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Debit Card :-
This card can be used as an ATM card for withdrawing cash at the following ATMs:
1. Saraswat Bank ATMs
2. Visa enabled ATMs
Debit Card looks similar to a credit card, bearing a Visa logo, and can be used wherever Visa
logo is displayed.
Debit card can be used at Domestic as well as International ATMs, POS machines bearing the
Visa logo at merchant establishment and for Purchases/Ticket Booking through Internet that use
a secured e-Commerce Payment Gateway.
Debit card can be used upto the balance available in the account of cardholder. The daily
transaction limit for Point of Sale + Online + ATM together is maintained at Rs 50,000/- with a
maximum limit of Rs 25,000/- per day for ATM withdrawals. e.g.
1. ATM Cash withdrawal Rs 15,000/- + POS transaction Rs 20,000/- + Online transaction
Rs 15,000/-
2. ATM Cash withdrawal Rs 25,000/- + POS transaction Rs 15,000/- + Online transaction
Rs 10,000/-
3. ATM Cash withdrawal Rs 25,000/- + POS transaction Rs 25,000/- + Online transaction -
NIL
4. Funds Transfer in linked accounts on Saraswat Bank's ATMs ONLY.
Benefits to You:
1. Facilitates electronic transactions and saves the customer from carrying cash or
withdrawing cash.
2. Provides access to merchant establishments, eCommerce transactions and ATM access.
3. Offers the customers safety and security.
4. Extensive usage across a number of establishments as VISA is widely recognised in all
leading departmental stores, eCommerce sites and retail outlets all over the world.
5. Helps customer stay in control as it tracks their expenses.
6. In case of international traveler, it can save the customer from having to stock up on
traveller's cheques or cash when he/she travels.
7. Debit cards may be more readily accepted than cheques, especially in other states or
countries as one need not verify the authenticity of the payment and the merchant is
assured of immediate payment.
8. Lost Card Insurance Cover of Rs 50,000/-
Registration
For registration you may contact your nearest branch .The form for Registration can be
downloaded from the "forms" section in the website.
Charges :
Click here to view the detail list of Debit Card Charges
Maximum withdrawal from Other Bank ATM is Rs 10000/- per transaction with an overall limit
of Rs 50,000/- per day.
SMS Banking :-
SMS Banking brings the Banking at your fingertips. Bank has introduced the SMS
Banking Facility for its customers.
The keywords and their syntax for SMS Requests are given below:
Mobile Banking Number - 9223810000
Request SMS Message Information
Blocking of
Multiple Cards All the cards will be
Send keyword
(Use this option permanently blocked. You
asBLOCK to9223810000
when you do not will have to apply for a fresh
Example BLOCK
remember your card.
card number.)
Send keyword
asSTOPCHQ(Space) (15 digit
Specific Cheque will be
Stop payment of Account no) (Space) (Cheque
stopped and informed by
cheque No.) to9223810000.
SMS.
Example STOPCHQ
126203100009999 12345
Send keyword
Your email id will be
asEMAILID(Space)
Register your e- registered as Registered
(domain.com) to9223810000.
mail id Email ID (REID) and
Example EMAILID
confirmed by SMS.
abc@xyz.com
Inter Bank IMPSP [beneficiary mobile no] After sending SMS funds will be
Fund Transfer [Beneficiary MMID] [Transaction transferred to beneficiary
( Based on amount] [Remitter MMID] account. T-pin is your mobile
Mobile no ) [Transaction PIN] to 9223810000 banking transaction password.
Customer has to submit his request for SMS Banking at home branch in
format specified which is available under forms section.
Insurance :-
It is our earnest endeavour to offer suites of new and competitive financial products and
services.We have for this purpose tied up with various insurance companies. The details
of tie-up and products offered are given below:
LIFE INSURANCE
We are the Corporate Agents for the distribution of Life Insurance products, of M/S HDFC
Standard Life Insurance Co Ltd. Under this tie up arrangement, we offer following life
insurance products:
Protection Plans
Protection Plans help to shield your family from uncertainties in life due to financial losses
in terms of loss of income that may dawn upon them incase of your untimely demise or
critical illness. Protection Plans go a long way in ensuring your familys financial
independence in the event of your unfortunate demise or critical illness. They are all the
more important if you are the chief wage earner in your family. No matter how much you
have saved or invested over the years, sudden eventualities, such as death or critical
illness, always tend to affect your family financially apart from the huge emotional loss.
Childrens Plan
Childrens Plans help to save,so that you can fulfill your childs dreams and aspirations.
These plans go a long way in securing your childs future by financing the key milestones
in their lives even if you are no longer around to oversee them. Childrens Plans help you
save steadily over the long term so that you can secure your childs future needs, be it
higher education, marriage or anything else. A small sum invested by you regularly can
help you build a decent corpus over a period of time and go a long way in providing your
child a secured financial future alongwith .
Retirement Plans
Retirement Plans provide you with financial security so that when your professional
income starts to ebb, you can still live with pride without compromising on your living
standards. By providing you a tool to accumulate and invest your savings, these plans
give you a lump sum on retirement, which is then used to get regular income through an
annuity plan. Given the high cost of living and rising inflation, employer pensions alone
are not sufficient. Pension planning has therefore become critical in today's world.
Savings and Investment Plans
You have always given your family the very best. And there is no reason why they
shouldnt get the very best in the future too. As a judicious family man, your priority is to
secure the well-being of those who depend on you. Not just for today, but also in the long
term. More importantly, you have to ensure that your familys future expenses are taken
care, even if something unfortunate were to happen to you. Our Savings & Investment
Plans provide you the assurance of lump sum funds for your and your familys future
expenses. While providing an excellent savings tool for your short term and long term
financial goals, these plans also assure your family a certain sum by way of an
insurance .
Health Plans
Health plans give you the financial security to meet health related contingencies. Due to
changing lifestyles, health issues have acquired completely new dimensions becoming
more complex in nature. It becomes imperative then to have a health plan in place, which