The Chinatrust Commercial Bank offers various deposit plans that you can choose from, depending on the term period, nature of deposit and its unique saving and withdrawal features.
Apart from competitive interest rates and convenient withdrawal options, our deposit plans offer other features such as overdraft facility details of which are available on request.
Fixed deposits are categorized into deposits with a term period of 15 days onwards up to 3-5 years or as permitted by Reserve Bank of India from time to time. These deposit plans offer convenient solutions to both working individuals as well as senior citizens.
Current and saving deposits are ideal for individuals who wish to take advantage of multiple benefits within the same plan and even be eligible to opt for overdrafts.

Deposit Products & Services
  1. Fixed Deposits
Why just let your money be idle, when you can earn higher interest?
Depending on the period, our various fixed deposit products help you get the best out of your savings by offering you good interest rates

  1. Current Deposits
Current Deposits plan is ideal for professionals and provides flexibility. It is the most basic, most flexible deposit option for those whose transactions take the form of an everyday exercise. Ideal for businessmen & professionals in need of a flexible deposit with an overdraft facility. Absolute liquidity for smooth transactions, helping to meet all kinds of payment obligations. Instructions can be issued and carried out at moment's notice. We can offer the provision for collection of third party cheques.
  1. Savings Deposits
These Accounts are primarily meant to inculcate a sense of saving for the future, accumulating funds over a period of time. Whatever your occupation, we are confident that you will find the perfect banking solution. Open an account in your name or jointly with any family member today. Nomination facilities are available in all personal deposit accounts.

I. Deceased Deposit Account Policy
Settlement of Dues in Deceased Deposit Account
  • If the depositor has registered nomination with the bank, the balance outstanding in the account of the deceased depositor will be transferred to the account of / paid to the nominee after the bank is satisfied about the identity of the nominee, etc.
  • The above procedure will be followed even in respect of a joint Account where nomination is registered with the bank.
  • In a Joint Deposit Account, when one of the Joint Account Holders passes away, the bank is required to make payment jointly to the legal heirs of the deceased person and the surviving depositor(s). However, if the Joint Account holders had given mandate for disposal of the balance in the account in the forms such as "either or survivor, former / latter or survivor, anyone of survivors or survivor, etc.," the payment will be made as per the mandate to avoid delays in production of legal papers by the heirs of the deceased.
  • In the absence of nomination and when there are no disputes among the claimants, the bank will pay the amount outstanding in the account of the deceased person against joint application and indemnity by all legal heirs or the person mandated by the legal heirs to receive the payment on their behalf without insisting on legal documents up to the limit approved by the Bank's board. This is to ensure that the common depositors are not put to hardship on account of delays in completing legal formalities.
Interest Payable on Term Deposit in Deceased Account
  • In the event of death of the depositor before the date of maturity of deposit and amount of the deposit is claimed after the date of maturity, the bank shall pay interest at the contracted rate till the date of maturity. From the date of maturity to the date of payment, the bank shall pay simple interest at the applicable rate obtaining on the date of maturity, for the period for which the deposit remained with the bank beyond the date of maturity; as per the Bank's policy in this regard.
  • However, in the case of death of the depositor after the date of maturity of the deposit, the bank shall pay interest at Savings Deposit rate (as on the date of maturity) from the date of maturity till the date of payment.
II. Nomination Facility:
  • Bank offers nomination facility in deposit accounts. Nomination facility is available on all deposit accounts opened by the individuals. Nomination is also available to a sole proprietory concern account. Nomination can be made in favour of one individual only. Nomination so made can be cancelled or changed by the account holder/s any time. While making nomination, cancellation or change thereof, it is required to be witnessed by a third party. Nomination can be modified by the consent of account holder/s. Nomination can be made in favour of a minor also subject to other major individual being named appointee(s) during the minority period.
  • The bank recommends that all depositors avail nomination facility. The nominee, in the event of death of the depositor/s, would receive the balance outstanding in the account as a trustee of legal heirs. The depositor will be informed of the advantages of the nomination facility while opening a deposit account.
III. INTEREST RATES ON DEPOSITS: :(upto 15lacs)
Effective Date : 20 September, 2011  
Domestic Fixed Deposit / NRO Deposit    
Tenor Interest Rate (% p.a.)  
Previous Revised
7 Days ~ 14 Days
15 Days ~ 30 Days
31 Days ~60 Days
61 Days ~ 90 Days
91 Days ~ 150 Days
151 Days - 180 Days
181 Days ~ 1 Year
Above 1 Year ~ 2 Years
Above 2 Years
*Senior Citizen Deposits
will be given 0.50% additional
(*above 60 years)
5.00% 
5.00% 
5.50%
5.75%
6.25%
6.75%
8.50%
9.25%
8.75%
5.25% 
5.25% 
5.75%
6.00%
6.50%
7.00%
8.75%
9.50%
9.00%

NRE TERM DEPOSIT :
Tenor Interest Rate (% p.a.)
1 Year ~ 2 Year
2 Year ~ 3 Year
3 Year ~ 5 Year
2.48%
2.44%
2.84%
 
Savings Bank Account
Benchmark Prime Lending Rate (BPLR)
Base Rate
4.00%
15.75%
10.25%