Smart Capital Optimization
Automate your business surplus to earn more while staying ready for every opportunity.
The FFDCA is an intelligent current account solution that ensures your business's idle cash works as hard as you do. By linking your Current Account to a Flexi-Fixed Deposit, surplus funds above a set threshold are automatically swept into high-interest deposit units. When your business needs to honor a payment or withdrawal, the system seamlessly "sweeps back" the necessary funds, providing the perfect balance between high-yield growth and 100% operational liquidity.
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Free Insurance
Life & Accident Cover
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Digital Services
Mobile Banking, UPI
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Debit Card
Rupay Classic, Platinum
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Personal Service
People-centric Banking
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Balance & Threshold: Minimum balance requirement is Rs.25,000, Sweep out to FD if balance exceeds Rs.10,00,000, Convert to FD in multiples of Rs.50,000 for a tunuere of 29 days. Maximum FD amount per sweep is Rs.10,00,000.
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Two-Way Sweep: Automatic movement of funds from Current Account to FD (Sweep-out) and back to Current Account (Sweep-in) as needed.
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Maximized Earnings:Ā Earn attractive term deposit interest rates on business surpluses that would otherwise earn zero interest in a standard current account.
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Preserved Liquidity:Ā Deposits are broken in small units only when required to meet cheque payments or withdrawals, ensuring minimal interest loss.
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LIFO Processing:Ā The "Last-In, First-Out" method ensures that older deposits continue to earn interest for the longest possible duration.
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Customizable Thresholds:Ā Set your own "threshold limit" based on your daily business overheads and cash flow cycles.
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No Manual Tracking:Ā The automated system handles all transfers, saving time for business owners and accountants.
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Free: NEFT, RTGS, DD, Payorder and Chequebooks
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Free: 3 ATM Transactions at other Banksā ATMs (in metro cities)
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Free : SMS
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Sole Proprietorships and Partnership Firms.
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Private and Public Limited Companies.
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LLPs (Limited Liability Partnerships).
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Trusts, Associations, and Clubs.
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Business PAN Card and Registration Certificate (GST/Udyam/Trade License).
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Partnership Deed or Memorandum & Articles of Association (MOA/AOA).
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Board Resolution for account operation and "Flexi" mandate.
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KYC (OVD and Photos) of all authorized signatories.
- How does FFDCA benefit my business?
It allows your idle business funds to earn FD-level interest without affecting your ability to make urgent vendor payments. - What is the minimum sweep amount?
Sweeps usually occur in units of ā¹10,000 or ā¹25,000 once the threshold limit is crossed. - Is there a penalty for the automated reverse sweep?
No, there is no premature penalty for units broken through the "sweep-in" mechanism to honor payments. - Does this affect my cheque-clearing process?
Not at all. The system automatically pulls funds from your FD units to ensure your cheques are honored instantly. - Are there any extra charges for this facility?
The sweep facility is a value-added service; refer to the current schedule of charges for any nominal processing fees.
- Minimum Balance:Ā Rs.25,000/-
- Sweep Processing: NIL.
(Exclusive of GST)
-
Balance & Threshold: Minimum balance requirement is Rs.25,000, Sweep out to FD if balance exceeds Rs.10,00,000, Convert to FD in multiples of Rs.50,000 for a tunuere of 29 days. Maximum FD amount per sweep is Rs.10,00,000.
-
Two-Way Sweep: Automatic movement of funds from Current Account to FD (Sweep-out) and back to Current Account (Sweep-in) as needed.
-
Maximized Earnings:Ā Earn attractive term deposit interest rates on business surpluses that would otherwise earn zero interest in a standard current account.
-
Preserved Liquidity:Ā Deposits are broken in small units only when required to meet cheque payments or withdrawals, ensuring minimal interest loss.
-
LIFO Processing:Ā The "Last-In, First-Out" method ensures that older deposits continue to earn interest for the longest possible duration.
-
Customizable Thresholds:Ā Set your own "threshold limit" based on your daily business overheads and cash flow cycles.
-
No Manual Tracking:Ā The automated system handles all transfers, saving time for business owners and accountants.
-
Free: NEFT, RTGS, DD, Payorder and Chequebooks
-
Free: 3 ATM Transactions at other Banksā ATMs (in metro cities)
-
Free : SMS
-
Sole Proprietorships and Partnership Firms.
-
Private and Public Limited Companies.
-
LLPs (Limited Liability Partnerships).
-
Trusts, Associations, and Clubs.
-
Business PAN Card and Registration Certificate (GST/Udyam/Trade License).
-
Partnership Deed or Memorandum & Articles of Association (MOA/AOA).
-
Board Resolution for account operation and "Flexi" mandate.
-
KYC (OVD and Photos) of all authorized signatories.
- How does FFDCA benefit my business?
It allows your idle business funds to earn FD-level interest without affecting your ability to make urgent vendor payments. - What is the minimum sweep amount?
Sweeps usually occur in units of ā¹10,000 or ā¹25,000 once the threshold limit is crossed. - Is there a penalty for the automated reverse sweep?
No, there is no premature penalty for units broken through the "sweep-in" mechanism to honor payments. - Does this affect my cheque-clearing process?
Not at all. The system automatically pulls funds from your FD units to ensure your cheques are honored instantly. - Are there any extra charges for this facility?
The sweep facility is a value-added service; refer to the current schedule of charges for any nominal processing fees.
- Minimum Balance:Ā Rs.25,000/-
- Sweep Processing: NIL.
(Exclusive of GST)