Loan
Finance for new or used cars and two-wheelers with easy EMIs.
Recommended Products for
Professionals
Tailored financial solutions from Bharat Bank based on your profile.
Deposit Products
Bharat Silver Current
Ideal for Doctors and CAs with low average monthly balance requirements.
Flexi Fixed Deposit (FFDCA)
Sweep facilities for Current Accounts to maximize interest on idle cash.
Quarterly Income Plan
Receive interest payouts every quarter to manage professional overheads.
Loan Products
Loan to Doctors
Finance for setting up clinics or purchasing advanced medical equipment.
Mortgage Loan
Loan against property for professional expansion or personal requirements.
Consumer Durable Loan
Easy financing for laptops, IT systems, and professional hardware.
Recommended Products for
Business Owners
Tailored financial solutions from Bharat Bank based on your profile.
Deposit Products
Platinum Current Account
Unlimited cheque leaves and free RTGS/NEFT for active traders.
Regular Current Account
Standard current account for seamless daily business transactions.
Regular Fixed Deposit
Safe parking for business surplus with flexible tenure options.
Loan Products
Working Capital Finance
Cash Credit and Overdraft facilities to manage daily business operations.
Bharat MSME Loan
Tailored credit for manufacturing and service sector enterprises.
Trade Finance
Letters of Credit and Bank Guarantees for institutional trade requirements.
Recommended Products for
Trust, Society & AoP
Tailored financial solutions from Bharat Bank based on your profile.
Deposit Products
Regular Current Account
Standard current account for managing everyday institutional cash flows, payroll, and collection activities safely.
Regular Fixed Deposit
Secure parking for institutional funds with options for Monthly/Quarterly interest payouts to manage recurring operations.
Long Term Deposits (LTDs)
Premium institutional interest rates for long-term locked capital, endowments, and building reserve funds.
Loan Products
Loan to Doctors / Healthcare Trusts
Specialized term funding for hospital/clinic premises construction, modernization, or buying advanced medical equipment.
OD Suvidha
Instant overdraft line up to 95% against your institutional fixed deposits without breaking the core corpus prematurely.
Business Loans
Asset-backed commercial loans to finance civil construction, purchase office spaces, or build institutional infrastructure.
Recommended Products for
Retired Individuals
Tailored financial solutions from Bharat Bank based on your profile.
Deposit Products
Senior Citizen Fixed Deposit (MID)
Earn an additional 0.50% interest p.a. with convenient monthly payouts to smoothly manage regular living costs.
Cumulative Senior Citizen Deposit
Reinvest your retirement corpus with an extra 0.50% senior citizen premium rate compounded quarterly for long-term growth.
Bharat Deposit Tax Benefit Scheme
Secure 5-year fixed deposit offering tax deductions under Section 80C to optimize your taxable interest income.
Loan Products
OD Suvidha
Instantly draw a credit line up to 95% of your fixed deposit value during medical crises, leaving your deposit earnings intact.
Gold Loan (Swarna Gowri)
Quick loan processing up to ₹25 Lakhs against your gold ornaments with zero income slip or rigid paperwork hurdles.
Consumer Loan
Easy, hassle-free micro-financing up to ₹1.00 Lakh for updating home appliances or purchasing essential electronics.
Recommended Products for
Students
Tailored financial solutions from Bharat Bank based on your profile.
Deposit Products
Bharat Champs Account
An independent zero-balance minor account for kids aged 10-18 equipped with a safe, capped daily debit card.
Minor Savings Accounts
A zero-balance foundational account managed comfortably by parents or legal guardians for school fee allocations.
Recurring Deposit (RD) Scheme
Allows college students to build a secure educational budget out of monthly allowances with guaranteed interest rates.
Loan Products
Vidya Vahini Loans
Comprehensive higher education funding up to ₹75.00 Lakhs for courses in India/abroad featuring a relaxed course-plus-one-year moratorium.
Consumer Loan
Quick finance up to ₹1.00 Lakh for buying laptops, educational gadgets, or study equipment with easy monthly EMIs.
Vehicle Loan for Personal Use
Accessible personal vehicle financing for major college students with parent co-signers to smooth out campus travel.
Recommended Products for
Home Makers
Tailored financial solutions from Bharat Bank based on your profile.
Deposit Products
Recurring Deposit (RD) Scheme
Systematically transform your monthly household savings and allowances into a large, secure personal corpus.
Standard Fixed Deposit
Safely invest any festival or celebratory cash gifts to grow securely through quarterly compounding benefits.
Normal Savings Bank Account
Your primary digital wallet paired with the Nexa app for seamless daily household banking, bill payments, and UPI tracking.
Loan Products
Bharat Vanita Udyami
Dedicated funding options up to ₹200 Lakhs to confidently start or scale home boutiques, cloud kitchens, or small trades.
Loan against Gold Ornaments
Bypass strict monthly income proof hurdles by leveraging personal ornaments for rapid, low-interest emergency cash.
OD Suvidha
Gain an instant credit line up to 95% of your active fixed deposits without incurring early closure penalties.
For Businesses
For Individuals
₹1,50,000
₹8,29,097
₹1,50,000
₹1,50,000
One of the most Customer Friendly Banks in India
Serving the Nation over the Decades
Founded in Mumbai on August 21, 1978, Bharat Co-operative Bank Ltd (Bharat Bank) quickly gained a reputation as a fast-growing institution. Bharat Bank became a pioneer by implementing Core Banking Solution (2003) and later acquired an AD Category-I license (2009). By 2015, the bank had expanded to 75 branches across Maharashtra, Karnataka, and Gujarat.
Surakshit Bharat
A Cybersecurity Awareness Initiative by Bharat Bank