Liquidity at Your Fingertips
Enjoy the high returns of an FD with the freedom to withdraw whenever needed.
Bharat Bank’s Suvidha Deposit is a unique fixed deposit scheme engineered to provide maximum convenience (Suvidha) to our depositors. Unlike traditional FDs where the entire amount is locked, Suvidha allows you to withdraw funds in small units to meet urgent requirements. The remainder of your deposit continues to earn high interest at the original contracted rate, ensuring that your financial emergencies don't compromise your long-term savings goals.
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Personal Service
People-centric Banking
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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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Unitized Deposits: Your total investment is maintained in convenient units (e.g., multiples of ₹1,000), allowing for precise partial withdrawals.
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Partial Withdrawal Facility: Withdraw only the amount you need while the balance continues to earn the original interest rate.
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High-Yield Returns: Earn interest rates on par with our standard Term Deposits, significantly higher than a regular Savings Account.
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No Breaking of Entire FD: Avoid the hassle of closing and reinvesting the entire deposit when you only need a fraction of the funds.
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Flexible Tenures: Choose a deposit period that aligns with your financial planning, ranging from short-term to long-term.
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Senior Citizen Advantage: Preferential interest rates are applicable for depositors aged 60 and above.
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Chequebook Facility: Use chequebook to pay/withdraw amount.
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Overdraft Facility: Available upto 90% of deposit.
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Interest payable on monthly or quarterly basis as per your choice.
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Resident Individuals (Singly or Jointly).
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Hindu Undivided Families (HUF).
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Sole Proprietorships, Partnership Firms, and Limited Companies.
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Trusts, Associations, and Registered Societies.
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One latest passport-size photograph.
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Any one of - Aadhaar Card, Voter’s ID, Driving License, Passport, Job Card issued under MGNREGA or the new Viksit Bharat-G RAM G Act, Letter issued by the National Population Registrar
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PAN Card or Form 60.
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How is a Suvidha Deposit different from a regular FD? In a regular FD, you must break the whole deposit for any withdrawal. In Suvidha, you can withdraw a portion in units and keep the rest intact.
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What is the minimum unit for withdrawal? Withdrawals are generally allowed in multiples of ₹1,000.
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Will the interest rate change on the remaining balance after a withdrawal? No, the remaining balance continues to earn interest at the rate fixed at the time of account opening.
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Is there a interest/penalty for partial withdrawal? A nominal premature penalty is applied only to the specific units withdrawn, not to the entire deposit amount.
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Can I avail a loan against a Suvidha Deposit? Yes, you can avail of a loan or overdraft facility against the balance remaining in your Suvidha account.
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Minimum Deposit: Typically starts at ₹10,000 to allow for meaningful unitisation.
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Premature Penalty: Applicable only on the amount withdrawn (standard 1% below applicable rate).
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Administrative Charges: NIL for partial withdrawal processing.