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Fixed Deposits

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Deposit

Digital Deposits

As part of our digital initiatives, new depositors can place fresh deposits through https://one.sundaramfinance.in/deposits

Existing Depositors through our Online Portal (Desktop Version) or SF Next app can

  • Place Additional Deposits
  • Renew the TDR
  • Initiate Payment Requests
  • Furnish Form 15G/H
  • Initiate Address Change Requests
  • Update/Modify Bank Details
  • Download Interest Statements
  • View Deposit Details
  • Update/Modify Mobile No. & Email ID
  • View the E-TDRs / Options to choose E-TDR or Physical TDR

For enabling Online Access, kindly email your Customer id to depositshelpdesk@sundaramfinance.in.


One Time Registration

Registration procedure to access SF Online portal (Desktop version)

  1. Please click the Login link on the website or click the link given below: Login Link
  2. Click “New User?” option.
  3. Enter Registered Mobile No. (RMN) in the Mobile Number field.
  4. Then click "Request for OTP”.
  5. Enter and verify the OTP.
  6. Enter either PAN or Date of Birth.
  7. Enter a new password and re-enter the same to confirm.
  8. Enter Captcha.
  9. Select the Terms and Conditions checkbox and click “Submit”.
  10. After that, login using your RMN and password.

Registration procedure to access SF Next app


  1. Go to Google Play Store or Apple App Store and download the “SF Next” app.
  2. Click “New user? Register” option.
  3. Enter Registered Mobile No. (RMN).
  4. Select Terms & Conditions, accept the same, and click Next.
  5. For verification of your device, send an auto-encrypted SMS.
  6. Enter PAN or Date of Birth to verify.
  7. Create Password/MPIN.
  8. Login using your Password or MPIN.

Our deposits have been continuously rated AAA for 30 years

Trusted by three generations of depositors

80% of our depositors have stayed with us for atleast 10 years

Click here for deposit application form

Fixed Deposits

Make a deposit and earn interest at Monthly/Quarterly (March, June, September, December) intervals.

Methods of Interest Credit:

  • NEFT

Fixed Deposits - Interest Rates
(effective July 01, 2025)

Senior Citizen**Others
Tenor in Months Rate (% at Annual Rests) Monthly Interest Rate %p.a Quarterly Interest Rate %p.a Rate (% at Annual Rests) Monthly Interest Rate %p.a Quarterly Interest Rate %p.a
127.206.977.016.706.506.54
247.507.257.307.006.786.82
367.507.257.307.006.786.82

* Minimum Deposit Rs. 10,000/- per account
* Interest rates on existing deposits remain unchanged till maturity
**Completed age 60 years on the date of Deposit/Renewal

x

What types of Deposits are available?

Cumulative as well as Fixed (Regular Income Scheme) Deposits are available.

What is the difference between a Fixed deposit and a Cumulative deposit?

For Fixed Deposits, the interest is payable on either a monthly or quarterly basis.

For Cumulative Deposits, the interest is payable at the time of maturity together with the principal amount invested.

What is the minimum Deposit accepted by the Company?

The minimum deposit for both the Fixed and Cumulative deposit schemes is Rs.10,000/-.

The amount can be placed by Cheque/ Demand Draft / RTGS / NEFT.

Cheques and Demand Drafts may be issued favouring “Sundaram Finance Limited".

How may I obtain a Deposits Application Form?

Deposit Application Forms are available at all our Branches or can be downloaded from our website by clicking the link Deposits Application Form

Can a Deposit be placed in the name of a Minor?

Yes. A deposit can be placed in the name of a Minor provided He / She is represented by His / Her Natural or Legal Guardian.

The Deposits Application Form must be signed by the Natural/ Legal Guardian on behalf of the Minor.

All communication in relation to the deposit shall be addressed to the Guardian.

Can a Power of Attorney (POA) holder sign the Deposit Application Form?

Yes, on receipt and verification of the Power Of Attorney by the Company as to its validity in this context.

Are Senior citizens eligible for a higher interest rate?

Yes, Senior citizens are eligible for an additional rate as specified by the company from time to time.

Can a joint Deposit account be opened?

Yes, a joint Deposit account can be opened by up to two individuals, under either "A or S" (Anyone or Survivor) or "N or S" (Number One or Survivor) mode of operation.

For A or S deposits, the Deposit receipt can be discharged by anyone of the depositors on maturity. However, all the Depositors signatures are required for a Premature Payment or Loan.

For N or S deposits, the Deposit receipt must be discharged by the first Depositor.

What happens if the prevailing interest rates goes up or comes down?

There will be no change. The Company will pay the contracted rate till the maturity of the Deposit Receipt as per the current rules.

When is Income Tax deducted at source from interest?

It is mandatory for the Company to deduct Tax at Source if the estimated annual interest paid /credited on the Annual interest exceeds Rs 10000/- during the financial year.

However, those Depositors who are not assessed to Income Tax may furnish a self-declaration in Form 15G or 15H (for Senior Citizens) so that tax is not deducted at source.

What is Form 15G and Form 15H and where do I get it from?

Form 15G and Form 15H (for Senior Citizens) are self- declarations given by those Depositors who are not assessed to Income Tax.

If the depositor is unable to sign the form, their left-hand thumb impression will suffice.

The left hand thumb impression must be attested by a Gazetted Officer or Bank Official.

What is the difference between Form 15G and Form 15H?

Declaration in Form 15G can be made by an Individual or a person (not a Company or Partnership / Proprietorship Firm).

A Company or Firm cannot submit declaration in Form 15G or Form 15H. Form 15G is for Resident Individuals below 60 years of age. Form 15H is for Resident Individuals who are Senior Citizens i.e. over 60 years of age

Eligibility for 15G/H if in case of individuals:-

Form 15G:The total income during the financial year should not exceed the basic exemption limit as per Income Tax rules i.e. Rs.2, 50,000/-. If the total income during the financial year exceeds or is likely to exceed Rs. 2, 50,000/- Form 15G cannot be submitted.

Form 15H:If the individual is 60 years but less than 80 years of age, then the total income during the financial year should not exceed the basic exemption limit as per income tax i.e. Rs. 3,00,000/-

If the individual is 80 years of age or more, then the total income during the financial year should not exceed the basic exemption limit as per the income tax i.e. Rs.5,00,000/-.

Eligibility for 15G if in case of persons other than Individuals:

15G can be submitted by a HUF, Association of persons, Body of individuals & Artificial Juridical Persons if the total income during the financial year does not exceed the basic exemption limit as per the income tax i.e. Rs.2, 50,000/-.

Will a certificate be issued by the Company for the Tax deducted at source?

For the Tax deducted at source, Tax deduction certificates in the prescribed form 16A, giving details of the interest remitted to Income Tax Department will be sent on a quarterly basis If the interest on the deposit is paid Monthly/Quarterly.

For the Tax deducted at source (TDS) certificate Form 16A will be generated by the Company through the Tax Information Network (TIN) central system.

In case of salaried person, if the Income Tax is deducted at source from salary, can he /she furnish 15G/15H?

No. Since salaried individuals are considered taxpayers, they are generally not eligible to furnish Form 15G or 15H. However, in exceptional cases where their total income, including salary and other sources, falls below the taxable limit, they may be permitted to submit these forms, subject to applicable provisions of the Income Tax Act..

Can you open more than one account in the same order of names?

No. All deposits held in the same name, or in the same order of names (in case of joint deposits) are required to be clubbed together for the purpose of Income Tax computation.

Is it sufficient to furnish Form 15G / H once at the time of placing the deposit?

No. Form 15G/H MUST be furnished during renewal of every deposit as also whenever an additional deposit is made during the financial year.

Can a depositor, in case of urgent need of money, withdraw their deposits?

As per Reserve Bank of India directions, no withdrawal of deposit is permitted within three months from the date of Deposit/renewal of Deposit.

Can a withdrawal be made from the deposit after 3 months?

Yes. Premature withdrawal can be made after 3 months from the date of deposit/renewal as per the Directions of Reserve Bank of India and the terms and conditions of the Company.

Can premature proceeds be paid favouring the second/third Depositor?

No. Premature payments will be effected favouring the first depositor only.

Can the Company directly credit the Depositor ' designated bank account?

Yes. The payment can be sent directly to the Depositor's designated bank account available in our records.

Will the Company allow loan against the Deposit?

Loan may be granted against the deposit up to 75% of the deposit amount. Loan can be availed for deposits made After three months from the date of Deposit/Renewal.

The Term Deposit Receipt (TDR) will be under lien and retained by the Company.

However, granting of the loan is at the sole discretion of the Company.

No loan will be granted against Non-Resident Deposits.

What is the rate of interest chargeable for loans?

The loan interest will be charged @ 2% per annum above the contracted rate shown on the Term Deposit Receipt (TDR)

Do you accept Non-Resident Indian (NRI) Deposits?

We accept deposits from NRIs on a non-repatriation basis. Deposits by NRIs are accepted only when the funds originate from their respective NRO Account.

NRI depositors must also submit the following declaration:

The amount deposited with Sundaram Finance Ltd. represents amount transferred from NRO account. Further this amount does not represent inward remittance from overseas to NRO account or transfer of fund from NRE/FCNR(B) account to NRO account.

The depositor has to furnish his NRO bank account number, as both the principal and the interest will be credited to the depositor's NRO bank account. Tax will be deducted at the rates prescribed by the Income Tax rules in force from time to time from the interest amount irrespective of the quantum of interest.

Details of TDS with respect to Non-Resident Deposits

The limit of Rs.10000/-on interest for the purpose of tax is not applicable. Tax rate will be 31.2% as per the current Income Tax rules (Effective 01/04/2018).

Declaration in Form 15G/H for non -deduction of tax at source is not applicable. FATCA (Foreign Account Tax Compliance Act) form must be furnished by the NRI depositor.

The FATCA form is available in the Deposit Application Form or can be downloaded from our website.

How can I renew the Deposit?

The Renewal Application Form together with the Term Deposit Receipt must be sent to us 14 days prior to the maturity of the Term Deposit Receipt bearing the Depositor's signature on the reverse. Deposits can also be renewed online.

What are options for renewal of a Cumulative Deposit Receipt?

An existing depositor can renew their Cumulative Deposit Receipt in the following ways:

1.Renewal of Principal only: The deposit can be renewed for the principal amount, while the interest accrued will be paid out separately.

2.Renewal of Principal plus Interest: The deposit can be renewed for the total of the principal amount along with the interest accrued.

3.Renewal with Additional Amount: The depositor may also choose to renew the deposit by consolidating it with an additional amount on the date of maturity.

What are all the transactions that can be done online?

1. Place Additional Deposits

2. Renew the TDR

3. Initiate Payment Requests

4. Furnish Form 15G/H

5. Initiate Address Change Requests

6. Update/Modify Bank Details

7. Download Interest Statements

8. View Deposit Details

9. Update/Modify Mobile No. & Email ID

10. View the E-TDRs

11. Options to choose E-TDR or Physical TDR

Contact details for deposit queries

Please contact our exclusive deposits toll-free number 1800 572 1840 for any queries related to deposits or write to depositshelpdesk@sundaramfinance.in

Cumulative Deposits

It is a deposit where the accrued interest is payable on Maturity along with the principal

Cumulative Deposits - Interest Rates
(effective July 01, 2025)

Senior Citizen** Others
Tenor in Months Rate % at Annual rests
Effective Yield % p.a Rate % at Annual rests Effective Yield % p.a
12 7.20
7.20 6.70 6.70
24 7.50
7.80 7.00 7.25
36 7.50
8.07 7.00 7.50

* Minimum Deposit Rs. 10,000/- per account
* Interest rates on existing deposits remain unchanged till maturity
**Completed age 60 years on the date of Deposit/Renewal

x

What types of Deposits are available?

Cumulative as well as Fixed (Regular Income Scheme) Deposits are available.

What is the difference between a Fixed deposit and a Cumulative deposit?

For Fixed Deposits, the interest is payable on either a monthly or quarterly basis.

For Cumulative Deposits, the interest is payable at the time of maturity together with the principal amount invested.

What is the minimum Deposit accepted by the Company?

The minimum deposit for both the Fixed and Cumulative deposit schemes is Rs.10,000/-.

The amount can be placed by Cheque/ Demand Draft / RTGS / NEFT.

Cheques and Demand Drafts may be issued favouring “Sundaram Finance Limited".

How may I obtain a Deposits Application Form?

Deposit Application Forms are available at all our Branches or can be downloaded from our website by clicking the link Deposits Application Form

Can a Deposit be placed in the name of a Minor?

Yes. A deposit can be placed in the name of a Minor provided He / She is represented by His / Her Natural or Legal Guardian.

The Deposits Application Form must be signed by the Natural/ Legal Guardian on behalf of the Minor.

All communication in relation to the deposit shall be addressed to the Guardian.

Can a Power of Attorney (POA) holder sign the Deposit Application Form?

Yes, on receipt and verification of the Power Of Attorney by the Company as to its validity in this context.

Are Senior citizens eligible for a higher interest rate?

Yes, Senior citizens are eligible for an additional rate as specified by the company from time to time.

Can a joint Deposit account be opened?

Yes, a joint Deposit account can be opened by up to two individuals, under either "A or S" (Anyone or Survivor) or "N or S" (Number One or Survivor) mode of operation.

For A or S deposits, the Deposit receipt can be discharged by anyone of the depositors on maturity. However, all the Depositors signatures are required for a Premature Payment or Loan.

For N or S deposits, the Deposit receipt must be discharged by the first Depositor.

What happens if the prevailing interest rates goes up or comes down?

There will be no change. The Company will pay the contracted rate till the maturity of the Deposit Receipt as per the current rules.

When is Income Tax deducted at source from interest?

It is mandatory for the Company to deduct Tax at Source if the estimated annual interest paid /credited on the Deposit exceeds Rs.10000/- during the financial year.

However, those Depositors who are not assessed to Income Tax may furnish a self-declaration in Form 15G or 15H (for Senior Citizens) so that tax is not deducted at source.

What is Form 15G and Form 15H and where do I get it from?

Form 15G and Form 15H (for Senior Citizens) are self- declarations given by those Depositors who are not assessed to Income Tax.

If the depositor is unable to sign the form, their left-hand thumb impression will suffice.

The left hand thumb impression must be attested by a Gazetted Officer or Bank Official.

What is the difference between Form 15G and Form 15H?

Declaration in Form 15G can be made by an Individual or a person (not a Company or Partnership / Proprietorship Firm).

A Company or Firm cannot submit declaration in Form 15G or Form 15H. Form 15G is for Resident Individuals below 60 years of age. Form 15H is for Resident Individuals who are Senior Citizens i.e. over 60 years of age

Eligibility for 15G/H if in case of individuals:-

Form 15G:The total income during the financial year should not exceed the basic exemption limit as per Income Tax rules i.e. Rs.2, 50,000/-. If the total income during the financial year exceeds or is likely to exceed Rs. 2, 50,000/- Form 15G cannot be submitted.

Form 15H:If the individual is 60 years but less than 80 years of age, then the total income during the financial year should not exceed the basic exemption limit as per income tax i.e. Rs. 3,00,000/-

If the individual is 80 years of age or more, then the total income during the financial year should not exceed the basic exemption limit as per the income tax i.e. Rs.5,00,000/-.

Eligibility for 15G if in case of persons other than Individuals:

15G can be submitted by a HUF, Association of persons, Body of individuals & Artificial Juridical Persons if the total income during the financial year does not exceed the basic exemption limit as per the income tax i.e. Rs.2, 50,000/-.

Will a certificate be issued by the Company for the Tax deducted at source?

For the Tax deducted at source, Tax deduction certificates in the prescribed form 16A, giving details of the interest remitted to Income Tax Department will be sent on a quarterly basis If the interest on the deposit is paid Monthly/Quarterly.

For the Tax deducted at source (TDS) certificate Form 16A will be generated by the Company through the Tax Information Network (TIN) central system.

In case of salaried person, if the Income Tax is deducted at source from salary, can he /she furnish 15G/15H?

No. Since salaried individuals are considered taxpayers, they are generally not eligible to furnish Form 15G or 15H. However, in exceptional cases where their total income, including salary and other sources, falls below the taxable limit, they may be permitted to submit these forms, subject to applicable provisions of the Income Tax Act.

Can you open more than one account in the same order of names?

No. All deposits held in the same name, or in the same order of names (in case of joint deposits) are required to be clubbed together for the purpose of Income Tax computation.

Is it sufficient to furnish Form 15G / H once at the time of placing the deposit?

No. Form 15G/H MUST be furnished during renewal of every deposit as also whenever an additional deposit is made during the financial year.

Can a depositor, in case of urgent need of money, withdraw their deposits?

As per Reserve Bank of India directions, no withdrawal of deposit is permitted within three months from the date of Deposit/renewal of Deposit.

Can a withdrawal be made from the deposit after 3 months?

Yes. Premature withdrawal can be made after 3 months from the date of deposit/renewal as per the Directions of Reserve Bank of India and the terms and conditions of the Company.

Can premature proceeds be paid favouring the second/third Depositor?

No. Premature payments will be effected favouring the first depositor only.

Can the Company directly credit the Depositor ' designated bank account?

Yes. The payment can be sent directly to the Depositor's designated bank account available in our records.

Will the Company allow loan against the Deposit?

Loan may be granted against the deposit up to 75% of the deposit amount. Loan can be availed for deposits made After three months from the date of Deposit/Renewal.

The Term Deposit Receipt (TDR) will be under lien and retained by the Company.

However, granting of the loan is at the sole discretion of the Company.

No loan will be granted against Non-Resident Deposits.

What is the rate of interest chargeable for loans?

The loan interest will be charged @ 2% per annum above the contracted rate shown on the Term Deposit Receipt (TDR)

Do you accept Non-Resident Indian (NRI) Deposits?

We accept deposits from NRIs on a non-repatriation basis. Deposits by NRIs are accepted only when the funds originate from their respective NRO Account.

NRI depositors must also submit the following declaration:

The amount deposited with Sundaram Finance Ltd. represents amount transferred from NRO account. Further this amount does not represent inward remittance from overseas to NRO account or transfer of fund from NRE/FCNR(B) account to NRO account.

The depositor has to furnish his NRO bank account number, as both the principal and the interest will be credited to the depositor's NRO bank account. Tax will be deducted at the rates prescribed by the Income Tax rules in force from time to time from the interest amount irrespective of the quantum of interest.

Details of TDS with respect to Non-Resident Deposits

The limit of Rs.10000/-on interest for the purpose of tax is not applicable. Tax rate will be 31.2% as per the current Income Tax rules (Effective 01/04/2018).

Declaration in Form 15G/H for non -deduction of tax at source is not applicable. FATCA (Foreign Account Tax Compliance Act) form must be furnished by the NRI depositor.

The FATCA form is available in the Deposit Application Form or can be downloaded from our website.

How can I renew the Deposit?

The Renewal Application Form together with the Term Deposit Receipt must be sent to us 14 days prior to the maturity of the Term Deposit Receipt bearing the Depositor's signature on the reverse. Deposits can also be renewed online.

What are options for renewal of a Cumulative Deposit Receipt?

An existing depositor can renew their Cumulative Deposit Receipt in the following ways:

1.Renewal of Principal only: The deposit can be renewed for the principal amount, while the interest accrued will be paid out separately.

2.Renewal of Principal plus Interest: The deposit can be renewed for the total of the principal amount along with the interest accrued.

3.Renewal with Additional Amount: The depositor may also choose to renew the deposit by consolidating it with an additional amount on the date of maturity.

What are all the transactions that can be done online?

1. Place Additional Deposits

2. Renew the TDR

3. Initiate Payment Requests

4. Furnish Form 15G/H

5. Initiate Address Change Requests

6. Update/Modify Bank Details

7. Download Interest Statements

8. View Deposit Details

9. Update/Modify Mobile No. & Email ID

10. View the E-TDRs

11. Options to choose E-TDR or Physical TDR

Contact details for deposit queries

Please contact our exclusive deposits toll-free number 1800 572 1840 for any queries related to deposits or write to depositshelpdesk@sundaramfinance.in

NRI Deposits

Deposits from Non-Resident Indians are accepted by cheques issued from First Depositor’s Non-Resident Ordinary (NRO) bank account on non-repatriation basis provided that the amount deposited with the company does not represent inward remittance or transfer from NRE/FCNR(B) accounts into the NRO account. A declaration as above from the depositor, Application form for the Deposit and other Documents have to be produced to the company in person at any of our branches.For Non-Resident Individuals confirmation letter issued by the foreign consulates with the updated address can be taken as OVD for address proof.

FATCA-CRS INSTRUCTIONS (Foreign Account Tax Compliance Act-Common Reporting Standards) :Depositors (including joint holders/guardian/POA holders) are required to refer and mandatorily fill FATCA-CRS details which are part of this application form. In compliance with the regulations of Government of India, depositors are required to provide their additional information/ certification/documentation as and when sought by the company. In certain circumstances the company may be obliged to share information on the Depositor’s account with the relevant authorities. Depositors are required to inform the company promptly whenever there is a change in the status/information already provided to the company.

x

What types of Deposit schemes are available?

Cumulative and Fixed (Regular Income Scheme) Deposit schemes are available.

What is the difference between a Fixed deposit and a Cumulative deposit?

For Fixed Deposits, the interest is payable   either monthly or quarterly frequency.

For Cumulative Deposits, the interest is payable at the time of maturity together with the principal amount invested.

What is the minimum Deposit accepted by the Company?

The minimum deposit for both the Fixed and Cumulative deposit schemes is ₹.10,000/-.

The amount can be placed by way of Cheque. Deposit amount can be transferred through RTGS / NEFT.

Cheques and Demand Drafts may be issued favouring “Sundaram Finance Limited".

How may I obtain a Deposits Application Form?

Deposit Application Forms are available at all our Branches or can be downloaded from our website by clicking the link Deposits Application Form

Can a Deposit be placed in the name of a Minor?

Yes. A deposit can be placed in the name of a Minor provided He / She is represented by His / Her Natural or Legal Guardian.

The Deposits Application Form must be signed by the Natural/ Legal Guardian on behalf of the Minor.

All communication in relation to the deposit shall be addressed to the Guardian.

Can a Power of Attorney (POA) holder sign the Deposit Application Form?

Yes, on receipt and verification of the Power Of Attorney by the Company as to its validity in this context.

Are Senior citizens eligible for a higher interest rate?

Yes, Senior citizens are eligible for an additional rate as specified the company time to time.

Can a joint Deposit account be opened?

Yes, a maximum of Two people can open a joint Deposit account payable to A or S (Anyone or Survivor) or N or S (Number One or Survivor).

For A or S deposits, the Deposit receipt can be discharged by anyone of the depositors for maturity payment. However, all the Depositors signatures are required for Premature Payment or Loan on Deposits.

For N or S deposits, the Deposit receipt must be discharged by the first Depositor.

What happens if the prevailing interest rates goes up or comes down?

There will be no change. The Company will pay the contracted rate till the maturity of the Deposit Receipt as per the current rules.

When is Income Tax deducted at source from interest?

It is mandatory for the Company to deduct Tax at Source if the estimated annual interest paid /credited on the Deposit amount exceeds ₹.10,000/- during the financial year.

However, those Depositors who are not assessed to Income Tax may furnish a self-declaration in Form 15G or 15H (for Senior Citizens) so that tax is not deducted at source.

What is Form 15G and Form 15H and where do I get it from?

Form 15G and Form 15H (for Senior Citizens) are self- declarations given by those Depositors who are not assessed to Income Tax.

Should the Depositor not be able to sign the Form their left-hand thumb impression will suffice.

The left hand thumb impression must be attested by a Gazetted Officer or Bank Official.

What is the difference between Form 15G and Form 15H?

Declaration in Form 15G can be made by an Individual or a person (not a Company or Partnership / Proprietorship Firm).

A Company or Firm cannot submit declaration in Form 15G or Form 15H. Form 15G is for Resident Individuals below 60 years of age. Form 15H is for Resident Individuals who are Senior Citizens i.e. over 60 years of age

Eligibility for 15G/H if in case of individuals:-

Form 15G:The total income during the financial year should not exceed the basic exemption limit as per Income Tax rules i.e. Rs.2, 50,000/-. If the total income during the financial year exceeds or is likely to exceed Rs. 2, 50,000/- Form 15G cannot be submitted.

Form 15H:If the individual is 60 years but less than 80 years of age, then the total income during the financial year should not exceed the basic exemption limit as per income tax i.e. Rs. 3,00,000/-

If the individual is 80 years of age or more, then the total income during the financial year should not exceed the basic exemption limit as per the income tax i.e. Rs.5,00,000/-.

Eligibility for 15G if in case of persons other than Individuals:

15G can be submitted by a HUF, Association of persons, Body of individuals & Artificial Juridical Persons if the total income during the financial year does not exceed the basic exemption limit as per the income tax i.e. Rs.2, 50,000/-.

Will a certificate be issued by the Company for the Tax deducted at source?

For the Tax deducted at source, Tax deduction certificates in the prescribed form 16A, giving details of the interest remitted to Income Tax Department will be sent on a quarterly basis,  through a link by whatsApp and Email 

For the Tax deducted at source (TDS) certificate Form 16A will be generated by the Company through the Tax Information Network (TIN) central system.

In case of salaried person, if the Income Tax is deducted at source from salary, can he /she furnish 15G/15H?

No. As salaried persons are also assesses form 15G/15H cannot be furnished.

Can you open more than one account in the same order of names?

No. All deposits held in the same name, or in the same order of names (in case of joint deposits) are required to be clubbed together for the purpose of Income Tax computation.

Is it sufficient to furnish Form 15G / H once at the time of placing the deposit?

No. Form 15G/H MUST be furnished during renewal of every deposit as also whenever an additional deposit is made during the financial year.

Can a depositor, in case of urgent need of money, withdraw their deposits?

As per Reserve Bank of India directions, no withdrawal of deposit is permitted within three months from the date of Deposit/renewal of Deposit. However in order to meet certain expenses of emergent nature, subject to satisfaction of the company, premature withdrawal is allowed as per  RBI Regulations in force

Can premature proceeds be paid favouring the second Depositor?

No. Premature payments will be effected favouring the first depositor only

Can the Company directly credit the Depositor ' designated bank account?

Yes. The payment shall be credited directly to the Depositor's designated bank account available in our records through NEFT/RTGS.

Will the Company allow loan against the Deposit?

Loan may be granted against the deposit up to 75% of the deposit amount. Loan can be availed on Deposits after the completion of three months from the date of Deposit/Renewal. 

The Term Deposit Receipt (TDR) will be under lien and retained by the Company.

However, granting of the loan is at the sole discretion of the Company.

No loan will be granted against Non-Resident Deposits and Company Deposits.

What is the rate of interest chargeable for loans?

The loan interest will be charged @ 2% per annum above the contracted rate shown on the Term Deposit Receipt (TDR).

Do you accept Non-Resident Indian (NRI) Deposits?

We accept deposits from NRIs on a non-repatriation basis. Deposits by NRIs are accepted only when the funds originate from their respective NRO Account.

NRI depositors must also submit the following declaration:

The amount deposited with Sundaram Finance Ltd. represents amount transferred from NRO account. Further this amount does not represent inward remittance from overseas to NRO account or transfer of fund from NRE/FCNR(B) account to NRO account.

The depositor has to furnish his NRO bank account number, as both the principal and the interest will be credited to the depositor's NRO bank account. Tax will be deducted at the rates prescribed by the Income Tax rules in force from time to time from the interest amount irrespective of the quantum of interest.

Details of TDS with respect to Non-Resident Deposits

The limit of ₹.10000/-on interest for the purpose of tax is not applicable. Tax rate will be 31.2% as per the current Income Tax rules.

Declaration in Form 15G/H for non -deduction of tax at source is not applicable. FATCA (Foreign Account Tax Compliance Act) form with their Tax identification Number/Social Security Number or other type of Identification Number provided by their Country of Origin (like Aadhaar here) must be furnished by the NRI depositor.

The FATCA form is available in the Deposit Application Form or can be downloaded from our website.

How can I renew the Deposit?

The Renewal Application Form together with the Term Deposit Receipt duly filled and signed by both the Depositors shall be furnished for renewal of Deposit. Deposits can also be renewed online through portal/SF NEXT APP. 

What are options for Renewal of a Cumulative Deposit Receipt?

An existing depositor can renew their deposit for maturity value or part principal amount subject to minimum of ₹ 10,000/-. Depositors can also enhance existing maturity value by providing additional cheque for the differential amount before the date of maturity. Such Deposit amount should be in multiples of ₹ 1,000/-. For Online transactions such consolidations can be initiated only on the date of maturity.

What are all the transactions that can be done online?

As part of our digital initiatives, New Depositors (Resident Individuals) can place Fresh Deposits through the following link available in the website. https://one.sundaramfinance.in/deposits

Existing Depositors through our Online Customer Portal/SF NEXT APP can

1. Place Additional Deposits

2. Renew the TDR

3. Initiate Payment Requests

4. Furnish Form 15G/H

5. Initiate Address Change Requests

6. Update/Modify Bank Details

7. Download Interest Statements

8. View Deposit Details

9. Update/Modify Mobile No.& Email id

10. View the E-TDRs

11. Options to choose E-TDR or Physical TDR

Contact details for deposit queries

Please contact our exclusive deposits toll-free number 1800 572 1840 for any queries related to deposits or write to depositshelpdesk@sundaramfinance.in

On Maturity

Maturity intimations are sent by WhatsApp/Email 14 days in advance of the maturity date, physical intimation letters(Renewal Application Forms) are sent for those Depositors who have not availed  online access.

Regular Whats App reminders are also initiated 10, 5, 1 day before the date of maturity of the Term Deposit Receipt(TDR). Again whats App reminders are being initiated  1, 5,10 and 15 days after the date of maturity.

Renewal of Deposits

The depositor has to surrender the Original Deposit Receipt duly signed along with the renewal form.

Cumulative Deposits can be renewed for the maturity value. In case of A or S deposits, a renewal retaining one of the Depositor(s) as the first depositor is possible. Transfer of Deposits by a change in the first named Depositor is not possible in the case of N or S deposits.

As per RBI Directions, for all Non-individual deposits like Companies, Partnership Firms, Trust, Associations and HUFs, it is mandatory to provide Beneficial Ownership Declaration form duly filled and signed along with the KYC proof of the signatories

Maturity Payment

In case of repayment on maturity, the Deposit receipt has to be surrendered duly discharged with instructions for repayment. Request can be initiated through our Online Customer Portal/SF NEXT APP. For Auto Maturity Payments, proceeds shall be credited on the maturity date.

Maturity Options

On maturity, the depositor can opt for:

  • Payment of maturity amount
  • Renewal of maturity amount
  • Renewal for multiples of Rs 1000/- (subject to a minimum balance of Rs. 10,000/- in the deposit account). Eg; Rs 10,720 can be rounded up to Rs 11,000 or rounded down to Rs 10,000.

Discharge Of Deposit Receipt

Scenario Anyone or Survivor A or S Number One or Survivor N or S
Regular payment on maturity Anyone of the depositors can sign First depositor alone can sign

Nomination

Depositors are permitted to nominate one person (for a Deposit Account) to whom the Company can return the deposit amount in the event of the Depositor's death after submitting the relevant documents.

The nomination details are available on page 4 of the Deposits Application Form Depositors may also contact the Company for a Nomination Form should they wish to add a Nominee during the tenure of the Deposit.Click to download

In the event of demise of the sole Depositor, only Repayment/premature payment shall be effected favouring the Nominee on submission of required documents. If Nomination is not available, claimants should furnish the legal heirship certificate

Premature Payments (PMP) Withdrawal:

Discharge of deposit receipt

Scenario Anyone or Survivor A or S Number One or Survivor N or S
Premature payment All depositors have to sign First depositor alone can sign

Premature Payments (PMP) Withdrawal

The company reserves the right to allow, at its absolute discretion, withdrawal of deposits before maturity. Where a deposit is so allowed to be prematurely withdrawn the relative deposit receipt must be discharged by all the depositors in case of A or S/s deposit and by the first named depositor in case of N or S/s deposit.


As per the Directions of RBI currently in force rates provided below shall apply.

Up to 3 months from the date of deposit/renewal (Lock-in-period) No repayment. (Allowed  in the event of death of the Depositor**)

However in order to meet certain expenses of emergent nature, subject to satisfaction of the company
Tiny Deposits: (Aggregate amount up to ₹ 10,000/- for a Depositor) may prematurely be paid fully, without interest. to individual Depositor.

Other Deposits: Upto 50% of the Principal Amount or ₹ 5Lakhs, whichever is lower, may be prematurely paid to Individual Depositors, without interest. Remaining amount will continue as per the terms of the Contract.

In case of Critical illness**: 100% of the Principal Amount to be paid prematurely without interest.Expense of an emergent nature includes medical emergency or expenses due to natural calamities/disaster as notified by the concerned Government/Authority.

Critical illness shall be guided by IRDAI(Health Insurance) Regulations,2016 and the guidelines issued thereunder, as amended from time to time.

After 3 months but before 6 months No Interest*
After 6 months but before the date of maturity The interest payable shall be 2% lower than the interest rate applicable to a deposit for the period for which the deposit has run or if no rate has been specified for the period, then 3 % lower than the minimum rate at which deposits are accepted by the Company*

* The above Rates are also applicable for PMP in case of the death of a Depositor.

**Premature payment can be made without interest in the case of death of a Depositor.

Loan on Deposits

The Company may grant, at its sole discretion, Loan against Deposit up to 75%of the deposit amount, provided the deposit had run for a minimum period of 3 months. The loan amount shall carry interest @2% above the contracted rates. The relative term deposit receipt and loan documents have to be signed by all the depositors in case of A or S/s accounts and by the first depositor in case of N or S/s accounts. Renewal with loan is not possible .If renewal instructions for the balance amount (subject to a minimum of ₹10,000) are not received within one week in advance of the maturity, payment after adjustment of loan principal and interest will be made. Loan facility not available for NRI and Company Deposits.

The company may grant, at its sole discretion, loan against a deposit, provided the deposit has run for a minimum period of 3 months up to 75% of the deposit amount, carrying interest @2% above the contracted rate (compounded at the same rate as of the TDR) payable on such deposits. The relative term deposit receipt and loan documents have to be signed by both/all the depositors in case of A or S/s accounts and by the first depositor in case of N or S/s accounts. Loan payment shall be credited to first Depositor’s bank account through electronic mode.

Request a Call Back - Deposits

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Pincode*
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Category*
Type*
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फिक्सड डिपॉजिट्स (सावधि जमाएँ)

हमारे ग्राहकों की मन की बात.....
Deposit

हमारी जमा राशियाँ (डिपोजिट्स) को 30 वर्षों से लगातार AAA रेटिंग दी गई है

जमाकर्ताओं की तीन पीढ़ियों का भरोसा

हमारे 80% जमाकर्ता कम से कम 10 वर्षों से हमारे साथ रहे हैं

Click here for deposit application form

सावधि जमा (फिक्सड डिपॉजिट्स)

जमा (डिपोजिट) करें और मासिक / त्रैमासिक (मार्च, जून, सितंबर, दिसंबर) के अंतराल पर ब्याज अर्जित करें।

बब्याज क्रेडिट की विधि

  • NEFT

Fixed Deposits - Interest Rates
(effective July 01, 2025)

वरयष्ठ नागरयक**अन्य
अवधि (महीने और दिन) दय (वार्षिक येस्ट ऩय %) % प्र.व. भाससक ब्माज दय % प्र.व. तिभाही ब्माज दय दय (वार्षिक येस्ट ऩय %) % प्र.व. भाससक ब्माज दय % प्र.व. तिभाही ब्माज दय
127.206.977.016.706.506.54
247.507.257.307.006.786.82
367.507.257.307.006.786.82

* न्यूनतम जमा रु. 10,000/- प्रति खाता
* मौजूदा जमाओं पर ब्याज दरें परिपक्वता तक अपरिवर्तित रहती
**जमा/नवीकरण की तिथि को 60 वर्ष की आयु पूरी करें

x

What types of Deposits are available?

Cumulative as well as Fixed (Regular Income Scheme) Deposits are available.

What is the difference between a Fixed deposit and a Cumulative deposit?

For Fixed Deposits, the interest is payable on either a monthly or quarterly basis.

For Cumulative Deposits, the interest is payable at the time of maturity together with the principal amount invested.

What is the minimum Deposit accepted by the Company?

The minimum deposit for both the Fixed and Cumulative deposit schemes is Rs.10,000/-.

The amount can be placed by Cheque/ Demand Draft / RTGS / NEFT.

Cheques and Demand Drafts may be issued favouring “Sundaram Finance Limited.

RTGS and NEFT Funds Transfer can be done using the bank details given below

Sundaram Finance Limited

ICICI Bank

Nungambakkam Branch

Chennai A/c No – 000905027938

IFSC Code – ICIC0000009

How may I obtain a Deposits Application Form?

Deposit Application Forms are available at all our Branches or can be downloaded from our website

Can a Deposit be placed in the name of a Minor?

Yes. A deposit can be placed in the name of a Minor provided He / She is represented by His / Her Natural or Legal Guardian.

The Deposits Application Form must be signed by the Natural/ Legal Guardian on behalf of the Minor.

All communication in relation to the deposit shall be addressed to the Guardian.

Can a Power of Attorney (POA) holder sign the Deposit Application Form?

Yes, on receipt and verification of the Power Of Attorney by the Company as to its validity in this context.

Are Senior citizens eligible for a higher interest rate?

Yes, Senior citizens are eligible for an additional rate as specified the company time to time.

Can a joint Deposit account be opened?

Yes, a maximum of three people can open a joint Deposit account payable to A or S (Anyone or Survivor) or N or S (Number One or Survivor).

For A or S deposits, the Deposit receipt can be discharged by anyone of the depositors on maturity. However, all the Depositors signatures are required for a Premature Payment or Loan.

For N or S deposits, the Deposit receipt must be discharged by the first Depositor.

What happens if the prevailing interest rates goes up or comes down?

There will be no change. The Company will pay the contracted rate till the maturity of the Deposit Receipt as per the current rules.

When is Income Tax deducted at source from interest?

It is mandatory for the Company to deduct Tax at Source if the estimated annual interest paid /credited on the Deposit exceeds Rs.5000/- during the financial year.

However, those Depositors who are not assessed to Income Tax may furnish a self-declaration in Form 15G or 15H (for Senior Citizens) so that tax is not deducted at source.

What is Form 15G and Form 15H and where do I get it from?

Form 15G and Form 15H (for Senior Citizens) are self- declarations given by those Depositors who are not assessed to Income Tax.

Should the Depositor not be able to sign the Form their left-hand thumb impression will suffice.

The left hand thumb impression must be attested by a Gazetted Officer or Bank Official.

What is the difference between Form 15G and Form 15H?

Declaration in Form 15G can be made by an Individual or a person (not a Company or Partnership / Proprietorship Firm).

A Company or Firm cannot submit declaration in Form 15G or Form 15H. Form 15G is for Resident Individuals below 60 years of age. Form 15H is for Resident Individuals who are Senior Citizens i.e. over 60 years of age

Eligibility for 15G/H if in case of individuals:-

Form 15G:The total income during the financial year should not exceed the basic exemption limit as per Income Tax rules i.e. Rs.2, 50,000/-. If the total income during the financial year exceeds or is likely to exceed Rs. 2, 50,000/- Form 15G cannot be submitted.

Form 15H:If the individual is 60 years but less than 80 years of age, then the total income during the financial year should not exceed the basic exemption limit as per income tax i.e. Rs. 3,00,000/-

If the individual is 80 years of age or more, then the total income during the financial year should not exceed the basic exemption limit as per the income tax i.e. Rs.5,00,000/-.

Eligibility for 15G if in case of persons other than Individuals:

15G can be submitted by a HUF, Association of persons, Body of individuals & Artificial Juridical Persons if the total income during the financial year does not exceed the basic exemption limit as per the income tax i.e. Rs.2, 50,000/-.

Will a certificate be issued by the Company for the Tax deducted at source?

For the Tax deducted at source, Tax deduction certificates in the prescribed form 16A, giving details of the interest remitted to Income Tax Department will be sent on a quarterly basis if the interest on the deposit is paid quarterly.

For the Tax deducted at source (TDS) certificate Form 16A will be generated by the Company through the Tax Information Network (TIN) central system.

In case of salaried person, if the Income Tax is deducted at source from salary, can he /she furnish 15G/15H?

No. As salaried persons are also assesses form 15G/15H cannot be furnished.

Can you open more than one account in the same order of names?

No. All deposits held in the same name, or in the same order of names (in case of joint deposits) are required to be clubbed together for the purpose of Income Tax computation.

Is it sufficient to furnish Form 15G / H once at the time of placing the deposit?

No. Form 15G/H MUST be furnished during renewal of every deposit as also whenever an additional deposit is made during the financial year.

Can a depositor, in case of urgent need of money, withdraw their deposits?

As per Reserve Bank of India directions, no withdrawal of deposit is permitted within three months from the date of Deposit/renewal of Deposit.

Can a withdrawal be made from the deposit after 3 months?

Yes. Premature withdrawal can be made after 3 months from the date of deposit/renewal as per the Directions of Reserve Bank of India and the terms and conditions of the Company.

Can premature proceeds be paid favouring the second/third Depositor?

No. Premature payments will be effected favouring the first depositor only.

Can the Company directly credit the Depositor ' designated bank account?

Yes. The payment can be sent directly to the Depositor's designated bank account available in our records.

Will the Company allow loan against the Deposit?

Loan may be granted against the deposit up to 75% of the deposit amount. Loan can be availed for deposits made within three months from the date of Deposit/Renewal.

The Term Deposit Receipt (TDR) will be under lien and retained by the Company.

However, granting of the loan is at the sole discretion of the Company.

No loan will be granted against Non-Resident Deposits.

What is the rate of interest chargeable for loans?

The loan interest will be charged @ 2% per annum above the contracted rate shown on the Term Deposit Receipt (TDR)

Do you accept Non-Resident Indian (NRI) Deposits?

We accept deposits from NRIs on a non-repatriation basis. Deposits by NRIs are accepted only when the funds originate from their respective NRO Account.

NRI depositors must also submit the following declaration:

The amount deposited with Sundaram Finance Ltd. represents amount transferred from NRO account. Further this amount does not represent inward remittance from overseas to NRO account or transfer of fund from NRE/FCNR(B) account to NRO account.

The depositor has to furnish his NRO bank account number, as both the principal and the interest will be credited to the depositor's NRO bank account. Tax will be deducted at the rates prescribed by the Income Tax rules in force from time to time from the interest amount irrespective of the quantum of interest.

Details of TDS with respect to Non-Resident Deposits

The limit of Rs.5000/-on interest for the purpose of tax is not applicable. Tax rate will be 31.2% as per the current Income Tax rules (Effective 01/04/2018).

Declaration in Form 15G/H for non -deduction of tax at source is not applicable. FATCA (Foreign Account Tax Compliance Act) form must be furnished by the NRI depositor.

The FATCA form is available in the Deposit Application Form or can be downloaded from our website.

How can I renew the Deposit?

The Renewal Application Form together with the Term Deposit Receipt must be sent to us 15 days prior to the maturity of the Term Deposit Receipt bearing the Depositor's signature on the reverse. Deposits can also be renewed online.

What are options for Renewal of a Cumulative Deposit Receipt?

An existing depositor can renew their deposit for either the Principal amount (interest accrued will be repaid) or alternatively the principal amount plus interest.

What are all the transactions that can be done online?

1. Additional Deposit to existing Deposit Account

2. Renewal of Deposit

3. Repayment of Deposit

4. Inclusion/Modification of Bank Details

5. View Interest Details (CIPA)

6. Modification of Registered Mobile Number

7. Submission of Form 15G/H by eligible depositors

Contact details for deposit queries

Please contact our exclusive deposits toll-free number 1800 572 1840 for any queries related to deposits or write to depositshelpdesk@sundaramfinance.in

संचयी जमा

यह एक जमा राशि है जहां मूलधन के साथ उपार्जित ब्याज परिपक्वता पर देय होता है।

संचयी जमा - ब्याज दरें
(effective July 01, 2025)

वरिष्ठ नागरिक** अन्य
अवधि (महीने और दिन) दर (वार्षिक रेस्ट पर %)
्रभावी तेल्ड % प्र.व. दर % वार्षिक रेस्ट्स पर ्रभावी तेल्ड % प्र.व.
12 7.20
7.20 6.70 6.70
24 7.50
7.80 7.00 7.25
36 7.50
8.07 7.00 7.50

* न्यूनतम जमा रु. 10,000/- प्रति खाता
* मौजूदा जमाओं पर ब्याज दरें परिपक्वता तक अपरिवर्तित रहती हैं
**जमा/नवीकरण की तिथि को 60 वर्ष की आयु पूरी करें

x

What types of Deposits are available?

Cumulative as well as Fixed (Regular Income Scheme) Deposits are available.

What is the difference between a Fixed deposit and a Cumulative deposit?

For Fixed Deposits, the interest is payable on either a monthly or quarterly basis.

For Cumulative Deposits, the interest is payable at the time of maturity together with the principal amount invested.

What is the minimum Deposit accepted by the Company?

The minimum deposit for both the Fixed and Cumulative deposit schemes is Rs.10,000/-.

The amount can be placed by Cheque/ Demand Draft / RTGS / NEFT.

Cheques and Demand Drafts may be issued favouring “Sundaram Finance Limited.

RTGS and NEFT Funds Transfer can be done using the bank details given below

Sundaram Finance Limited

ICICI Bank

Nungambakkam Branch

Chennai A/c No – 000905027938

IFSC Code – ICIC0000009

How may I obtain a Deposits Application Form?

Deposit Application Forms are available at all our Branches or can be downloaded from our website

Can a Deposit be placed in the name of a Minor?

Yes. A deposit can be placed in the name of a Minor provided He / She is represented by His / Her Natural or Legal Guardian.

The Deposits Application Form must be signed by the Natural/ Legal Guardian on behalf of the Minor.

All communication in relation to the deposit shall be addressed to the Guardian.

Can a Power of Attorney (POA) holder sign the Deposit Application Form?

Yes, on receipt and verification of the Power Of Attorney by the Company as to its validity in this context.

Are Senior citizens eligible for a higher interest rate?

Yes, Senior citizens are eligible for an additional rate as specified the company time to time.

Can a joint Deposit account be opened?

Yes, a maximum of three people can open a joint Deposit account payable to A or S (Anyone or Survivor) or N or S (Number One or Survivor).

For A or S deposits, the Deposit receipt can be discharged by anyone of the depositors on maturity. However, all the Depositors signatures are required for a Premature Payment or Loan.

For N or S deposits, the Deposit receipt must be discharged by the first Depositor.

What happens if the prevailing interest rates goes up or comes down?

There will be no change. The Company will pay the contracted rate till the maturity of the Deposit Receipt as per the current rules.

When is Income Tax deducted at source from interest?

It is mandatory for the Company to deduct Tax at Source if the estimated annual interest paid /credited on the Deposit exceeds Rs.5000/- during the financial year.

However, those Depositors who are not assessed to Income Tax may furnish a self-declaration in Form 15G or 15H (for Senior Citizens) so that tax is not deducted at source.

What is Form 15G and Form 15H and where do I get it from?

Form 15G and Form 15H (for Senior Citizens) are self- declarations given by those Depositors who are not assessed to Income Tax.

Should the Depositor not be able to sign the Form their left-hand thumb impression will suffice.

The left hand thumb impression must be attested by a Gazetted Officer or Bank Official.

What is the difference between Form 15G and Form 15H?

Declaration in Form 15G can be made by an Individual or a person (not a Company or Partnership / Proprietorship Firm).

A Company or Firm cannot submit declaration in Form 15G or Form 15H. Form 15G is for Resident Individuals below 60 years of age. Form 15H is for Resident Individuals who are Senior Citizens i.e. over 60 years of age

Eligibility for 15G/H if in case of individuals:-

Form 15G:The total income during the financial year should not exceed the basic exemption limit as per Income Tax rules i.e. Rs.2, 50,000/-. If the total income during the financial year exceeds or is likely to exceed Rs. 2, 50,000/- Form 15G cannot be submitted.

Form 15H:If the individual is 60 years but less than 80 years of age, then the total income during the financial year should not exceed the basic exemption limit as per income tax i.e. Rs. 3,00,000/-

If the individual is 80 years of age or more, then the total income during the financial year should not exceed the basic exemption limit as per the income tax i.e. Rs.5,00,000/-.

Eligibility for 15G if in case of persons other than Individuals:

15G can be submitted by a HUF, Association of persons, Body of individuals & Artificial Juridical Persons if the total income during the financial year does not exceed the basic exemption limit as per the income tax i.e. Rs.2, 50,000/-.

Will a certificate be issued by the Company for the Tax deducted at source?

For the Tax deducted at source, Tax deduction certificates in the prescribed form 16A, giving details of the interest remitted to Income Tax Department will be sent on a quarterly basis if the interest on the deposit is paid quarterly.

For the Tax deducted at source (TDS) certificate Form 16A will be generated by the Company through the Tax Information Network (TIN) central system.

In case of salaried person, if the Income Tax is deducted at source from salary, can he /she furnish 15G/15H?

No. As salaried persons are also assesses form 15G/15H cannot be furnished.

Can you open more than one account in the same order of names?

No. All deposits held in the same name, or in the same order of names (in case of joint deposits) are required to be clubbed together for the purpose of Income Tax computation.

Is it sufficient to furnish Form 15G / H once at the time of placing the deposit?

No. Form 15G/H MUST be furnished during renewal of every deposit as also whenever an additional deposit is made during the financial year.

Can a depositor, in case of urgent need of money, withdraw their deposits?

As per Reserve Bank of India directions, no withdrawal of deposit is permitted within three months from the date of Deposit/renewal of Deposit.

Can a withdrawal be made from the deposit after 3 months?

Yes. Premature withdrawal can be made after 3 months from the date of deposit/renewal as per the Directions of Reserve Bank of India and the terms and conditions of the Company.

Can premature proceeds be paid favouring the second/third Depositor?

No. Premature payments will be effected favouring the first depositor only.

Can the Company directly credit the Depositor ' designated bank account?

Yes. The payment can be sent directly to the Depositor's designated bank account available in our records.

Will the Company allow loan against the Deposit?

Loan may be granted against the deposit up to 75% of the deposit amount. Loan can be availed for deposits made within three months from the date of Deposit/Renewal.

The Term Deposit Receipt (TDR) will be under lien and retained by the Company.

However, granting of the loan is at the sole discretion of the Company.

No loan will be granted against Non-Resident Deposits.

What is the rate of interest chargeable for loans?

The loan interest will be charged @ 2% per annum above the contracted rate shown on the Term Deposit Receipt (TDR)

Do you accept Non-Resident Indian (NRI) Deposits?

We accept deposits from NRIs on a non-repatriation basis. Deposits by NRIs are accepted only when the funds originate from their respective NRO Account.

NRI depositors must also submit the following declaration:

The amount deposited with Sundaram Finance Ltd. represents amount transferred from NRO account. Further this amount does not represent inward remittance from overseas to NRO account or transfer of fund from NRE/FCNR(B) account to NRO account.

The depositor has to furnish his NRO bank account number, as both the principal and the interest will be credited to the depositor's NRO bank account. Tax will be deducted at the rates prescribed by the Income Tax rules in force from time to time from the interest amount irrespective of the quantum of interest.

Details of TDS with respect to Non-Resident Deposits

The limit of Rs.5000/-on interest for the purpose of tax is not applicable. Tax rate will be 31.2% as per the current Income Tax rules (Effective 01/04/2018).

Declaration in Form 15G/H for non -deduction of tax at source is not applicable. FATCA (Foreign Account Tax Compliance Act) form must be furnished by the NRI depositor.

The FATCA form is available in the Deposit Application Form or can be downloaded from our website.

How can I renew the Deposit?

The Renewal Application Form together with the Term Deposit Receipt must be sent to us 15 days prior to the maturity of the Term Deposit Receipt bearing the Depositor's signature on the reverse. Deposits can also be renewed online.

What are options for Renewal of a Cumulative Deposit Receipt?

An existing depositor can renew their deposit for either the Principal amount (interest accrued will be repaid) or alternatively the principal amount plus interest.

What are all the transactions that can be done online?

1. Additional Deposit to existing Deposit Account

2. Renewal of Deposit

3. Repayment of Deposit

4. Inclusion/Modification of Bank Details

5. View Interest Details (CIPA)

6. Modification of Registered Mobile Number

7. Submission of Form 15G/H by eligible depositors

Contact details for deposit queries

Please contact our exclusive deposits toll-free number 1800 572 1840 for any queries related to deposits or write to depositshelpdesk@sundaramfinance.in

एनआरआई जमा

हम अनिवासी भारतीयों से गैर-प्रत्यावर्तनीय आधार पर जमा स्वीकार करते हैं

एनआरआई जमाराशियों को नियंत्रित करने वाले नियम और शर्तें देखने के लिए यहां क्लिक क

x

What types of Deposits are available?

Cumulative as well as Fixed (Regular Income Scheme) Deposits are available.

What is the difference between a Fixed deposit and a Cumulative deposit?

For Fixed Deposits, the interest is payable on either a monthly or quarterly basis.

For Cumulative Deposits, the interest is payable at the time of maturity together with the principal amount invested.

What is the minimum Deposit accepted by the Company?

The minimum deposit for both the Fixed and Cumulative deposit schemes is Rs.10,000/-.

The amount can be placed by Cheque/ Demand Draft / RTGS / NEFT.

Cheques and Demand Drafts may be issued favouring “Sundaram Finance Limited.

RTGS and NEFT Funds Transfer can be done using the bank details given below

Sundaram Finance Limited

ICICI Bank

Nungambakkam Branch

Chennai A/c No – 000905027938

IFSC Code – ICIC0000009

How may I obtain a Deposits Application Form?

Deposit Application Forms are available at all our Branches or can be downloaded from our website

Can a Deposit be placed in the name of a Minor?

Yes. A deposit can be placed in the name of a Minor provided He / She is represented by His / Her Natural or Legal Guardian.

The Deposits Application Form must be signed by the Natural/ Legal Guardian on behalf of the Minor.

All communication in relation to the deposit shall be addressed to the Guardian.

Can a Power of Attorney (POA) holder sign the Deposit Application Form?

Yes, on receipt and verification of the Power Of Attorney by the Company as to its validity in this context.

Are Senior citizens eligible for a higher interest rate?

Yes, Senior citizens are eligible for an additional rate as specified the company time to time.

Can a joint Deposit account be opened?

Yes, a maximum of three people can open a joint Deposit account payable to A or S (Anyone or Survivor) or N or S (Number One or Survivor).

For A or S deposits, the Deposit receipt can be discharged by anyone of the depositors on maturity. However, all the Depositors signatures are required for a Premature Payment or Loan.

For N or S deposits, the Deposit receipt must be discharged by the first Depositor.

What happens if the prevailing interest rates goes up or comes down?

There will be no change. The Company will pay the contracted rate till the maturity of the Deposit Receipt as per the current rules.

When is Income Tax deducted at source from interest?

It is mandatory for the Company to deduct Tax at Source if the estimated annual interest paid /credited on the Deposit exceeds Rs.5000/- during the financial year.

However, those Depositors who are not assessed to Income Tax may furnish a self-declaration in Form 15G or 15H (for Senior Citizens) so that tax is not deducted at source.

What is Form 15G and Form 15H and where do I get it from?

Form 15G and Form 15H (for Senior Citizens) are self- declarations given by those Depositors who are not assessed to Income Tax.

Should the Depositor not be able to sign the Form their left-hand thumb impression will suffice.

The left hand thumb impression must be attested by a Gazetted Officer or Bank Official.

What is the difference between Form 15G and Form 15H?

Declaration in Form 15G can be made by an Individual or a person (not a Company or Partnership / Proprietorship Firm).

A Company or Firm cannot submit declaration in Form 15G or Form 15H. Form 15G is for Resident Individuals below 60 years of age. Form 15H is for Resident Individuals who are Senior Citizens i.e. over 60 years of age

Eligibility for 15G/H if in case of individuals:-

Form 15G:The total income during the financial year should not exceed the basic exemption limit as per Income Tax rules i.e. Rs.2, 50,000/-. If the total income during the financial year exceeds or is likely to exceed Rs. 2, 50,000/- Form 15G cannot be submitted.

Form 15H:If the individual is 60 years but less than 80 years of age, then the total income during the financial year should not exceed the basic exemption limit as per income tax i.e. Rs. 3,00,000/-

If the individual is 80 years of age or more, then the total income during the financial year should not exceed the basic exemption limit as per the income tax i.e. Rs.5,00,000/-.

Eligibility for 15G if in case of persons other than Individuals:

15G can be submitted by a HUF, Association of persons, Body of individuals & Artificial Juridical Persons if the total income during the financial year does not exceed the basic exemption limit as per the income tax i.e. Rs.2, 50,000/-.

Will a certificate be issued by the Company for the Tax deducted at source?

For the Tax deducted at source, Tax deduction certificates in the prescribed form 16A, giving details of the interest remitted to Income Tax Department will be sent on a quarterly basis if the interest on the deposit is paid quarterly.

For the Tax deducted at source (TDS) certificate Form 16A will be generated by the Company through the Tax Information Network (TIN) central system.

In case of salaried person, if the Income Tax is deducted at source from salary, can he /she furnish 15G/15H?

No. As salaried persons are also assesses form 15G/15H cannot be furnished.

Can you open more than one account in the same order of names?

No. All deposits held in the same name, or in the same order of names (in case of joint deposits) are required to be clubbed together for the purpose of Income Tax computation.

Is it sufficient to furnish Form 15G / H once at the time of placing the deposit?

No. Form 15G/H MUST be furnished during renewal of every deposit as also whenever an additional deposit is made during the financial year.

Can a depositor, in case of urgent need of money, withdraw their deposits?

As per Reserve Bank of India directions, no withdrawal of deposit is permitted within three months from the date of Deposit/renewal of Deposit.

Can a withdrawal be made from the deposit after 3 months?

Yes. Premature withdrawal can be made after 3 months from the date of deposit/renewal as per the Directions of Reserve Bank of India and the terms and conditions of the Company.

Can premature proceeds be paid favouring the second/third Depositor?

No. Premature payments will be effected favouring the first depositor only.

Can the Company directly credit the Depositor ' designated bank account?

Yes. The payment can be sent directly to the Depositor's designated bank account available in our records.

Will the Company allow loan against the Deposit?

Loan may be granted against the deposit up to 75% of the deposit amount. Loan can be availed for deposits made within three months from the date of Deposit/Renewal.

The Term Deposit Receipt (TDR) will be under lien and retained by the Company.

However, granting of the loan is at the sole discretion of the Company.

No loan will be granted against Non-Resident Deposits.

What is the rate of interest chargeable for loans?

The loan interest will be charged @ 2% per annum above the contracted rate shown on the Term Deposit Receipt (TDR)

Do you accept Non-Resident Indian (NRI) Deposits?

We accept deposits from NRIs on a non-repatriation basis. Deposits by NRIs are accepted only when the funds originate from their respective NRO Account.

NRI depositors must also submit the following declaration:

The amount deposited with Sundaram Finance Ltd. represents amount transferred from NRO account. Further this amount does not represent inward remittance from overseas to NRO account or transfer of fund from NRE/FCNR(B) account to NRO account.

The depositor has to furnish his NRO bank account number, as both the principal and the interest will be credited to the depositor's NRO bank account. Tax will be deducted at the rates prescribed by the Income Tax rules in force from time to time from the interest amount irrespective of the quantum of interest.

Details of TDS with respect to Non-Resident Deposits

The limit of Rs.5000/-on interest for the purpose of tax is not applicable. Tax rate will be 31.2% as per the current Income Tax rules (Effective 01/04/2018).

Declaration in Form 15G/H for non -deduction of tax at source is not applicable. FATCA (Foreign Account Tax Compliance Act) form must be furnished by the NRI depositor.

The FATCA form is available in the Deposit Application Form or can be downloaded from our website.

How can I renew the Deposit?

The Renewal Application Form together with the Term Deposit Receipt must be sent to us 15 days prior to the maturity of the Term Deposit Receipt bearing the Depositor's signature on the reverse. Deposits can also be renewed online.

What are options for Renewal of a Cumulative Deposit Receipt?

An existing depositor can renew their deposit for either the Principal amount (interest accrued will be repaid) or alternatively the principal amount plus interest.

What are all the transactions that can be done online?

1. Additional Deposit to existing Deposit Account

2. Renewal of Deposit

3. Repayment of Deposit

4. Inclusion/Modification of Bank Details

5. View Interest Details (CIPA)

6. Modification of Registered Mobile Number

7. Submission of Form 15G/H by eligible depositors

Contact details for deposit queries

Please contact our exclusive deposits toll-free number 1800 572 1840 for any queries related to deposits or write to depositshelpdesk@sundaramfinance.in

परिपक्वता पर

मैच्योरिटी तिथि से 15 दिन पहले नवीनीकरण आवेदन फॉर्म (रिन्युअल एप्लीकेशन फॉर्म) के साथ मैच्योरिटी सूचना पत्र अग्रिम रूप से भेजा जाएगा.

जमाओ का नवीनीकरण (डिपॉजिट्स का रिन्युअल)

जमाकर्ता को नवीनीकरण फॉर्म के साथ ऑरिजिनल डिपॉजिट रसीद हस्ताक्षर करके सौंपनी होगी. मैच्योरिटी की तिथि से 2 माह के भीतर नवीनीकरण का निर्देश प्राप्त होने पर ही मैच्योरिटी की तिथि से डिपॉजिट को नवीनीकृत किया जा सकता है. अन्यथा उसे सम्भावित रूप से नवीनीकृत किया जाएगा. लोन के साथ नवीनीकरण सम्भव नहीं है. मैच्योरिटी की तिथि को डिपॉजिट वैल्यू की एवज में लोन को समायोजित करना होगा.

मैच्योरिटी भुगतान

पुनर्भुगतान की दशा में, जमाकर्ता को टीडीआर के पीछे पुनर्भुगतान के निर्देश के साथ रेवेन्यू स्टैम्प (राजस्व टिकट) लगाकर हस्ताक्षर करने होंगे साथ ही बैंक खाते के विवरण वाला चेक लीफ की प्रति जमा करानी होगी.

परिपक्वता विकल्प

मैच्योरिटी पर जमाकर्ता इन में से कोई भी विकल्प चुन सकता है:

  • मैच्योरिटी राशि का भुगतान
  • मैच्योरिटी राशि का नवीनीकरण
  • रु. 1000/- के गुणक के लिए नवीनीकरण (जमा खाते में रु.10,000/- के न्यूनतम शेष के अधीन). जैसेकि रु. 10,720 को रु. 11,000 को राउंडेड अप या रु.10,000 को राउंडेड डाउन किया जा सकता है.

समयपूर्व भुगतान व ऋण

परिदृश्य किसी को या उत्तरजीवी ए या एस उत्तरजीवी या एस
मैच्योरिटी पर नियमित भुगतान जमाकर्ता में कोई भी हस्ताक्षर कर सकता है प्रथम जमाकर्ता अकेला हस्ताक्षर कर सकता है

नामांकन

जमाकर्ता को एक व्यक्ति को नामांकित करने की अनुमती है (डिपॉजिट खाते के लिए) , जिसे जमाकर्ता की मृत्यु की दशा में, सम्बंधित दस्तावेज जमा कराने के बाद कम्पनी जमाराशि वापस कर सकती है.

डिपॉजिट एप्लीकेशन (जमा आवेदन) फॉर्म के पृष्ठ 8 पर नामांकन विवरण उपलब्ध है. जमा अवधि के दौरान नामांकिती को जोड़ने के लिए नामांकन फॉर्म प्राप्त करने हेतु जमाकर्ता कम्पनी से भी सम्पर्क कर सकते हैं. डाउनलोड करने के लिए यहाँ क्लिक करें.Click to download

समय पूर्व भुगतान व लोन

डिपॉजिट रसीद का डिस्चार्ज

परिदृश्य किसी को या उत्तरजीवी ए या एस नम्बर एक या उत्तरजीवी एन या एस
समय पूर्व भुगतान सभी जमाकर्ता हस्ताक्षर करें प्रथम जमाकर्ता अकेला हस्ताक्षर कर सकता है

समय पूर्व भुगतान (प्रीमैच्योर पेमेंट) (पीएमपी) आहरण

मैच्योरिटी से पहले जमाराशि के आहरण को मान्य करने का अधिकार कम्पनी के पास पूर्ण विवेकाधीन सुरक्षित है. इस तरह से समय पूर्व आहरण हेतु मान्य जमा (डिपॉजिट) होने पर सम्बंधित जमा रसीद को ए या एस/एस जमा की दशा में सभी जमाकर्ताओ द्वारा तथा एन या एस/एस जमा की दशा में पहले नामित जमाकर्ता द्वारा डिस्चार्ज करना आवश्यक है.


वर्तमान में प्रभावी आरबीआई के निर्देशों के अनुसार:

3 माह की समाप्ति से पहले पीएमपी कोई भुगतान नहीं**
3 माह बाद लेकिन 6 माह से पहले पीएमपी कोई भुगतान नहीं*
6 माह बाद बाद लेकिन 12 माह से पहले पीएमपी जमा के समय एक वर्ष की दर से 3% कम
12 माह बाद बाद लेकिन 24 माह से पहले पीएमपी जमा के समय एक वर्ष की दर से 2% कम
24 माह बाद बाद लेकिन 36 माह से पहले पीएमपी जमा के समय दो वर्ष की दर से 2% कम

**जमाकर्ता की मृत्यु की दशा में बिना ब्याज के समय पूर्व भुगतान किया जा सकता है

जमाओ पर लोन

कम्पनी अपने पूर्ण विवेकाधीन डिपॉजिट की एवज में लोन दे सकती है, बशर्ते डिपॉजिट, डिपॉजिट राशि के 75% तक न्यूनतम 3 माह की अवधि चली हो, अनुबंधित दर से @2% अधिक ब्याज (टीडीआर जितनी दर पर चक्रवृद्धित) ऐसी जमाओ पर देय हो. सम्बंधित टर्म डिपॉजिट (सावधि जमा) रसीद और लोन दस्तावेज ए या एस/एस खातों की दशा में सभी जमाकर्ताओ द्वारा तथा एन या एस/एस खातों की दशा में प्रथम जमाकर्ता द्वारा हस्ताक्षरित होने चाहिए. लोन के लिए चेक/डीडी केवल प्रथम जमाकर्ता के पक्ष में ही आहरित होंगे.

यदि शेष राशि (न्यूनतम रु. 10,000 के अधीन) के लिए मैच्योरिटी के एक सप्ताह पूर्व अग्रिम रूप से कोई नवीनीकरण निर्देश नहीं प्राप्त हो तो मैच्योरिटी पर लोन मूलधन तथा लोन ब्याज के समायोजन के बाद मैच्योरिटी भुगतान किया जाएगा.

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ஃபிக்செட் டெபாசிட்டுகள்

எங்கள் வாடிக்கையாளர்கள் சொல்கிறார்கள்...
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எங்கள் டெபாசிட்டுகள் 30 ஆண்டுகளாக தொடர்ந்து AAA என மதிப்பிடப்பட்டுள்ளன

மூன்று தலைமுறை டெபாசிட்தாரர்களால் நம்பப்படுகின்றன

எங்களின் 80% டெபாசிட்டர்கள் எங்களுடன் குறைந்தது 10 வருடங்களாக இருக்கின்றனர்.

Click here for deposit application form

ஃபிக்செட் டெபாசிட்

டெபாசிட் செய்து, மாதாந்திர/காலாண்டு (மார்ச், ஜூன், செப்டம்பர், டிசம்பர்) இடைவெளியில் வட்டியைப் பெறுங்கள்.

வட்டீ கிரெடிட் செய்யும் முறை

  • NEFT

ஃபிக்செட் டெபாசிட் – மாற்றியமைக்கப்பட்ட வட்டி விகிதம்
(effective July 01, 2025)

மூத்த குடிமக்கள்**மற்றவர்கள்
தவணை காலம் (மாதங்கள் மற்றும் நாட்கள்) விகிதம் (ஆண்டு இருப்புத் தொகையின் %) மாத வட்டிவிகிதம் % ஆண்டிற்கு காலாண்டுவிகிதம் % ஆண்டிற்கு விகிதம் (ஆண்டு இருப்புத் தொகையின் %) மாத வட்டிவிகிதம் % ஆண்டிற்கு காலாண்டுவிகிதம் % ஆண்டிற்கு
127.206.977.016.706.506.54
247.507.257.307.006.786.82
367.507.257.307.006.786.82

* குறைந்தபட்ச டெபாசிட் ஒரு கணக்கிற்கு ரூ.10,000/–
* தற்போதுள்ள வட்டிவிகிதமானது முதிர்வு வரை மாறாது
**டெபாசிட்/புதுப்பிக்கும் தேதியில் 60 வயது நிறைவடைந்திருத்தல்.

x

What types of Deposits are available?

Cumulative as well as Fixed (Regular Income Scheme) Deposits are available.

What is the difference between a Fixed deposit and a Cumulative deposit?

For Fixed Deposits, the interest is payable on either a monthly or quarterly basis.

For Cumulative Deposits, the interest is payable at the time of maturity together with the principal amount invested.

What is the minimum Deposit accepted by the Company?

The minimum deposit for both the Fixed and Cumulative deposit schemes is Rs.10,000/-.

The amount can be placed by Cheque/ Demand Draft / RTGS / NEFT.

Cheques and Demand Drafts may be issued favouring “Sundaram Finance Limited.

RTGS and NEFT Funds Transfer can be done using the bank details given below

Sundaram Finance Limited

ICICI Bank

Nungambakkam Branch

Chennai A/c No – 000905027938

IFSC Code – ICIC0000009

How may I obtain a Deposits Application Form?

Deposit Application Forms are available at all our Branches or can be downloaded from our website

Can a Deposit be placed in the name of a Minor?

Yes. A deposit can be placed in the name of a Minor provided He / She is represented by His / Her Natural or Legal Guardian.

The Deposits Application Form must be signed by the Natural/ Legal Guardian on behalf of the Minor.

All communication in relation to the deposit shall be addressed to the Guardian.

Can a Power of Attorney (POA) holder sign the Deposit Application Form?

Yes, on receipt and verification of the Power Of Attorney by the Company as to its validity in this context.

Are Senior citizens eligible for a higher interest rate?

Yes, Senior citizens are eligible for an additional rate as specified the company time to time.

Can a joint Deposit account be opened?

Yes, a maximum of three people can open a joint Deposit account payable to A or S (Anyone or Survivor) or N or S (Number One or Survivor).

For A or S deposits, the Deposit receipt can be discharged by anyone of the depositors on maturity. However, all the Depositors signatures are required for a Premature Payment or Loan.

For N or S deposits, the Deposit receipt must be discharged by the first Depositor.

What happens if the prevailing interest rates goes up or comes down?

There will be no change. The Company will pay the contracted rate till the maturity of the Deposit Receipt as per the current rules.

When is Income Tax deducted at source from interest?

It is mandatory for the Company to deduct Tax at Source if the estimated annual interest paid /credited on the Deposit exceeds Rs.5000/- during the financial year.

However, those Depositors who are not assessed to Income Tax may furnish a self-declaration in Form 15G or 15H (for Senior Citizens) so that tax is not deducted at source.

What is Form 15G and Form 15H and where do I get it from?

Form 15G and Form 15H (for Senior Citizens) are self- declarations given by those Depositors who are not assessed to Income Tax.

Should the Depositor not be able to sign the Form their left-hand thumb impression will suffice.

The left hand thumb impression must be attested by a Gazetted Officer or Bank Official.

What is the difference between Form 15G and Form 15H?

Declaration in Form 15G can be made by an Individual or a person (not a Company or Partnership / Proprietorship Firm).

A Company or Firm cannot submit declaration in Form 15G or Form 15H. Form 15G is for Resident Individuals below 60 years of age. Form 15H is for Resident Individuals who are Senior Citizens i.e. over 60 years of age

Eligibility for 15G/H if in case of individuals:-

Form 15G:The total income during the financial year should not exceed the basic exemption limit as per Income Tax rules i.e. Rs.2, 50,000/-. If the total income during the financial year exceeds or is likely to exceed Rs. 2, 50,000/- Form 15G cannot be submitted.

Form 15H:If the individual is 60 years but less than 80 years of age, then the total income during the financial year should not exceed the basic exemption limit as per income tax i.e. Rs. 3,00,000/-

If the individual is 80 years of age or more, then the total income during the financial year should not exceed the basic exemption limit as per the income tax i.e. Rs.5,00,000/-.

Eligibility for 15G if in case of persons other than Individuals:

15G can be submitted by a HUF, Association of persons, Body of individuals & Artificial Juridical Persons if the total income during the financial year does not exceed the basic exemption limit as per the income tax i.e. Rs.2, 50,000/-.

Will a certificate be issued by the Company for the Tax deducted at source?

For the Tax deducted at source, Tax deduction certificates in the prescribed form 16A, giving details of the interest remitted to Income Tax Department will be sent on a quarterly basis if the interest on the deposit is paid quarterly.

For the Tax deducted at source (TDS) certificate Form 16A will be generated by the Company through the Tax Information Network (TIN) central system.

In case of salaried person, if the Income Tax is deducted at source from salary, can he /she furnish 15G/15H?

No. As salaried persons are also assesses form 15G/15H cannot be furnished.

Can you open more than one account in the same order of names?

No. All deposits held in the same name, or in the same order of names (in case of joint deposits) are required to be clubbed together for the purpose of Income Tax computation.

Is it sufficient to furnish Form 15G / H once at the time of placing the deposit?

No. Form 15G/H MUST be furnished during renewal of every deposit as also whenever an additional deposit is made during the financial year.

Can a depositor, in case of urgent need of money, withdraw their deposits?

As per Reserve Bank of India directions, no withdrawal of deposit is permitted within three months from the date of Deposit/renewal of Deposit.

Can a withdrawal be made from the deposit after 3 months?

Yes. Premature withdrawal can be made after 3 months from the date of deposit/renewal as per the Directions of Reserve Bank of India and the terms and conditions of the Company.

Can premature proceeds be paid favouring the second/third Depositor?

No. Premature payments will be effected favouring the first depositor only.

Can the Company directly credit the Depositor ' designated bank account?

Yes. The payment can be sent directly to the Depositor's designated bank account available in our records.

Will the Company allow loan against the Deposit?

Loan may be granted against the deposit up to 75% of the deposit amount. Loan can be availed for deposits made within three months from the date of Deposit/Renewal.

The Term Deposit Receipt (TDR) will be under lien and retained by the Company.

However, granting of the loan is at the sole discretion of the Company.

No loan will be granted against Non-Resident Deposits.

What is the rate of interest chargeable for loans?

The loan interest will be charged @ 2% per annum above the contracted rate shown on the Term Deposit Receipt (TDR)

Do you accept Non-Resident Indian (NRI) Deposits?

We accept deposits from NRIs on a non-repatriation basis. Deposits by NRIs are accepted only when the funds originate from their respective NRO Account.

NRI depositors must also submit the following declaration:

The amount deposited with Sundaram Finance Ltd. represents amount transferred from NRO account. Further this amount does not represent inward remittance from overseas to NRO account or transfer of fund from NRE/FCNR(B) account to NRO account.

The depositor has to furnish his NRO bank account number, as both the principal and the interest will be credited to the depositor's NRO bank account. Tax will be deducted at the rates prescribed by the Income Tax rules in force from time to time from the interest amount irrespective of the quantum of interest.

Details of TDS with respect to Non-Resident Deposits

The limit of Rs.5000/-on interest for the purpose of tax is not applicable. Tax rate will be 31.2% as per the current Income Tax rules (Effective 01/04/2018).

Declaration in Form 15G/H for non -deduction of tax at source is not applicable. FATCA (Foreign Account Tax Compliance Act) form must be furnished by the NRI depositor.

The FATCA form is available in the Deposit Application Form or can be downloaded from our website.

How can I renew the Deposit?

The Renewal Application Form together with the Term Deposit Receipt must be sent to us 15 days prior to the maturity of the Term Deposit Receipt bearing the Depositor's signature on the reverse. Deposits can also be renewed online.

What are options for Renewal of a Cumulative Deposit Receipt?

An existing depositor can renew their deposit for either the Principal amount (interest accrued will be repaid) or alternatively the principal amount plus interest.

What are all the transactions that can be done online?

1. Additional Deposit to existing Deposit Account

2. Renewal of Deposit

3. Repayment of Deposit

4. Inclusion/Modification of Bank Details

5. View Interest Details (CIPA)

6. Modification of Registered Mobile Number

7. Submission of Form 15G/H by eligible depositors

Contact details for deposit queries

Please contact our exclusive deposits toll-free number 1800 572 1840 for any queries related to deposits or write to depositshelpdesk@sundaramfinance.in

க்யூமுலேட்டிவ் டெபாசிட்டுகள்

இதில் முதிர்வு வரை வட்டி சேர்க்கப்படும் முதிர்வின்போது அசல் தொகையுடன் வழங்கப்படும்

க்யூமுலேட்டிவ் டெபாசிட்டுகள் - வட்டி விகிதம்
(effective July 01, 2025)

மூத்த குடிமக்கள்** மற்றவர்கள்
தவணை காலம் (மாதங்கள் மற்றும் நாட்கள்) விகிதம் ஆண்டு இருப்புத் தொகையின் %
மொத்த ஆதாயம் ஆண்டிற்கு % விகிதம் ஆண்டு இருப்புத் தொகையின் % மொத்த ஆதாயம் ஆண்டிற்கு %
12 7.20
7.20 6.70 6.70
24 7.50
7.80 7.00 7.25
36 7.50
8.07 7.00 7.50

* குறைந்தபட்ச டெபாசிட் ஒரு கணக்கிற்கு ரூ.10,000/–
* தற்போதுள்ள வட்டிவிகிதமானது முதிர்வு வரை மாறாது
** டெபாசிட்/புதுப்பிக்கும் தேதியில் 60 வயது நிறைவடைந்திருத்தல்

x

What types of Deposits are available?

Cumulative as well as Fixed (Regular Income Scheme) Deposits are available.

What is the difference between a Fixed deposit and a Cumulative deposit?

For Fixed Deposits, the interest is payable on either a monthly or quarterly basis.

For Cumulative Deposits, the interest is payable at the time of maturity together with the principal amount invested.

What is the minimum Deposit accepted by the Company?

The minimum deposit for both the Fixed and Cumulative deposit schemes is Rs.10,000/-.

The amount can be placed by Cheque/ Demand Draft / RTGS / NEFT.

Cheques and Demand Drafts may be issued favouring “Sundaram Finance Limited.

RTGS and NEFT Funds Transfer can be done using the bank details given below

Sundaram Finance Limited

ICICI Bank

Nungambakkam Branch

Chennai A/c No – 000905027938

IFSC Code – ICIC0000009

How may I obtain a Deposits Application Form?

Deposit Application Forms are available at all our Branches or can be downloaded from our website

Can a Deposit be placed in the name of a Minor?

Yes. A deposit can be placed in the name of a Minor provided He / She is represented by His / Her Natural or Legal Guardian.

The Deposits Application Form must be signed by the Natural/ Legal Guardian on behalf of the Minor.

All communication in relation to the deposit shall be addressed to the Guardian.

Can a Power of Attorney (POA) holder sign the Deposit Application Form?

Yes, on receipt and verification of the Power Of Attorney by the Company as to its validity in this context.

Are Senior citizens eligible for a higher interest rate?

Yes, Senior citizens are eligible for an additional rate as specified the company time to time.

Can a joint Deposit account be opened?

Yes, a maximum of three people can open a joint Deposit account payable to A or S (Anyone or Survivor) or N or S (Number One or Survivor).

For A or S deposits, the Deposit receipt can be discharged by anyone of the depositors on maturity. However, all the Depositors signatures are required for a Premature Payment or Loan.

For N or S deposits, the Deposit receipt must be discharged by the first Depositor.

What happens if the prevailing interest rates goes up or comes down?

There will be no change. The Company will pay the contracted rate till the maturity of the Deposit Receipt as per the current rules.

When is Income Tax deducted at source from interest?

It is mandatory for the Company to deduct Tax at Source if the estimated annual interest paid /credited on the Deposit exceeds Rs.5000/- during the financial year.

However, those Depositors who are not assessed to Income Tax may furnish a self-declaration in Form 15G or 15H (for Senior Citizens) so that tax is not deducted at source.

What is Form 15G and Form 15H and where do I get it from?

Form 15G and Form 15H (for Senior Citizens) are self- declarations given by those Depositors who are not assessed to Income Tax.

Should the Depositor not be able to sign the Form their left-hand thumb impression will suffice.

The left hand thumb impression must be attested by a Gazetted Officer or Bank Official.

What is the difference between Form 15G and Form 15H?

Declaration in Form 15G can be made by an Individual or a person (not a Company or Partnership / Proprietorship Firm).

A Company or Firm cannot submit declaration in Form 15G or Form 15H. Form 15G is for Resident Individuals below 60 years of age. Form 15H is for Resident Individuals who are Senior Citizens i.e. over 60 years of age

Eligibility for 15G/H if in case of individuals:-

Form 15G:The total income during the financial year should not exceed the basic exemption limit as per Income Tax rules i.e. Rs.2, 50,000/-. If the total income during the financial year exceeds or is likely to exceed Rs. 2, 50,000/- Form 15G cannot be submitted.

Form 15H:If the individual is 60 years but less than 80 years of age, then the total income during the financial year should not exceed the basic exemption limit as per income tax i.e. Rs. 3,00,000/-

If the individual is 80 years of age or more, then the total income during the financial year should not exceed the basic exemption limit as per the income tax i.e. Rs.5,00,000/-.

Eligibility for 15G if in case of persons other than Individuals:

15G can be submitted by a HUF, Association of persons, Body of individuals & Artificial Juridical Persons if the total income during the financial year does not exceed the basic exemption limit as per the income tax i.e. Rs.2, 50,000/-.

Will a certificate be issued by the Company for the Tax deducted at source?

For the Tax deducted at source, Tax deduction certificates in the prescribed form 16A, giving details of the interest remitted to Income Tax Department will be sent on a quarterly basis if the interest on the deposit is paid quarterly.

For the Tax deducted at source (TDS) certificate Form 16A will be generated by the Company through the Tax Information Network (TIN) central system.

In case of salaried person, if the Income Tax is deducted at source from salary, can he /she furnish 15G/15H?

No. As salaried persons are also assesses form 15G/15H cannot be furnished.

Can you open more than one account in the same order of names?

No. All deposits held in the same name, or in the same order of names (in case of joint deposits) are required to be clubbed together for the purpose of Income Tax computation.

Is it sufficient to furnish Form 15G / H once at the time of placing the deposit?

No. Form 15G/H MUST be furnished during renewal of every deposit as also whenever an additional deposit is made during the financial year.

Can a depositor, in case of urgent need of money, withdraw their deposits?

As per Reserve Bank of India directions, no withdrawal of deposit is permitted within three months from the date of Deposit/renewal of Deposit.

Can a withdrawal be made from the deposit after 3 months?

Yes. Premature withdrawal can be made after 3 months from the date of deposit/renewal as per the Directions of Reserve Bank of India and the terms and conditions of the Company.

Can premature proceeds be paid favouring the second/third Depositor?

No. Premature payments will be effected favouring the first depositor only.

Can the Company directly credit the Depositor ' designated bank account?

Yes. The payment can be sent directly to the Depositor's designated bank account available in our records.

Will the Company allow loan against the Deposit?

Loan may be granted against the deposit up to 75% of the deposit amount. Loan can be availed for deposits made within three months from the date of Deposit/Renewal.

The Term Deposit Receipt (TDR) will be under lien and retained by the Company.

However, granting of the loan is at the sole discretion of the Company.

No loan will be granted against Non-Resident Deposits.

What is the rate of interest chargeable for loans?

The loan interest will be charged @ 2% per annum above the contracted rate shown on the Term Deposit Receipt (TDR)

Do you accept Non-Resident Indian (NRI) Deposits?

We accept deposits from NRIs on a non-repatriation basis. Deposits by NRIs are accepted only when the funds originate from their respective NRO Account.

NRI depositors must also submit the following declaration:

The amount deposited with Sundaram Finance Ltd. represents amount transferred from NRO account. Further this amount does not represent inward remittance from overseas to NRO account or transfer of fund from NRE/FCNR(B) account to NRO account.

The depositor has to furnish his NRO bank account number, as both the principal and the interest will be credited to the depositor's NRO bank account. Tax will be deducted at the rates prescribed by the Income Tax rules in force from time to time from the interest amount irrespective of the quantum of interest.

Details of TDS with respect to Non-Resident Deposits

The limit of Rs.5000/-on interest for the purpose of tax is not applicable. Tax rate will be 31.2% as per the current Income Tax rules (Effective 01/04/2018).

Declaration in Form 15G/H for non -deduction of tax at source is not applicable. FATCA (Foreign Account Tax Compliance Act) form must be furnished by the NRI depositor.

The FATCA form is available in the Deposit Application Form or can be downloaded from our website.

How can I renew the Deposit?

The Renewal Application Form together with the Term Deposit Receipt must be sent to us 15 days prior to the maturity of the Term Deposit Receipt bearing the Depositor's signature on the reverse. Deposits can also be renewed online.

What are options for Renewal of a Cumulative Deposit Receipt?

An existing depositor can renew their deposit for either the Principal amount (interest accrued will be repaid) or alternatively the principal amount plus interest.

What are all the transactions that can be done online?

1. Additional Deposit to existing Deposit Account

2. Renewal of Deposit

3. Repayment of Deposit

4. Inclusion/Modification of Bank Details

5. View Interest Details (CIPA)

6. Modification of Registered Mobile Number

7. Submission of Form 15G/H by eligible depositors

Contact details for deposit queries

Please contact our exclusive deposits toll-free number 1800 572 1840 for any queries related to deposits or write to depositshelpdesk@sundaramfinance.in

என் ஆர் ஐ டெபாசிட்டுகள்

நாங்கள் NRI டெபாசிட்டுகளை (திருப்பி அனுப்ப முடியாத அடிப்படையில்) ஏற்கிறோம்.

க்ளிக் செய்யவும் என் ஆர் ஐ டெபாசிட்டுகளை நிர்வகிக்கும் விதிமுறைகள் மற்றும் நிபந்தனைகளை காண இங்கு

x

What types of Deposits are available?

Cumulative as well as Fixed (Regular Income Scheme) Deposits are available.

What is the difference between a Fixed deposit and a Cumulative deposit?

For Fixed Deposits, the interest is payable on either a monthly or quarterly basis.

For Cumulative Deposits, the interest is payable at the time of maturity together with the principal amount invested.

What is the minimum Deposit accepted by the Company?

The minimum deposit for both the Fixed and Cumulative deposit schemes is Rs.10,000/-.

The amount can be placed by Cheque/ Demand Draft / RTGS / NEFT.

Cheques and Demand Drafts may be issued favouring “Sundaram Finance Limited.

RTGS and NEFT Funds Transfer can be done using the bank details given below

Sundaram Finance Limited

ICICI Bank

Nungambakkam Branch

Chennai A/c No – 000905027938

IFSC Code – ICIC0000009

How may I obtain a Deposits Application Form?

Deposit Application Forms are available at all our Branches or can be downloaded from our website

Can a Deposit be placed in the name of a Minor?

Yes. A deposit can be placed in the name of a Minor provided He / She is represented by His / Her Natural or Legal Guardian.

The Deposits Application Form must be signed by the Natural/ Legal Guardian on behalf of the Minor.

All communication in relation to the deposit shall be addressed to the Guardian.

Can a Power of Attorney (POA) holder sign the Deposit Application Form?

Yes, on receipt and verification of the Power Of Attorney by the Company as to its validity in this context.

Are Senior citizens eligible for a higher interest rate?

Yes, Senior citizens are eligible for an additional rate as specified the company time to time.

Can a joint Deposit account be opened?

Yes, a maximum of three people can open a joint Deposit account payable to A or S (Anyone or Survivor) or N or S (Number One or Survivor).

For A or S deposits, the Deposit receipt can be discharged by anyone of the depositors on maturity. However, all the Depositors signatures are required for a Premature Payment or Loan.

For N or S deposits, the Deposit receipt must be discharged by the first Depositor.

What happens if the prevailing interest rates goes up or comes down?

There will be no change. The Company will pay the contracted rate till the maturity of the Deposit Receipt as per the current rules.

When is Income Tax deducted at source from interest?

It is mandatory for the Company to deduct Tax at Source if the estimated annual interest paid /credited on the Deposit exceeds Rs.5000/- during the financial year.

However, those Depositors who are not assessed to Income Tax may furnish a self-declaration in Form 15G or 15H (for Senior Citizens) so that tax is not deducted at source.

What is Form 15G and Form 15H and where do I get it from?

Form 15G and Form 15H (for Senior Citizens) are self- declarations given by those Depositors who are not assessed to Income Tax.

Should the Depositor not be able to sign the Form their left-hand thumb impression will suffice.

The left hand thumb impression must be attested by a Gazetted Officer or Bank Official.

What is the difference between Form 15G and Form 15H?

Declaration in Form 15G can be made by an Individual or a person (not a Company or Partnership / Proprietorship Firm).

A Company or Firm cannot submit declaration in Form 15G or Form 15H. Form 15G is for Resident Individuals below 60 years of age. Form 15H is for Resident Individuals who are Senior Citizens i.e. over 60 years of age

Eligibility for 15G/H if in case of individuals:-

Form 15G:The total income during the financial year should not exceed the basic exemption limit as per Income Tax rules i.e. Rs.2, 50,000/-. If the total income during the financial year exceeds or is likely to exceed Rs. 2, 50,000/- Form 15G cannot be submitted.

Form 15H:If the individual is 60 years but less than 80 years of age, then the total income during the financial year should not exceed the basic exemption limit as per income tax i.e. Rs. 3,00,000/-

If the individual is 80 years of age or more, then the total income during the financial year should not exceed the basic exemption limit as per the income tax i.e. Rs.5,00,000/-.

Eligibility for 15G if in case of persons other than Individuals:

15G can be submitted by a HUF, Association of persons, Body of individuals & Artificial Juridical Persons if the total income during the financial year does not exceed the basic exemption limit as per the income tax i.e. Rs.2, 50,000/-.

Will a certificate be issued by the Company for the Tax deducted at source?

For the Tax deducted at source, Tax deduction certificates in the prescribed form 16A, giving details of the interest remitted to Income Tax Department will be sent on a quarterly basis if the interest on the deposit is paid quarterly.

For the Tax deducted at source (TDS) certificate Form 16A will be generated by the Company through the Tax Information Network (TIN) central system.

In case of salaried person, if the Income Tax is deducted at source from salary, can he /she furnish 15G/15H?

No. As salaried persons are also assesses form 15G/15H cannot be furnished.

Can you open more than one account in the same order of names?

No. All deposits held in the same name, or in the same order of names (in case of joint deposits) are required to be clubbed together for the purpose of Income Tax computation.

Is it sufficient to furnish Form 15G / H once at the time of placing the deposit?

No. Form 15G/H MUST be furnished during renewal of every deposit as also whenever an additional deposit is made during the financial year.

Can a depositor, in case of urgent need of money, withdraw their deposits?

As per Reserve Bank of India directions, no withdrawal of deposit is permitted within three months from the date of Deposit/renewal of Deposit.

Can a withdrawal be made from the deposit after 3 months?

Yes. Premature withdrawal can be made after 3 months from the date of deposit/renewal as per the Directions of Reserve Bank of India and the terms and conditions of the Company.

Can premature proceeds be paid favouring the second/third Depositor?

No. Premature payments will be effected favouring the first depositor only.

Can the Company directly credit the Depositor ' designated bank account?

Yes. The payment can be sent directly to the Depositor's designated bank account available in our records.

Will the Company allow loan against the Deposit?

Loan may be granted against the deposit up to 75% of the deposit amount. Loan can be availed for deposits made within three months from the date of Deposit/Renewal.

The Term Deposit Receipt (TDR) will be under lien and retained by the Company.

However, granting of the loan is at the sole discretion of the Company.

No loan will be granted against Non-Resident Deposits.

What is the rate of interest chargeable for loans?

The loan interest will be charged @ 2% per annum above the contracted rate shown on the Term Deposit Receipt (TDR)

Do you accept Non-Resident Indian (NRI) Deposits?

We accept deposits from NRIs on a non-repatriation basis. Deposits by NRIs are accepted only when the funds originate from their respective NRO Account.

NRI depositors must also submit the following declaration:

The amount deposited with Sundaram Finance Ltd. represents amount transferred from NRO account. Further this amount does not represent inward remittance from overseas to NRO account or transfer of fund from NRE/FCNR(B) account to NRO account.

The depositor has to furnish his NRO bank account number, as both the principal and the interest will be credited to the depositor's NRO bank account. Tax will be deducted at the rates prescribed by the Income Tax rules in force from time to time from the interest amount irrespective of the quantum of interest.

Details of TDS with respect to Non-Resident Deposits

The limit of Rs.5000/-on interest for the purpose of tax is not applicable. Tax rate will be 31.2% as per the current Income Tax rules (Effective 01/04/2018).

Declaration in Form 15G/H for non -deduction of tax at source is not applicable. FATCA (Foreign Account Tax Compliance Act) form must be furnished by the NRI depositor.

The FATCA form is available in the Deposit Application Form or can be downloaded from our website.

How can I renew the Deposit?

The Renewal Application Form together with the Term Deposit Receipt must be sent to us 15 days prior to the maturity of the Term Deposit Receipt bearing the Depositor's signature on the reverse. Deposits can also be renewed online.

What are options for Renewal of a Cumulative Deposit Receipt?

An existing depositor can renew their deposit for either the Principal amount (interest accrued will be repaid) or alternatively the principal amount plus interest.

What are all the transactions that can be done online?

1. Additional Deposit to existing Deposit Account

2. Renewal of Deposit

3. Repayment of Deposit

4. Inclusion/Modification of Bank Details

5. View Interest Details (CIPA)

6. Modification of Registered Mobile Number

7. Submission of Form 15G/H by eligible depositors

Contact details for deposit queries

Please contact our exclusive deposits toll-free number 1800 572 1840 for any queries related to deposits or write to depositshelpdesk@sundaramfinance.in

முதிர்வின்போது

முதிர்வு பற்றி அறிவிப்பு கடிதம் உங்கள் புதுப்பிப்பு விண்ணப்பப்படிவத்துடன் முதிர்வுத் தேதிக்கு 15 நாட்களுக்கு முன்னதாகவே அனுப்பப்படுகிறது

டெபாசிட்டுகள் புதிப்பிப்பு

புதுப்பித்தல் படிவத்துடன் முறையாக கையொப்பமிடப்பட்ட ஒரிஜினல் டெபாசிட் ரசீதை டெபாசிட்தாரர் சமர்ப்பிக்க வேண்டும். முதிர்வு தேதியிலிருந்து 2 மாதங்களுக்குள் புதுப்பிப்பு படிவம், ஒரிஜினல் டெபாசிட் ரசீதுடன் பெறப்பட்டால் மட்டுமே டெபாசிட்டை முதிர்வு தேதியிலிருந்து புதுப்பிக்க முடியும். இல்லையெனில், அது எதிர்காலத்தில் புதுப்பிக்கப்படும். கடன் மூலம் புதுப்பித்தல் சாத்தியமில்லை. கடன் முதிர்வு தேதியில் டெபாசிட் மதிப்புக்கு எதிராக ஈடுகட்டப்பட வேண்டும்.

முதிர்வின்போது பணம் வழங்குதல்

திருப்பிச் செலுத்தும் பட்சத்தில், வங்கிக் கணக்கு விவரங்கள் அடங்கிய காசோலை தாளின் நகலுடன் திருப்பிச் செலுத்துவதற்கான வழிமுறைகளுடன் கூடிய வருவாய் முத்திரையை ஒட்டி டிடிஆரின் பின்புறத்தில் டெபாசிட்தாரர் கையெழுத்திட வேண்டும்.

முதிர்வு தேர்வுகள்

முதிர்வின்போது, டெபாசிடாரர் பின் வருவனவற்றை தேர்ந்தெடுக்கலாம்:

  • முதிர்வுத் தொகை பெறுதல்
  • முதிர்வுத் தொகையை புதுப்பித்தல்
  • ரூ. 1000/– மடங்குகளில் புதுப்பிக்க வேண்டும் (டெபாசிட்டில் குறைந்த பட்ச இருப்புத் தொகையை ரூ.10000/– இருக்க வேண்டும். உதாரணம்: ரூ.10,720 தொகையை ரூ.11000 என்று முழுமையாக்கலாம் அல்லது 10000 என்று குறைத்து முழுமையாக்கலாம்.

டிஸ்சார்ஜ் செய்யப்பட்ட டெபாசிட் ரசீது

நிலை யாராவது ஒருவர் அல்லது உயிரோடு இருப்பவர் முதல் நபர் அல்லது உயிரோடு இருப்பவர் /இருப்பவர்கள்
முதிர்வின்போது வழக்கமான தொகை வழங்குதல் டெபாசிட்தாரரில் ஒருவர் கையொப்பமிடுதல் முதல் டெபாசிட்தாரர் மட்தும் கையொப்பமிட வேண்டும்.

நியமனம்

டெபாசிட்தாரர்கள் ஒருவரை (டெபாசிட் கணக்கிற்கு) பரிந்துரைக்க அனுமதிக்கப்படுவார்கள், அவருக்கு சம்பந்தப்பட்ட ஆவணங்களைச் சமர்ப்பித்த பிறகு, டெபாசிட்தாரருக்கு மரணம் ஏற்பட்டால், டெபாசிட்டை நிறுவனம் திருப்பித் தரலாம்.

நியமன விவரங்கள் வைப்புத்தொகை விண்ணப்பப் படிவத்தின் பக்கம் 8 இல் உள்ளன, டெபாசிட் தொகையின் கால கட்டத்தில் ஒரு நாமினியைச் சேர்க்க விரும்பினால், ஒரு நியமனப் படிவத்திற்காக டெபாசிட்டர்கள் நிறுவனத்தைத் தொடர்பு கொள்ளலாம். பதிவிறக்கம் செய்ய க்ளிக் செய்யவும்Click to download

முதிர்விற்கு முன்னரே பணம் வழங்குதல் மற்றும் கடன்கள்

டெபாசிட் ரசீதை முடித்தல்

நிலை யாராவது ஒருவர் அல்லது உயிரோடு இருப்பவர் முதல் நபர் அல்லது உயிரோடு இருப்பவர் /இருப்பவர்கள்
உரிய காலத்திற்கு முன்பு திருப்பிச்செலுத்துதல் டெபாசிட்தாரர்கள் அனைவரும் கையொப்பமிடவேண்டும் முதல் டெபாசிட்தாரர் மட்டுமே கைய்ப்பமிடவேண்டும்.

உரியகாலத்திற்கு முன்பு தொகையை (PMP) திரும்ப எடுத்தல்

முதிர்வுக்கு முன் டெபாசிட்களை திரும்பப் பெற அதன் முழுமையான விருப்பத்தின் பேரில் அனுமதிக்கும் உரிமை நிறுவனத்திற்கு உள்ளது. ஒரு வைப்புத்தொகையை முன்கூட்டியே திரும்பப் பெற அனுமதிக்கப்படும் பட்சத்தில் யாராவது ஒரு வர் அல்லது உயிரோடு ஒருப்பவர்கள் ‘டெபாசிட் தொகையின் போது அனைத்து டெபாசிட்தாரர்களாலும் மற்றும் முதல் டெபாசித் தாரர் அலல்து உயிருடன் இருப்பவர் டெபாசிட் போது முதலில் பெயரிடப்பட்ட வைப்பாளராலும் உறவினர் வைப்பு ரசீது விடுவிக்கப்பட வேண்டும்.


வேதற்போது நடப்பிலுள்ள ஆர்பிஐ வழிமுறைகளின்படி:

3 மாதம் நிறைவடையும் முன்பு பிஎம்பி தொகை தரப்படாது**
3 மாதம் நிறைவடைந்த பின்பு ஆனால் 6 மாதத்திற்குய் முன்பு பிஎம்பி வட்டி இல்லை*
6 மாதம் நிறைவடைந்த பின்பு ஆனால் 12 மாதத்திற்குய் முன்பு பிஎம்பி டெபாசிட் செய்யும் தேதியில் உள்ள ஒரு ஆண்டு விகிதத்தைவிட 3% குறைவு
12மாதம் நிறைவடைந்த பின்பு ஆனால் 12 மாதத்திற்குய் முன்பு பிஎம்பி டெபாசிட் செய்யும் தேதியில் உள்ள ஒரு ஆண்டு விகிதத்தைவிட 2% குறைவு
24 மாதம் நிறைவடைந்த பின்பு ஆனால் 26 மாதத்திற்குய் முன்பு பிஎம்பி டெபாசிட் செய்யும் தேதியில் உள்ள ஒரு ஆண்டு விகிதத்தைவிட 2% குறைவு

** டெபாசித்தாரருக்கு மரணம் ஏற்பட்டால் வட்டி இல்லாமல் முன்கூட்டியே பணம் செலுத்தலாம்
* டெபாசிட்தாரருக்கு மரணம் ஏற்பட்டால், மேற்கூறிய விகிதங்கள் முன்கூட்டியே செலுத்துதலுக்கும் (PMP) பொருந்தும்.

டெபாசிட் மீது கடன்

டெபாசிட் தொகையில் குறைந்தபட்சம் 3 மாதங்கள் வரை 75% வரை டெபாசிட் இயங்கினால், ஒப்பந்த விகிதத்தை விட @2% வட்டியுடன் (அதே கூட்டுத்தொகையுடன்) நிறுவனம் அதன் சொந்த விருப்பத்தின் பேரில், டெபாசிட்டுக்கு எதிரான கடனை வழங்கலாம். TDR இன் விகிதம்) அத்தகைய டெபாசிட்டுகளில் செலுத்தப்படும். தொடர்புடைய கால வைப்பு ரசீது மற்றும் கடன் ஆவணங்கள் யாராஅது ஒருவர் அல்லது உயிரோடு இருப்பவர் அல்லது கணக்குகளில் இரு/அனைத்து வைப்பாளர்களாலும் மற்றும் அல்லது கணக்குகளில் முதல் வைப்பாளராலும் உயிரோடு இருக்கும் மற்றவர்களாலும் கையொப்பமிடப்பட வேண்டும். கடனுக்கான காசோலை/டிடி முதல் டெபாசிட்டருக்கு ஆதரவாக மட்டுமே எடுக்கப்படும்.

மீதித் தொகைக்கான (குறைந்தபட்சம் ரூ. 10,000க்கு உட்பட்டது) புதுப்பித்தல் வழிமுறைகள் முதிர்வுக்கு ஒரு வாரத்திற்குள் பெறப்படாவிட்டால், கடன் அசல் மற்றும் கடன் வட்டியை சரிசெய்த பிறகு முதிர்வுத் தொகை செலுத்தப்படும்.

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இதர திட்டங்களை பார்க்க

மியூச்சுவல் ஃபண்ட்ஸ்

இப்போது மிகச்சிறந்த மியூச்சுவல் ஃபண்டுகளில் முதலீடு செய்து உங்கள் முதலீட்டை வளருங்கள்

ஆயுள் காப்பீடு

உங்களுக்கும் மற்றும் உங்கள் குடும்பத்திற்கும் எளிமையான மற்றும் தொல்லை இல்லாத காப்பீட்டுச் சேவைகள்

முதலீட்டு சேவைகள்

தனிப்பட்ட மற்றும் பாரபட்சமில்லாத முதலீட்டு மேலாண்மை

ಫಿಕ್ಸ್ಡ್ ಡಿಪಾಸಿಟ್ಗಳು

ನಮ್ಮ ಗ್ರಾಹಕರು ಏನು ಹೇಳಬೇಕು...
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ನಮ್ಮ ಡಿಪಾಸಿಟ್ಗಳನ್ನು 30 ವರ್ಷಗಳಿಂದ ನಿರಂತರವಾಗಿ AAA ರೇಟ್ ಮಾಡಲಾಗಿದೆ

ಮೂರು ತಲೆಮಾರುಗಳ ಡಿಪಾಸಿಟರ್ಗಳಿಂದ ನಂಬಿಕೆಯಿಡಲಾಗಿದೆ

ನಮ್ಮ ಡಿಪಾಸಿಟರ್ಗಳಲ್ಲಿ 80% ರಷ್ಟು ಕನಿಷ್ಠ ಪಕ್ಷ 10 ವರ್ಷಗಳ ಕಾಲ ನಮ್ಮೊಂದಿಗಿದ್ದಾರೆ

Click here for deposit application form

ಫಿಕ್ಸ್ಡ್ ಡಿಪಾಸಿಟ್ಗಳು

ಡಿಪಾಸಿಟ್ ಮಾಡಿ ಹಾಗೂ ಮಾಸಿಕ/ತ್ರೈಮಾಸಿಕ [ಮಾರ್ಚ್,ಜೂನ್,ಸೆಪ್ಟೆಂಬರ್,ಡಿಸೆಂಬರ್]ಮಧ್ಯಂತರಗಳಲ್ಲಿ ಬಡ್ಡಿಯನ್ನು ಗಳಿಸಿ.

ಬಡ್ಡಿ ಜಮೆ ಮಾಡುವ ವಿಧಾನ

  • NEFT

ಫಿಕ್ಸ್‌ಡ್‌ ಡಿಪಾಸಿಟ್‌ಗಳು [ಸ್ಥಿರ ಠೇವಣಿಗಳು] - ಬಡ್ಡಿ ದರಗಳು
(effective July 01, 2025)

ಹಿರಿಯ ನಾಗರಿಕರು **ಇತರರು
ಅವಧಿ (ತಿಂಗಳುಗಳು ಮತ್ತು ದಿನಗಳು) ದರ [%ವಾರ್ಷಿಕ ಆಧಾರದಲ್ಲಿ] ಮಾಸಿಕ ಬಡ್ಡಿದರ % ವಾರ್ಷಿಕ ತ್ರೈಮಾಸಿಕಬಡ್ಡಿ ದರ % ವಾರ್ಷಿಕ ದರ [%ವಾರ್ಷಿಕ ಆಧಾರದಲ್ಲಿ] ಮಾಸಿಕ ಬಡ್ಡಿದರ % ವಾರ್ಷಿಕ ತ್ರೈಮಾಸಿಕಬಡ್ಡಿ ದರ % ವಾರ್ಷಿಕ
127.206.977.016.706.506.54
247.507.257.307.006.786.82
367.507.257.307.006.786.82

* ಕನಿಷ್ಠ ಡಿಪಾಸಿಟ್ ರೂ. 10,000/- ಪ್ರತಿ ಖಾತೆಗೆ
* ಅಸ್ತಿತ್ವದಲ್ಲಿರುವ ಡಿಪಾಸಿಟ್ಗಳ ಮೇಲಿನ ಬಡ್ಡಿದರಗಳು ಅವಧಿ ಮುಕ್ತಾಯದವರೆಗೆ ಬದಲಾಗದೆ ಇರುತ್ತವೆ
**ಡಿಪಾಸಿಟ್/ರಿನ್ಯೂವಲ್ ದಿನಾಂಕದಂದು 60 ವರ್ಷಗಳು ಪೂರ್ಣಗೊಂಡಿವೆ

x

What types of Deposits are available?

Cumulative as well as Fixed (Regular Income Scheme) Deposits are available.

What is the difference between a Fixed deposit and a Cumulative deposit?

For Fixed Deposits, the interest is payable on either a monthly or quarterly basis.

For Cumulative Deposits, the interest is payable at the time of maturity together with the principal amount invested.

What is the minimum Deposit accepted by the Company?

The minimum deposit for both the Fixed and Cumulative deposit schemes is Rs.10,000/-.

The amount can be placed by Cheque/ Demand Draft / RTGS / NEFT.

Cheques and Demand Drafts may be issued favouring “Sundaram Finance Limited.

RTGS and NEFT Funds Transfer can be done using the bank details given below

Sundaram Finance Limited

ICICI Bank

Nungambakkam Branch

Chennai A/c No – 000905027938

IFSC Code – ICIC0000009

How may I obtain a Deposits Application Form?

Deposit Application Forms are available at all our Branches or can be downloaded from our website

Can a Deposit be placed in the name of a Minor?

Yes. A deposit can be placed in the name of a Minor provided He / She is represented by His / Her Natural or Legal Guardian.

The Deposits Application Form must be signed by the Natural/ Legal Guardian on behalf of the Minor.

All communication in relation to the deposit shall be addressed to the Guardian.

Can a Power of Attorney (POA) holder sign the Deposit Application Form?

Yes, on receipt and verification of the Power Of Attorney by the Company as to its validity in this context.

Are Senior citizens eligible for a higher interest rate?

Yes, Senior citizens are eligible for an additional rate as specified the company time to time.

Can a joint Deposit account be opened?

Yes, a maximum of three people can open a joint Deposit account payable to A or S (Anyone or Survivor) or N or S (Number One or Survivor).

For A or S deposits, the Deposit receipt can be discharged by anyone of the depositors on maturity. However, all the Depositors signatures are required for a Premature Payment or Loan.

For N or S deposits, the Deposit receipt must be discharged by the first Depositor.

What happens if the prevailing interest rates goes up or comes down?

There will be no change. The Company will pay the contracted rate till the maturity of the Deposit Receipt as per the current rules.

When is Income Tax deducted at source from interest?

It is mandatory for the Company to deduct Tax at Source if the estimated annual interest paid /credited on the Deposit exceeds Rs.5000/- during the financial year.

However, those Depositors who are not assessed to Income Tax may furnish a self-declaration in Form 15G or 15H (for Senior Citizens) so that tax is not deducted at source.

What is Form 15G and Form 15H and where do I get it from?

Form 15G and Form 15H (for Senior Citizens) are self- declarations given by those Depositors who are not assessed to Income Tax.

Should the Depositor not be able to sign the Form their left-hand thumb impression will suffice.

The left hand thumb impression must be attested by a Gazetted Officer or Bank Official.

What is the difference between Form 15G and Form 15H?

Declaration in Form 15G can be made by an Individual or a person (not a Company or Partnership / Proprietorship Firm).

A Company or Firm cannot submit declaration in Form 15G or Form 15H. Form 15G is for Resident Individuals below 60 years of age. Form 15H is for Resident Individuals who are Senior Citizens i.e. over 60 years of age

Eligibility for 15G/H if in case of individuals:-

Form 15G:The total income during the financial year should not exceed the basic exemption limit as per Income Tax rules i.e. Rs.2, 50,000/-. If the total income during the financial year exceeds or is likely to exceed Rs. 2, 50,000/- Form 15G cannot be submitted.

Form 15H:If the individual is 60 years but less than 80 years of age, then the total income during the financial year should not exceed the basic exemption limit as per income tax i.e. Rs. 3,00,000/-

If the individual is 80 years of age or more, then the total income during the financial year should not exceed the basic exemption limit as per the income tax i.e. Rs.5,00,000/-.

Eligibility for 15G if in case of persons other than Individuals:

15G can be submitted by a HUF, Association of persons, Body of individuals & Artificial Juridical Persons if the total income during the financial year does not exceed the basic exemption limit as per the income tax i.e. Rs.2, 50,000/-.

Will a certificate be issued by the Company for the Tax deducted at source?

For the Tax deducted at source, Tax deduction certificates in the prescribed form 16A, giving details of the interest remitted to Income Tax Department will be sent on a quarterly basis if the interest on the deposit is paid quarterly.

For the Tax deducted at source (TDS) certificate Form 16A will be generated by the Company through the Tax Information Network (TIN) central system.

In case of salaried person, if the Income Tax is deducted at source from salary, can he /she furnish 15G/15H?

No. As salaried persons are also assesses form 15G/15H cannot be furnished.

Can you open more than one account in the same order of names?

No. All deposits held in the same name, or in the same order of names (in case of joint deposits) are required to be clubbed together for the purpose of Income Tax computation.

Is it sufficient to furnish Form 15G / H once at the time of placing the deposit?

No. Form 15G/H MUST be furnished during renewal of every deposit as also whenever an additional deposit is made during the financial year.

Can a depositor, in case of urgent need of money, withdraw their deposits?

As per Reserve Bank of India directions, no withdrawal of deposit is permitted within three months from the date of Deposit/renewal of Deposit.

Can a withdrawal be made from the deposit after 3 months?

Yes. Premature withdrawal can be made after 3 months from the date of deposit/renewal as per the Directions of Reserve Bank of India and the terms and conditions of the Company.

Can premature proceeds be paid favouring the second/third Depositor?

No. Premature payments will be effected favouring the first depositor only.

Can the Company directly credit the Depositor ' designated bank account?

Yes. The payment can be sent directly to the Depositor's designated bank account available in our records.

Will the Company allow loan against the Deposit?

Loan may be granted against the deposit up to 75% of the deposit amount. Loan can be availed for deposits made within three months from the date of Deposit/Renewal.

The Term Deposit Receipt (TDR) will be under lien and retained by the Company.

However, granting of the loan is at the sole discretion of the Company.

No loan will be granted against Non-Resident Deposits.

What is the rate of interest chargeable for loans?

The loan interest will be charged @ 2% per annum above the contracted rate shown on the Term Deposit Receipt (TDR)

Do you accept Non-Resident Indian (NRI) Deposits?

We accept deposits from NRIs on a non-repatriation basis. Deposits by NRIs are accepted only when the funds originate from their respective NRO Account.

NRI depositors must also submit the following declaration:

The amount deposited with Sundaram Finance Ltd. represents amount transferred from NRO account. Further this amount does not represent inward remittance from overseas to NRO account or transfer of fund from NRE/FCNR(B) account to NRO account.

The depositor has to furnish his NRO bank account number, as both the principal and the interest will be credited to the depositor's NRO bank account. Tax will be deducted at the rates prescribed by the Income Tax rules in force from time to time from the interest amount irrespective of the quantum of interest.

Details of TDS with respect to Non-Resident Deposits

The limit of Rs.5000/-on interest for the purpose of tax is not applicable. Tax rate will be 31.2% as per the current Income Tax rules (Effective 01/04/2018).

Declaration in Form 15G/H for non -deduction of tax at source is not applicable. FATCA (Foreign Account Tax Compliance Act) form must be furnished by the NRI depositor.

The FATCA form is available in the Deposit Application Form or can be downloaded from our website.

How can I renew the Deposit?

The Renewal Application Form together with the Term Deposit Receipt must be sent to us 15 days prior to the maturity of the Term Deposit Receipt bearing the Depositor's signature on the reverse. Deposits can also be renewed online.

What are options for Renewal of a Cumulative Deposit Receipt?

An existing depositor can renew their deposit for either the Principal amount (interest accrued will be repaid) or alternatively the principal amount plus interest.

What are all the transactions that can be done online?

1. Additional Deposit to existing Deposit Account

2. Renewal of Deposit

3. Repayment of Deposit

4. Inclusion/Modification of Bank Details

5. View Interest Details (CIPA)

6. Modification of Registered Mobile Number

7. Submission of Form 15G/H by eligible depositors

Contact details for deposit queries

Please contact our exclusive deposits toll-free number 1800 572 1840 for any queries related to deposits or write to depositshelpdesk@sundaramfinance.in

ಕ್ಯುಮ್ಯುಲೇಟಿವ್ ಡಿಪಾಸಿಟ್ಗಳು

It is a deposit where the accrued interest is payable on Maturity along with the principal

ಕ್ಯುಮ್ಯುಲೇಟಿವ್ ಡಿಪಾಸಿಟ್ಗಳು [ಸಂಚಿತ ಠೆವಣಿಗಳು]-ಪರಿಷ್ಕೃತ ಬಡ್ಡಿ ದರಗಳು
(effective July 01, 2025)

ಹಿರಿಯ ನಾಗರಿಕರು** ಇತರರು
ಅವಧಿ (ತಿಂಗಳುಗಳು ಮತ್ತು ದಿನಗಳು ವಾರ್ಷಿಕ ಆಧಾರದಲ್ಲಿ ದರದ %
ಪರಿಣಾಮಕಾರಿ ಆದಾಯದ % ವಾರ್ಷಿಕ ವಾರ್ಷಿಕ ಆಧಾರದಲ್ಲಿ ದರದ % ಪರಿಣಾಮಕಾರಿ ಆದಾಯದ % ವಾರ್ಷಿಕ
12 7.20
7.20 6.70 6.70
24 7.50
7.80 7.00 7.25
36 7.50
8.07 7.00 7.50

* ಕನಿಷ್ಠ ಡಿಪಾಸಿಟ್ ರೂ. 10,000/- ಪ್ರತಿ ಖಾತೆಗೆ
* ಅಸ್ತಿತ್ವದಲ್ಲಿರುವ ಡಿಪಾಸಿಟ್ಗಳ ಮೇಲಿನ ಬಡ್ಡಿದರಗಳು ಅವಧಿ ಮುಕ್ತಾಯದವರೆಗೆ ಬದಲಾಗದೆ ಇರುತ್ತವೆ
**ಡಿಪಾಸಿಟ್/ರಿನ್ಯೂವಲ್ ದಿನಾಂಕದಂದು 60 ವರ್ಷಗಳು ಪೂರ್ಣಗೊಂಡಿವೆ

x

What types of Deposits are available?

Cumulative as well as Fixed (Regular Income Scheme) Deposits are available.

What is the difference between a Fixed deposit and a Cumulative deposit?

For Fixed Deposits, the interest is payable on either a monthly or quarterly basis.

For Cumulative Deposits, the interest is payable at the time of maturity together with the principal amount invested.

What is the minimum Deposit accepted by the Company?

The minimum deposit for both the Fixed and Cumulative deposit schemes is Rs.10,000/-.

The amount can be placed by Cheque/ Demand Draft / RTGS / NEFT.

Cheques and Demand Drafts may be issued favouring “Sundaram Finance Limited.

RTGS and NEFT Funds Transfer can be done using the bank details given below

Sundaram Finance Limited

ICICI Bank

Nungambakkam Branch

Chennai A/c No – 000905027938

IFSC Code – ICIC0000009

How may I obtain a Deposits Application Form?

Deposit Application Forms are available at all our Branches or can be downloaded from our website

Can a Deposit be placed in the name of a Minor?

Yes. A deposit can be placed in the name of a Minor provided He / She is represented by His / Her Natural or Legal Guardian.

The Deposits Application Form must be signed by the Natural/ Legal Guardian on behalf of the Minor.

All communication in relation to the deposit shall be addressed to the Guardian.

Can a Power of Attorney (POA) holder sign the Deposit Application Form?

Yes, on receipt and verification of the Power Of Attorney by the Company as to its validity in this context.

Are Senior citizens eligible for a higher interest rate?

Yes, Senior citizens are eligible for an additional rate as specified the company time to time.

Can a joint Deposit account be opened?

Yes, a maximum of three people can open a joint Deposit account payable to A or S (Anyone or Survivor) or N or S (Number One or Survivor).

For A or S deposits, the Deposit receipt can be discharged by anyone of the depositors on maturity. However, all the Depositors signatures are required for a Premature Payment or Loan.

For N or S deposits, the Deposit receipt must be discharged by the first Depositor.

What happens if the prevailing interest rates goes up or comes down?

There will be no change. The Company will pay the contracted rate till the maturity of the Deposit Receipt as per the current rules.

When is Income Tax deducted at source from interest?

It is mandatory for the Company to deduct Tax at Source if the estimated annual interest paid /credited on the Deposit exceeds Rs.5000/- during the financial year.

However, those Depositors who are not assessed to Income Tax may furnish a self-declaration in Form 15G or 15H (for Senior Citizens) so that tax is not deducted at source.

What is Form 15G and Form 15H and where do I get it from?

Form 15G and Form 15H (for Senior Citizens) are self- declarations given by those Depositors who are not assessed to Income Tax.

Should the Depositor not be able to sign the Form their left-hand thumb impression will suffice.

The left hand thumb impression must be attested by a Gazetted Officer or Bank Official.

What is the difference between Form 15G and Form 15H?

Declaration in Form 15G can be made by an Individual or a person (not a Company or Partnership / Proprietorship Firm).

A Company or Firm cannot submit declaration in Form 15G or Form 15H. Form 15G is for Resident Individuals below 60 years of age. Form 15H is for Resident Individuals who are Senior Citizens i.e. over 60 years of age

Eligibility for 15G/H if in case of individuals:-

Form 15G:The total income during the financial year should not exceed the basic exemption limit as per Income Tax rules i.e. Rs.2, 50,000/-. If the total income during the financial year exceeds or is likely to exceed Rs. 2, 50,000/- Form 15G cannot be submitted.

Form 15H:If the individual is 60 years but less than 80 years of age, then the total income during the financial year should not exceed the basic exemption limit as per income tax i.e. Rs. 3,00,000/-

If the individual is 80 years of age or more, then the total income during the financial year should not exceed the basic exemption limit as per the income tax i.e. Rs.5,00,000/-.

Eligibility for 15G if in case of persons other than Individuals:

15G can be submitted by a HUF, Association of persons, Body of individuals & Artificial Juridical Persons if the total income during the financial year does not exceed the basic exemption limit as per the income tax i.e. Rs.2, 50,000/-.

Will a certificate be issued by the Company for the Tax deducted at source?

For the Tax deducted at source, Tax deduction certificates in the prescribed form 16A, giving details of the interest remitted to Income Tax Department will be sent on a quarterly basis if the interest on the deposit is paid quarterly.

For the Tax deducted at source (TDS) certificate Form 16A will be generated by the Company through the Tax Information Network (TIN) central system.

In case of salaried person, if the Income Tax is deducted at source from salary, can he /she furnish 15G/15H?

No. As salaried persons are also assesses form 15G/15H cannot be furnished.

Can you open more than one account in the same order of names?

No. All deposits held in the same name, or in the same order of names (in case of joint deposits) are required to be clubbed together for the purpose of Income Tax computation.

Is it sufficient to furnish Form 15G / H once at the time of placing the deposit?

No. Form 15G/H MUST be furnished during renewal of every deposit as also whenever an additional deposit is made during the financial year.

Can a depositor, in case of urgent need of money, withdraw their deposits?

As per Reserve Bank of India directions, no withdrawal of deposit is permitted within three months from the date of Deposit/renewal of Deposit.

Can a withdrawal be made from the deposit after 3 months?

Yes. Premature withdrawal can be made after 3 months from the date of deposit/renewal as per the Directions of Reserve Bank of India and the terms and conditions of the Company.

Can premature proceeds be paid favouring the second/third Depositor?

No. Premature payments will be effected favouring the first depositor only.

Can the Company directly credit the Depositor ' designated bank account?

Yes. The payment can be sent directly to the Depositor's designated bank account available in our records.

Will the Company allow loan against the Deposit?

Loan may be granted against the deposit up to 75% of the deposit amount. Loan can be availed for deposits made within three months from the date of Deposit/Renewal.

The Term Deposit Receipt (TDR) will be under lien and retained by the Company.

However, granting of the loan is at the sole discretion of the Company.

No loan will be granted against Non-Resident Deposits.

What is the rate of interest chargeable for loans?

The loan interest will be charged @ 2% per annum above the contracted rate shown on the Term Deposit Receipt (TDR)

Do you accept Non-Resident Indian (NRI) Deposits?

We accept deposits from NRIs on a non-repatriation basis. Deposits by NRIs are accepted only when the funds originate from their respective NRO Account.

NRI depositors must also submit the following declaration:

The amount deposited with Sundaram Finance Ltd. represents amount transferred from NRO account. Further this amount does not represent inward remittance from overseas to NRO account or transfer of fund from NRE/FCNR(B) account to NRO account.

The depositor has to furnish his NRO bank account number, as both the principal and the interest will be credited to the depositor's NRO bank account. Tax will be deducted at the rates prescribed by the Income Tax rules in force from time to time from the interest amount irrespective of the quantum of interest.

Details of TDS with respect to Non-Resident Deposits

The limit of Rs.5000/-on interest for the purpose of tax is not applicable. Tax rate will be 31.2% as per the current Income Tax rules (Effective 01/04/2018).

Declaration in Form 15G/H for non -deduction of tax at source is not applicable. FATCA (Foreign Account Tax Compliance Act) form must be furnished by the NRI depositor.

The FATCA form is available in the Deposit Application Form or can be downloaded from our website.

How can I renew the Deposit?

The Renewal Application Form together with the Term Deposit Receipt must be sent to us 15 days prior to the maturity of the Term Deposit Receipt bearing the Depositor's signature on the reverse. Deposits can also be renewed online.

What are options for Renewal of a Cumulative Deposit Receipt?

An existing depositor can renew their deposit for either the Principal amount (interest accrued will be repaid) or alternatively the principal amount plus interest.

What are all the transactions that can be done online?

1. Additional Deposit to existing Deposit Account

2. Renewal of Deposit

3. Repayment of Deposit

4. Inclusion/Modification of Bank Details

5. View Interest Details (CIPA)

6. Modification of Registered Mobile Number

7. Submission of Form 15G/H by eligible depositors

Contact details for deposit queries

Please contact our exclusive deposits toll-free number 1800 572 1840 for any queries related to deposits or write to depositshelpdesk@sundaramfinance.in

ಎನ್ಆರ್ಐ ಡಿಪಾಸಿಟ್ಗಳು

ನಾವು NRIಗಳಿಂದ ಡಿಪಾಸಿಟ್ಗಳನ್ನು ಹಿಂದಕ್ಕೆ ಕಳುಹಿಸಲಾಗದ ಆಧಾರದ ಮೇಲೆ ಸ್ವೀಕರಿಸುತ್ತೇವೆ

Click here ಡಿಪಾಸಿಟ್ಗಳನ್ನು ನಿಯಂತ್ರಿಸುವ ನಿಯಮಗಳು ಹಾಗೂ ನಿಬಂಧನೆಗಳನ್ನು ವೀಕ್ಷಿಸಲು ಇಲ್ಲಿ ಕ್ಲಿಕ್ ಮಾಡಿ

x

What types of Deposits are available?

Cumulative as well as Fixed (Regular Income Scheme) Deposits are available.

What is the difference between a Fixed deposit and a Cumulative deposit?

For Fixed Deposits, the interest is payable on either a monthly or quarterly basis.

For Cumulative Deposits, the interest is payable at the time of maturity together with the principal amount invested.

What is the minimum Deposit accepted by the Company?

The minimum deposit for both the Fixed and Cumulative deposit schemes is Rs.10,000/-.

The amount can be placed by Cheque/ Demand Draft / RTGS / NEFT.

Cheques and Demand Drafts may be issued favouring “Sundaram Finance Limited.

RTGS and NEFT Funds Transfer can be done using the bank details given below

Sundaram Finance Limited

ICICI Bank

Nungambakkam Branch

Chennai A/c No – 000905027938

IFSC Code – ICIC0000009

How may I obtain a Deposits Application Form?

Deposit Application Forms are available at all our Branches or can be downloaded from our website

Can a Deposit be placed in the name of a Minor?

Yes. A deposit can be placed in the name of a Minor provided He / She is represented by His / Her Natural or Legal Guardian.

The Deposits Application Form must be signed by the Natural/ Legal Guardian on behalf of the Minor.

All communication in relation to the deposit shall be addressed to the Guardian.

Can a Power of Attorney (POA) holder sign the Deposit Application Form?

Yes, on receipt and verification of the Power Of Attorney by the Company as to its validity in this context.

Are Senior citizens eligible for a higher interest rate?

Yes, Senior citizens are eligible for an additional rate as specified the company time to time.

Can a joint Deposit account be opened?

Yes, a maximum of three people can open a joint Deposit account payable to A or S (Anyone or Survivor) or N or S (Number One or Survivor).

For A or S deposits, the Deposit receipt can be discharged by anyone of the depositors on maturity. However, all the Depositors signatures are required for a Premature Payment or Loan.

For N or S deposits, the Deposit receipt must be discharged by the first Depositor.

What happens if the prevailing interest rates goes up or comes down?

There will be no change. The Company will pay the contracted rate till the maturity of the Deposit Receipt as per the current rules.

When is Income Tax deducted at source from interest?

It is mandatory for the Company to deduct Tax at Source if the estimated annual interest paid /credited on the Deposit exceeds Rs.5000/- during the financial year.

However, those Depositors who are not assessed to Income Tax may furnish a self-declaration in Form 15G or 15H (for Senior Citizens) so that tax is not deducted at source.

What is Form 15G and Form 15H and where do I get it from?

Form 15G and Form 15H (for Senior Citizens) are self- declarations given by those Depositors who are not assessed to Income Tax.

Should the Depositor not be able to sign the Form their left-hand thumb impression will suffice.

The left hand thumb impression must be attested by a Gazetted Officer or Bank Official.

What is the difference between Form 15G and Form 15H?

Declaration in Form 15G can be made by an Individual or a person (not a Company or Partnership / Proprietorship Firm).

A Company or Firm cannot submit declaration in Form 15G or Form 15H. Form 15G is for Resident Individuals below 60 years of age. Form 15H is for Resident Individuals who are Senior Citizens i.e. over 60 years of age

Eligibility for 15G/H if in case of individuals:-

Form 15G:The total income during the financial year should not exceed the basic exemption limit as per Income Tax rules i.e. Rs.2, 50,000/-. If the total income during the financial year exceeds or is likely to exceed Rs. 2, 50,000/- Form 15G cannot be submitted.

Form 15H:If the individual is 60 years but less than 80 years of age, then the total income during the financial year should not exceed the basic exemption limit as per income tax i.e. Rs. 3,00,000/-

If the individual is 80 years of age or more, then the total income during the financial year should not exceed the basic exemption limit as per the income tax i.e. Rs.5,00,000/-.

Eligibility for 15G if in case of persons other than Individuals:

15G can be submitted by a HUF, Association of persons, Body of individuals & Artificial Juridical Persons if the total income during the financial year does not exceed the basic exemption limit as per the income tax i.e. Rs.2, 50,000/-.

Will a certificate be issued by the Company for the Tax deducted at source?

For the Tax deducted at source, Tax deduction certificates in the prescribed form 16A, giving details of the interest remitted to Income Tax Department will be sent on a quarterly basis if the interest on the deposit is paid quarterly.

For the Tax deducted at source (TDS) certificate Form 16A will be generated by the Company through the Tax Information Network (TIN) central system.

In case of salaried person, if the Income Tax is deducted at source from salary, can he /she furnish 15G/15H?

No. As salaried persons are also assesses form 15G/15H cannot be furnished.

Can you open more than one account in the same order of names?

No. All deposits held in the same name, or in the same order of names (in case of joint deposits) are required to be clubbed together for the purpose of Income Tax computation.

Is it sufficient to furnish Form 15G / H once at the time of placing the deposit?

No. Form 15G/H MUST be furnished during renewal of every deposit as also whenever an additional deposit is made during the financial year.

Can a depositor, in case of urgent need of money, withdraw their deposits?

As per Reserve Bank of India directions, no withdrawal of deposit is permitted within three months from the date of Deposit/renewal of Deposit.

Can a withdrawal be made from the deposit after 3 months?

Yes. Premature withdrawal can be made after 3 months from the date of deposit/renewal as per the Directions of Reserve Bank of India and the terms and conditions of the Company.

Can premature proceeds be paid favouring the second/third Depositor?

No. Premature payments will be effected favouring the first depositor only.

Can the Company directly credit the Depositor ' designated bank account?

Yes. The payment can be sent directly to the Depositor's designated bank account available in our records.

Will the Company allow loan against the Deposit?

Loan may be granted against the deposit up to 75% of the deposit amount. Loan can be availed for deposits made within three months from the date of Deposit/Renewal.

The Term Deposit Receipt (TDR) will be under lien and retained by the Company.

However, granting of the loan is at the sole discretion of the Company.

No loan will be granted against Non-Resident Deposits.

What is the rate of interest chargeable for loans?

The loan interest will be charged @ 2% per annum above the contracted rate shown on the Term Deposit Receipt (TDR)

Do you accept Non-Resident Indian (NRI) Deposits?

We accept deposits from NRIs on a non-repatriation basis. Deposits by NRIs are accepted only when the funds originate from their respective NRO Account.

NRI depositors must also submit the following declaration:

The amount deposited with Sundaram Finance Ltd. represents amount transferred from NRO account. Further this amount does not represent inward remittance from overseas to NRO account or transfer of fund from NRE/FCNR(B) account to NRO account.

The depositor has to furnish his NRO bank account number, as both the principal and the interest will be credited to the depositor's NRO bank account. Tax will be deducted at the rates prescribed by the Income Tax rules in force from time to time from the interest amount irrespective of the quantum of interest.

Details of TDS with respect to Non-Resident Deposits

The limit of Rs.5000/-on interest for the purpose of tax is not applicable. Tax rate will be 31.2% as per the current Income Tax rules (Effective 01/04/2018).

Declaration in Form 15G/H for non -deduction of tax at source is not applicable. FATCA (Foreign Account Tax Compliance Act) form must be furnished by the NRI depositor.

The FATCA form is available in the Deposit Application Form or can be downloaded from our website.

How can I renew the Deposit?

The Renewal Application Form together with the Term Deposit Receipt must be sent to us 15 days prior to the maturity of the Term Deposit Receipt bearing the Depositor's signature on the reverse. Deposits can also be renewed online.

What are options for Renewal of a Cumulative Deposit Receipt?

An existing depositor can renew their deposit for either the Principal amount (interest accrued will be repaid) or alternatively the principal amount plus interest.

What are all the transactions that can be done online?

1. Additional Deposit to existing Deposit Account

2. Renewal of Deposit

3. Repayment of Deposit

4. Inclusion/Modification of Bank Details

5. View Interest Details (CIPA)

6. Modification of Registered Mobile Number

7. Submission of Form 15G/H by eligible depositors

Contact details for deposit queries

Please contact our exclusive deposits toll-free number 1800 572 1840 for any queries related to deposits or write to depositshelpdesk@sundaramfinance.in

ಅವಧಿ ಮುಕ್ತಾಯದ ಆಯ್ಕೆಗಳು

ಅವಧಿ ಮುಕ್ತಾಯದ ದಿನಾಂಕದ 15 ದಿನಗಳ ಮುಂಚಿತವಾಗಿ ರಿನ್ಯೂವಲ್‌ ಅಪ್ಲಿಕೇಶನ್‌ ಫಾರ್ಮ್‌ನೊಂದಿಗೆ ಮ್ಯಾಚ್ಯೂರಿಟಿ ಇಂಟಿಮೇಶನ್‌ ಪತ್ರವನ್ನು ಕಳುಹಿಸಲಾಗುತ್ತದೆ.

ಡಿಪಾಸಿಟ್‌ಗಳ ನವೀಕರಣ

ಠೇವಣಿದಾರರು ನವೀಕರಣದ ಫಾರ್ಮ್‌ನೊಂದಿಗೆ ಸರಿಯಾಗಿ ಸಹಿ ಮಾಡಿದ ಆರಿಜಿನಲ್‌ ಡಿಪಾಸಿಟ್‌ ರಿಸಿಟ್‌ ಅನ್ನು ಸಲ್ಲಿಸಬೇಕು. ಮೆಚ್ಯೂರಿಟಿ ದಿನಾಂಕದಿಂದ 2 ತಿಂಗಳಗಳೊಳಗೆ ನವೀಕರಣ ಸೂಚನೆಗಳನ್ನು ಪಡೆದರೆ ಮಾತ್ರ ಮ್ಯಾಚ್ಯೂರಿಟಿ ದಿನಾಂಕದಿಂದ ಡಿಪಾಸಿಟ್‌ ಅನ್ನು ನವೀಕರಿಸಬಹುದು.ಇಲ್ಲದಿದ್ದರೆ, ಅದನ್ನು ನಿರೀಕ್ಷಿತವಾಗಿ ನವೀಕರಿಸಲಾಗುತ್ತದೆ. ಸಾಲದೊಂದಿಗೆ ನವೀಕರಣವು ಸಾಧ್ಯವಿಲ್ಲ. ಸಾಲವನ್ನು ಮ್ಯಾಚ್ಯುರಿಟಿ ದಿನಾಂಕದಂದು ಡಿಪಾಸಿಟ್‌[ಠೇವಣಿ] ಮೌಲ್ಯದ ಎದುರು ಸರಿಹೊಂದಿಸಬೇಕು.

ಮ್ಯಾಚ್ಯೂರಿಟಿ ಪಾವತಿ

ಮರುಪಾವತಿಯ ಸಂದರ್ಭದಲ್ಲಿ, ಠೇವಣಿದಾರರು ಬ್ಯಾಂಕ್‌ ಅಕೌಂಟ್‌ ವಿವರಗಳನ್ನು ಒಳಗೊಂಡಿರುವ ಚೆಕ್‌ ಲೀಫ್‌ನ ಪ್ರತಿಯೊಂದಿಗೆ ಮರುಪಾವತಿಗಾಗಿ ಸೂಚನೆಗಳೊಂದಿಗೆ ರೆವಿನ್ಯೂ ಸ್ಟ್ಯಾಂಪ್‌ ಅನ್ನು ಅಂಟಿಸುವುದರೊಂದಿಗೆ ಟಿಡಿಆರ್‌ನ ಹಿಂಭಾಗದಲ್ಲಿ ಸಹಿಮಾಡಬೇಕು.

ಮ್ಯಾಚ್ಯೂರಿಟಿ ಆಯ್ಕೆಗಳು

ಮ್ಯಾಚ್ಯುರಿಟಿಯ ನಂತರ , ಠೇವಣಿದಾರರು ಆಯ್ಕೆಮಾಡಿಕೊಳ್ಳಬಹುದು :

  • ಮ್ಯಾಚ್ಯೂರಿಟಿ ಮೊತ್ತದ ಪಾವತಿ
  • ಮ್ಯಾಚ್ಯೂರಿಟಿ ಮೊತ್ತದ ನವೀಕರಣ
  • ರೂ. 1000/-ದ ಅಪವರ್ತ್ಯಗಳಿಗಾಗಿ ನವೀಕರಣ [ ಠೇವಣಿ ಖಾತೆಯಲ್ಲಿ ರೂ.10,000/-ದ ಕನಿಷ್ಠ ಶಿಲ್ಕಿಗೆ ಒಳಪಟ್ಟಿರುತ್ತದೆ]. ಉದಾ; ರೂ. 10,720 ಅನ್ನು ರೂ. 11 ಸಾವಿರದವರೆಗೆ ಹೆಚ್ಚಿಸಿ ಪೂರ್ಣಗೊಳಿಸಬಹುದು ಅಥವಾ 10,000ಕ್ಕೆ ಇಳಿಸಿ ಪೂರ್ಣಗೊಳಿಸಬಹುದು.

ಡಿಪಾಸಿಟ್ ರಿಸೀಟ್ನ ಡಿಶ್ಚಾರ್ಜ್

ಸನ್ನಿವೇಶ ಎನಿಒನ್‌ ಅಥವಾ ಸರ್ವೈವರ್‌ [ಯಾರಾದರು ಅಥವಾ ಬದುಕುಳಿದವರು] ಎ ಅಥವಾ ಎಸ್‌ ನಂಬರ್‌ ಒನ್‌ ಅಥವಾ ಸರ್ವೈವರ್‌ ಅಥವಾ ಎಸ್‌
ಮ್ಯಾಚ್ಯೂರಿಟಿಯ ನಂತರ ನಿಯಮಿತ ಪಾವತಿ ಠೇವಣಿದಾರರಲ್ಲಿ ಯಾರಾದರೂ ಸಹಿ ಮಾಡಬಹುದು ಮೊದಲ ಠೇವಣಿದಾರ ಮಾತ್ರ ಸಹಿ ಮಾಡಬಹುದು

ನಾಮಿನೇಷನ್‌ [ನಾಮನಿರ್ದೇಶನ]

ಠೇವಣಿದಾರರ ಮರಣದ ಸಂದರ್ಭದಲ್ಲಿ ಸಂಬಂಧಪಟ್ಟ ಕಾಗದಪತ್ರಗಳನ್ನು ಸಲ್ಲಿಸಿದ ನಂತರ ಕಂಪನಿಯ ಠೇವಣಿಯನ್ನು ಹಿಂತಿರುಗಿಸಬಹುದಾದ ಒಬ್ಬ ವ್ಯಕ್ತಿಯನ್ನು [ ಡಿಪಾಸಿಟ್‌ ಅಕೌಂಟ್‌ಗಾಗಿ ] ನಾಮನಿರ್ದೇಶನ ಮಾಡಲು ಅನುಮತಿಸಲಾಗಿರುತ್ತದೆ.

ನಾಮಿನೇಶನ್‌ [ನಾಮನಿರ್ದೇಶನದ] ವಿವರಗಳು ಡಿಪಾಸಿಟ್‌ ಅಪ್ಲಿಕೇಶನ್‌ ಫಾರ್ಮ್‌ನ ಪುಟ 8ರಲ್ಲಿ ಲಭ್ಯವಿರುತ್ತವೆ. ಠೇವಣಿದಾರರು ಠೇವಣಿಯ ಅವಧಿಯ ಸಮಯದಲ್ಲಿ ನಾಮಿನಿಯನ್ನು ಸೇರಿಸಲು ಬಯಸಿದರೆ ನಾಮಿನೇಶನ್‌ ಫಾರ್ಮ್‌ಗಾಗಿ ಕಂಪನಿಯನ್ನು ಸಂಪರ್ಕಿಸಬಹುದು. ಡೌನ್‌ಲೋಡ್‌ ಮಾಡಲು ಕ್ಲಿಕ್‌ ಮಾಡಿ. Click to download

ಅವಧಿಪೂರ್ವ ಪಾವತಿ ಹಾಗೂ ಸಾಲಗಳು

ಠೇವಣಿ ರಸೀದಿಯ ಸಲ್ಲಿಕೆ

ಸನ್ನಿವೇಶ ಎನಿಒನ್‌ ಅಥವಾ ಸರ್ವೈವರ್‌ ಎ ಅಥವಾ ಎಸ್‌ ನಂಬರ್‌ ಒನ್‌ ಅಥವಾ ಸರ್ವೈವರ್‌ ಎನ್‌ ಅಥವಾ ಎಸ್‌
ಅವಧಿಗೆ ಮುನ್ನ ಪಾವತಿ ಎಲ್ಲಾ ಠೇವಣಿದಾರರು ಸಹಿ ಮಾಡಬಹುದು ಮೊದಲ ಠೇವಣಿದಾರ ಮಾತ್ರ ಸಹಿ ಮಾಡಬಹುದು

ಪ್ರಿಮ್ಯಾಚ್ಯೂರ್‌ ಪೇಮೆಂಟ್ಸ [ಪಿಎಮ್‌ಪಿ] ವಿಥ್‌ಡ್ರಾವಲ್‌

ಕಂಪನಿಯು ತನ್ನ ಸ್ವವಿವೇಚನೆಯಲ್ಲಿ, ಮ್ಯಾಚ್ಯೂರಿಟಿಯ [ಅವಧಿ ಮುಕ್ತಾಯದ]ಮೊದಲು ಠೇವಣಿಗಳನ್ನು ಹಿಂಪಡೆಯಲು, ಅನುಮತಿಸುವ ಹಕ್ಕನ್ನು ಕಾಯ್ದಿರಿಸಿಕೊಂಡಿರುತ್ತದೆ. ಠೇವಣಿಯನ್ನು ಅವಧಿಗೆ ಮುನ್ನ ಹಿಂಪಡೆಯಲು ಅನುಮತಿಸಿದರೆ ಸಂಬಂಧಪಟ್ಟ ಠೇವಣಿಯ ರಸಿದಿಯನ್ನು A ಅಥವಾ S/s ಠೇವಣಿಯ ಸಂದರ್ಭದಲ್ಲಿ ಎಲ್ಲಾ ಠೇವಣಿದಾರರಿಗೆ ಹಾಗೂ N ಅಥವಾ S/sಠೇವಣಿಯ ಸಂದರ್ಭದಲ್ಲಿ ಮೊದಲು ಹೆಸರಿಸಿದ ಠೇವಣಿದಾರರಿಗೆ ಸಲ್ಲಿಸಬೇಕು.


ಪ್ರಸ್ತುತ ಜಾರಿಯಲ್ಲಿರುವ ಆರ್‌ಬಿಐ ಡೈರೆಕ್ಷನ್‌ಗಳ ಪ್ರಕಾರ :

3 ತಿಂಗಳುಗಳ ಅವಧಿ ಮುಗಿಯುವ ಮೊದಲು ಪಿಎಮ್‌ಪಿ ಯಾವುದೇ ಪಾವತಿ ಇಲ್ಲ**
3 ತಿಂಗಳುಗಳ ನಂತರ ಆದರೆ 6 ತಿಂಗಳುಗಳ ಮೊದಲು ಪಿಎಮ್‌ಪಿ ಯಾವುದೇ ಬಡ್ಡಿ ಇಲ್ಲ*
6 ತಿಂಗಳುಗಳ ನಂತರ ಆದರೆ 12 ತಿಂಗಳುಗಳ ಮೊದಲು ಪಿಎಮ್‌ಪಿ ಠೇವಣಿಯ ಸಮಯದಲ್ಲಿ ಒಂದು ವರ್ಷದ ದರಕ್ಕಿಂತ 3% ಕಡಿಮೆ
12 ತಿಂಗಳುಗಳ ನಂತರ ಆದರೆ 24 ತಿಂಗಳುಗಳ ಮೊದಲು ಪಿಎಮ್‌ಪಿ ಠೇವಣಿಯ ಸಮಯದಲ್ಲಿ ಒಂದು ವರ್ಷದ ದರಕ್ಕಿಂತ 2% ಕಡಿಮೆ
24 ತಿಂಗಳುಗಳ ನಂತರ ಆದರೆ 36 ತಿಂಗಳುಗಳ ಮೊದಲು ಪಿಎಮ್‌ಪಿ ಠೇವಣಿಯ ಸಮಯದಲ್ಲಿ ಎರಡು ವರ್ಷದ ದರಕ್ಕಿಂತ 2% ಕಡಿಮೆ

**ಠೇವಣಿದಾರರ ಮರಣದ ಸಂದರ್ಭದಲ್ಲಿ ಬಡ್ಡಿಯಿಲ್ಲದೆ ಅವಧಿಗೆ ಮುನ್ನ ಪಾವತಿಯನ್ನು ಮಾಡಬಹುದು

ಠೇವಣಿಗಳ ಮೇಲೆ ಸಾಲ

ಕಂಪನಿಯು ತನ್ನ ಸ್ವವಿವೇಚನೆಯಲ್ಲಿ, ಠೇವಣಿಗಳ ಮೇಲೆ ಸಾಲವನ್ನು ನೀಡಬಹುದು, ಠೇವಣಿಯು ಕನಿಷ್ಠ 3 ತಿಂಗಳ ಅವಧಿಗಾಗಿ ಠೇವಣಿಮೊತ್ತದ 75%ವರೆಗೆ ರನ್‌ ಆಗಿದ್ದರೆ, ಅಂತಹ ಠೇವಣಿಗಳ ಮೇಲೆ ಪಾವತಿಸಬೇಕಾದ ಒಪ್ಪಂದದ ದರಕ್ಕಿಂತ [ಟಿಡಿಆರ್‌ನ ಅದೇ ದರದಲ್ಲಿ ಚಕ್ರಬಡ್ಡಿ] 2% ಹೆಚ್ಚು ಬಡ್ಡಿಯನ್ನು ಹೊರುತ್ತದೆ. ಸಂಬಂಧಿಸಿದ ಅವಧಿ ಠೇವಣಿ ರಸೀದಿ ಹಾಗೂ ಸಾಲದ ಡಾಕ್ಯುಮೆಂಟ್‌ಗಳನ್ನು A ಅಥವಾ S/sಖಾತೆಗಳ ಸಂದರ್ಭದಲ್ಲಿ ಎರಡೂ/ಎಲ್ಲಾ ಠೇವಣಿದಾರರಿಂದ ಹಾಗೂ N ಅಥವಾ S/s ಖಾತೆಗಳ ಸಂದರ್ಭದಲ್ಲಿ ಮೊದಲ ಠೇವಣಿದಾರರಿಂದ ಸಹಿಮಾಡಿರಬೇಕು. ಸಾಲಗಳಿಗಾಗಿ ಚೆಕ್‌/ಡಿಡಿಯನ್ನು ಮೊದಲ ಠೇವಣಿದಾರರ ಪರವಾಗಿ ಮಾತ್ರ ತೆಗೆದುಕೊಳ್ಳಲಾಗುತ್ತದೆ.

ಸಾಲದ ಅಸಲು ಹಾಗೂ ಸಾಲದ ಬಡ್ಡಿಯನ್ನು ಹೊಂದಾಣಿಕೆ ಮಾಡಿದ ನಂತರ ಬಾಕಿ ಮೊತ್ತಕ್ಕಾಗಿ[ ಕನಿಷ್ಟ ರೂ. 10,000ಕ್ಕೆ ಒಳಪಟ್ಟಿರುತ್ತದೆ] ಮ್ಯಾಚ್ಯುರಿಟಿಯ ಮೊದಲು ಒಂದು ವಾರದೊಳಗೆ ನವೀಕರಣದ ಸೂಚನೆಗಳನ್ನು ಸ್ವೀಕರಿಸದಿದ್ದರೆ, ಮ್ಯಾಚ್ಯುರಿಟಿ ಪಾವತಿಯನ್ನು ಮ್ಯಾಚ್ಯೂರಿಟಿಯ ನಂತರ ಮಾಡಲಾಗುವುದು.

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247.507.257.307.006.786.82
367.507.257.307.006.786.82

* കുറഞ്ഞ നിക്ഷേപം രൂ. 10,000/- പ്രതി അക്കൗണ്ടിന്
* കാലാവധി പൂർത്തിയാകുന്നതുവരെ നിലവിലുള്ള നിക്ഷേപങ്ങളുടെ പലിശ നിരക്ക് മാറ്റമില്ലാതെ തുടരും
** നിക്ഷേപിക്കുന്ന/പുതുക്കുന്ന തീയതിയിൽ 60 വയസ്സ് പൂർത്തിയായി

x

What types of Deposits are available?

Cumulative as well as Fixed (Regular Income Scheme) Deposits are available.

What is the difference between a Fixed deposit and a Cumulative deposit?

For Fixed Deposits, the interest is payable on either a monthly or quarterly basis.

For Cumulative Deposits, the interest is payable at the time of maturity together with the principal amount invested.

What is the minimum Deposit accepted by the Company?

The minimum deposit for both the Fixed and Cumulative deposit schemes is Rs.10,000/-.

The amount can be placed by Cheque/ Demand Draft / RTGS / NEFT.

Cheques and Demand Drafts may be issued favouring “Sundaram Finance Limited.

RTGS and NEFT Funds Transfer can be done using the bank details given below

Sundaram Finance Limited

ICICI Bank

Nungambakkam Branch

Chennai A/c No – 000905027938

IFSC Code – ICIC0000009

How may I obtain a Deposits Application Form?

Deposit Application Forms are available at all our Branches or can be downloaded from our website

Can a Deposit be placed in the name of a Minor?

Yes. A deposit can be placed in the name of a Minor provided He / She is represented by His / Her Natural or Legal Guardian.

The Deposits Application Form must be signed by the Natural/ Legal Guardian on behalf of the Minor.

All communication in relation to the deposit shall be addressed to the Guardian.

Can a Power of Attorney (POA) holder sign the Deposit Application Form?

Yes, on receipt and verification of the Power Of Attorney by the Company as to its validity in this context.

Are Senior citizens eligible for a higher interest rate?

Yes, Senior citizens are eligible for an additional rate as specified the company time to time.

Can a joint Deposit account be opened?

Yes, a maximum of three people can open a joint Deposit account payable to A or S (Anyone or Survivor) or N or S (Number One or Survivor).

For A or S deposits, the Deposit receipt can be discharged by anyone of the depositors on maturity. However, all the Depositors signatures are required for a Premature Payment or Loan.

For N or S deposits, the Deposit receipt must be discharged by the first Depositor.

What happens if the prevailing interest rates goes up or comes down?

There will be no change. The Company will pay the contracted rate till the maturity of the Deposit Receipt as per the current rules.

When is Income Tax deducted at source from interest?

It is mandatory for the Company to deduct Tax at Source if the estimated annual interest paid /credited on the Deposit exceeds Rs.5000/- during the financial year.

However, those Depositors who are not assessed to Income Tax may furnish a self-declaration in Form 15G or 15H (for Senior Citizens) so that tax is not deducted at source.

What is Form 15G and Form 15H and where do I get it from?

Form 15G and Form 15H (for Senior Citizens) are self- declarations given by those Depositors who are not assessed to Income Tax.

Should the Depositor not be able to sign the Form their left-hand thumb impression will suffice.

The left hand thumb impression must be attested by a Gazetted Officer or Bank Official.

What is the difference between Form 15G and Form 15H?

Declaration in Form 15G can be made by an Individual or a person (not a Company or Partnership / Proprietorship Firm).

A Company or Firm cannot submit declaration in Form 15G or Form 15H. Form 15G is for Resident Individuals below 60 years of age. Form 15H is for Resident Individuals who are Senior Citizens i.e. over 60 years of age

Eligibility for 15G/H if in case of individuals:-

Form 15G:The total income during the financial year should not exceed the basic exemption limit as per Income Tax rules i.e. Rs.2, 50,000/-. If the total income during the financial year exceeds or is likely to exceed Rs. 2, 50,000/- Form 15G cannot be submitted.

Form 15H:If the individual is 60 years but less than 80 years of age, then the total income during the financial year should not exceed the basic exemption limit as per income tax i.e. Rs. 3,00,000/-

If the individual is 80 years of age or more, then the total income during the financial year should not exceed the basic exemption limit as per the income tax i.e. Rs.5,00,000/-.

Eligibility for 15G if in case of persons other than Individuals:

15G can be submitted by a HUF, Association of persons, Body of individuals & Artificial Juridical Persons if the total income during the financial year does not exceed the basic exemption limit as per the income tax i.e. Rs.2, 50,000/-.

Will a certificate be issued by the Company for the Tax deducted at source?

For the Tax deducted at source, Tax deduction certificates in the prescribed form 16A, giving details of the interest remitted to Income Tax Department will be sent on a quarterly basis if the interest on the deposit is paid quarterly.

For the Tax deducted at source (TDS) certificate Form 16A will be generated by the Company through the Tax Information Network (TIN) central system.

In case of salaried person, if the Income Tax is deducted at source from salary, can he /she furnish 15G/15H?

No. As salaried persons are also assesses form 15G/15H cannot be furnished.

Can you open more than one account in the same order of names?

No. All deposits held in the same name, or in the same order of names (in case of joint deposits) are required to be clubbed together for the purpose of Income Tax computation.

Is it sufficient to furnish Form 15G / H once at the time of placing the deposit?

No. Form 15G/H MUST be furnished during renewal of every deposit as also whenever an additional deposit is made during the financial year.

Can a depositor, in case of urgent need of money, withdraw their deposits?

As per Reserve Bank of India directions, no withdrawal of deposit is permitted within three months from the date of Deposit/renewal of Deposit.

Can a withdrawal be made from the deposit after 3 months?

Yes. Premature withdrawal can be made after 3 months from the date of deposit/renewal as per the Directions of Reserve Bank of India and the terms and conditions of the Company.

Can premature proceeds be paid favouring the second/third Depositor?

No. Premature payments will be effected favouring the first depositor only.

Can the Company directly credit the Depositor ' designated bank account?

Yes. The payment can be sent directly to the Depositor's designated bank account available in our records.

Will the Company allow loan against the Deposit?

Loan may be granted against the deposit up to 75% of the deposit amount. Loan can be availed for deposits made within three months from the date of Deposit/Renewal.

The Term Deposit Receipt (TDR) will be under lien and retained by the Company.

However, granting of the loan is at the sole discretion of the Company.

No loan will be granted against Non-Resident Deposits.

What is the rate of interest chargeable for loans?

The loan interest will be charged @ 2% per annum above the contracted rate shown on the Term Deposit Receipt (TDR)

Do you accept Non-Resident Indian (NRI) Deposits?

We accept deposits from NRIs on a non-repatriation basis. Deposits by NRIs are accepted only when the funds originate from their respective NRO Account.

NRI depositors must also submit the following declaration:

The amount deposited with Sundaram Finance Ltd. represents amount transferred from NRO account. Further this amount does not represent inward remittance from overseas to NRO account or transfer of fund from NRE/FCNR(B) account to NRO account.

The depositor has to furnish his NRO bank account number, as both the principal and the interest will be credited to the depositor's NRO bank account. Tax will be deducted at the rates prescribed by the Income Tax rules in force from time to time from the interest amount irrespective of the quantum of interest.

Details of TDS with respect to Non-Resident Deposits

The limit of Rs.5000/-on interest for the purpose of tax is not applicable. Tax rate will be 31.2% as per the current Income Tax rules (Effective 01/04/2018).

Declaration in Form 15G/H for non -deduction of tax at source is not applicable. FATCA (Foreign Account Tax Compliance Act) form must be furnished by the NRI depositor.

The FATCA form is available in the Deposit Application Form or can be downloaded from our website.

How can I renew the Deposit?

The Renewal Application Form together with the Term Deposit Receipt must be sent to us 15 days prior to the maturity of the Term Deposit Receipt bearing the Depositor's signature on the reverse. Deposits can also be renewed online.

What are options for Renewal of a Cumulative Deposit Receipt?

An existing depositor can renew their deposit for either the Principal amount (interest accrued will be repaid) or alternatively the principal amount plus interest.

What are all the transactions that can be done online?

1. Additional Deposit to existing Deposit Account

2. Renewal of Deposit

3. Repayment of Deposit

4. Inclusion/Modification of Bank Details

5. View Interest Details (CIPA)

6. Modification of Registered Mobile Number

7. Submission of Form 15G/H by eligible depositors

Contact details for deposit queries

Please contact our exclusive deposits toll-free number 1800 572 1840 for any queries related to deposits or write to depositshelpdesk@sundaramfinance.in

ക്യൂമുലേറ്റീവ് ഡിപ്പോസിറ്റുകൾ

ഇത് മെച്യൂരിറ്റിയിൽ മുതലിനൊപ്പം സമാഹരിച്ച പലിശ നൽകേണ്ട നിക്ഷേപമാണ്

ക്യൂമുലേറ്റീവ് ഡിപ്പോസിറ്റുകൾ - പലിശ നിരക്കുകൾ
(effective July 01, 2025)

മുതിർന്ന പൗരൻ** മറ്റുള്ളവ
കാലാവധി (മാസങ്ങളും ദിവസങ്ങളും) നിരക്ക് വാർഷിക കണക്കിൽ %
ഫലപ്രദമായ ആദായം % പ്ര.വ. നിരക്ക് വാർഷിക കണക്കിൽ % ഫലപ്രദമായ ആദായം % പ്ര.വ.
12 7.20
7.20 6.70 6.70
24 7.50
7.80 7.00 7.25
36 7.50
8.07 7.00 7.50

* കുറഞ്ഞ നിക്ഷേപം രൂ. 10,000/- പ്രതി അക്കൗണ്ടിന്
* കാലാവധി പൂർത്തിയാകുന്നതുവരെ നിലവിലുള്ള നിക്ഷേപങ്ങളുടെ പലിശ നിരക്ക് മാറ്റമില്ലാതെ തുടരും
**നിക്ഷേപിക്കുന്ന/പുതുക്കുന്ന തീയതിയിൽ 60 വയസ്സ് പൂർത്തിയായി

x

What types of Deposits are available?

Cumulative as well as Fixed (Regular Income Scheme) Deposits are available.

What is the difference between a Fixed deposit and a Cumulative deposit?

For Fixed Deposits, the interest is payable on either a monthly or quarterly basis.

For Cumulative Deposits, the interest is payable at the time of maturity together with the principal amount invested.

What is the minimum Deposit accepted by the Company?

The minimum deposit for both the Fixed and Cumulative deposit schemes is Rs.10,000/-.

The amount can be placed by Cheque/ Demand Draft / RTGS / NEFT.

Cheques and Demand Drafts may be issued favouring “Sundaram Finance Limited.

RTGS and NEFT Funds Transfer can be done using the bank details given below

Sundaram Finance Limited

ICICI Bank

Nungambakkam Branch

Chennai A/c No – 000905027938

IFSC Code – ICIC0000009

How may I obtain a Deposits Application Form?

Deposit Application Forms are available at all our Branches or can be downloaded from our website

Can a Deposit be placed in the name of a Minor?

Yes. A deposit can be placed in the name of a Minor provided He / She is represented by His / Her Natural or Legal Guardian.

The Deposits Application Form must be signed by the Natural/ Legal Guardian on behalf of the Minor.

All communication in relation to the deposit shall be addressed to the Guardian.

Can a Power of Attorney (POA) holder sign the Deposit Application Form?

Yes, on receipt and verification of the Power Of Attorney by the Company as to its validity in this context.

Are Senior citizens eligible for a higher interest rate?

Yes, Senior citizens are eligible for an additional rate as specified the company time to time.

Can a joint Deposit account be opened?

Yes, a maximum of three people can open a joint Deposit account payable to A or S (Anyone or Survivor) or N or S (Number One or Survivor).

For A or S deposits, the Deposit receipt can be discharged by anyone of the depositors on maturity. However, all the Depositors signatures are required for a Premature Payment or Loan.

For N or S deposits, the Deposit receipt must be discharged by the first Depositor.

What happens if the prevailing interest rates goes up or comes down?

There will be no change. The Company will pay the contracted rate till the maturity of the Deposit Receipt as per the current rules.

When is Income Tax deducted at source from interest?

It is mandatory for the Company to deduct Tax at Source if the estimated annual interest paid /credited on the Deposit exceeds Rs.5000/- during the financial year.

However, those Depositors who are not assessed to Income Tax may furnish a self-declaration in Form 15G or 15H (for Senior Citizens) so that tax is not deducted at source.

What is Form 15G and Form 15H and where do I get it from?

Form 15G and Form 15H (for Senior Citizens) are self- declarations given by those Depositors who are not assessed to Income Tax.

Should the Depositor not be able to sign the Form their left-hand thumb impression will suffice.

The left hand thumb impression must be attested by a Gazetted Officer or Bank Official.

What is the difference between Form 15G and Form 15H?

Declaration in Form 15G can be made by an Individual or a person (not a Company or Partnership / Proprietorship Firm).

A Company or Firm cannot submit declaration in Form 15G or Form 15H. Form 15G is for Resident Individuals below 60 years of age. Form 15H is for Resident Individuals who are Senior Citizens i.e. over 60 years of age

Eligibility for 15G/H if in case of individuals:-

Form 15G:The total income during the financial year should not exceed the basic exemption limit as per Income Tax rules i.e. Rs.2, 50,000/-. If the total income during the financial year exceeds or is likely to exceed Rs. 2, 50,000/- Form 15G cannot be submitted.

Form 15H:If the individual is 60 years but less than 80 years of age, then the total income during the financial year should not exceed the basic exemption limit as per income tax i.e. Rs. 3,00,000/-

If the individual is 80 years of age or more, then the total income during the financial year should not exceed the basic exemption limit as per the income tax i.e. Rs.5,00,000/-.

Eligibility for 15G if in case of persons other than Individuals:

15G can be submitted by a HUF, Association of persons, Body of individuals & Artificial Juridical Persons if the total income during the financial year does not exceed the basic exemption limit as per the income tax i.e. Rs.2, 50,000/-.

Will a certificate be issued by the Company for the Tax deducted at source?

For the Tax deducted at source, Tax deduction certificates in the prescribed form 16A, giving details of the interest remitted to Income Tax Department will be sent on a quarterly basis if the interest on the deposit is paid quarterly.

For the Tax deducted at source (TDS) certificate Form 16A will be generated by the Company through the Tax Information Network (TIN) central system.

In case of salaried person, if the Income Tax is deducted at source from salary, can he /she furnish 15G/15H?

No. As salaried persons are also assesses form 15G/15H cannot be furnished.

Can you open more than one account in the same order of names?

No. All deposits held in the same name, or in the same order of names (in case of joint deposits) are required to be clubbed together for the purpose of Income Tax computation.

Is it sufficient to furnish Form 15G / H once at the time of placing the deposit?

No. Form 15G/H MUST be furnished during renewal of every deposit as also whenever an additional deposit is made during the financial year.

Can a depositor, in case of urgent need of money, withdraw their deposits?

As per Reserve Bank of India directions, no withdrawal of deposit is permitted within three months from the date of Deposit/renewal of Deposit.

Can a withdrawal be made from the deposit after 3 months?

Yes. Premature withdrawal can be made after 3 months from the date of deposit/renewal as per the Directions of Reserve Bank of India and the terms and conditions of the Company.

Can premature proceeds be paid favouring the second/third Depositor?

No. Premature payments will be effected favouring the first depositor only.

Can the Company directly credit the Depositor ' designated bank account?

Yes. The payment can be sent directly to the Depositor's designated bank account available in our records.

Will the Company allow loan against the Deposit?

Loan may be granted against the deposit up to 75% of the deposit amount. Loan can be availed for deposits made within three months from the date of Deposit/Renewal.

The Term Deposit Receipt (TDR) will be under lien and retained by the Company.

However, granting of the loan is at the sole discretion of the Company.

No loan will be granted against Non-Resident Deposits.

What is the rate of interest chargeable for loans?

The loan interest will be charged @ 2% per annum above the contracted rate shown on the Term Deposit Receipt (TDR)

Do you accept Non-Resident Indian (NRI) Deposits?

We accept deposits from NRIs on a non-repatriation basis. Deposits by NRIs are accepted only when the funds originate from their respective NRO Account.

NRI depositors must also submit the following declaration:

The amount deposited with Sundaram Finance Ltd. represents amount transferred from NRO account. Further this amount does not represent inward remittance from overseas to NRO account or transfer of fund from NRE/FCNR(B) account to NRO account.

The depositor has to furnish his NRO bank account number, as both the principal and the interest will be credited to the depositor's NRO bank account. Tax will be deducted at the rates prescribed by the Income Tax rules in force from time to time from the interest amount irrespective of the quantum of interest.

Details of TDS with respect to Non-Resident Deposits

The limit of Rs.5000/-on interest for the purpose of tax is not applicable. Tax rate will be 31.2% as per the current Income Tax rules (Effective 01/04/2018).

Declaration in Form 15G/H for non -deduction of tax at source is not applicable. FATCA (Foreign Account Tax Compliance Act) form must be furnished by the NRI depositor.

The FATCA form is available in the Deposit Application Form or can be downloaded from our website.

How can I renew the Deposit?

The Renewal Application Form together with the Term Deposit Receipt must be sent to us 15 days prior to the maturity of the Term Deposit Receipt bearing the Depositor's signature on the reverse. Deposits can also be renewed online.

What are options for Renewal of a Cumulative Deposit Receipt?

An existing depositor can renew their deposit for either the Principal amount (interest accrued will be repaid) or alternatively the principal amount plus interest.

What are all the transactions that can be done online?

1. Additional Deposit to existing Deposit Account

2. Renewal of Deposit

3. Repayment of Deposit

4. Inclusion/Modification of Bank Details

5. View Interest Details (CIPA)

6. Modification of Registered Mobile Number

7. Submission of Form 15G/H by eligible depositors

Contact details for deposit queries

Please contact our exclusive deposits toll-free number 1800 572 1840 for any queries related to deposits or write to depositshelpdesk@sundaramfinance.in

എൻ.ആർ.ഐ. ഡിപ്പോസിറ്റുകൾ

ഞങ്ങൾ എൻ.ആർ.ഐ.കളിൽ നിന്ന് നോൺ-റീപാട്രിയബിൾ അടിസ്ഥാനത്തിൽ നിക്ഷേപങ്ങൾ സ്വീകരിക്കുന്നു

Click here എൻ.ആർ.ഐ. നിക്ഷേപങ്ങളെ നിയന്ത്രിക്കുന്ന നിബന്ധനകളും വ്യവസ്ഥകളും കാണുന്നതിന് ഇവിടെ ക്ലിക്ക് ചെയ്യുക

x

What types of Deposits are available?

Cumulative as well as Fixed (Regular Income Scheme) Deposits are available.

What is the difference between a Fixed deposit and a Cumulative deposit?

For Fixed Deposits, the interest is payable on either a monthly or quarterly basis.

For Cumulative Deposits, the interest is payable at the time of maturity together with the principal amount invested.

What is the minimum Deposit accepted by the Company?

The minimum deposit for both the Fixed and Cumulative deposit schemes is Rs.10,000/-.

The amount can be placed by Cheque/ Demand Draft / RTGS / NEFT.

Cheques and Demand Drafts may be issued favouring “Sundaram Finance Limited.

RTGS and NEFT Funds Transfer can be done using the bank details given below

Sundaram Finance Limited

ICICI Bank

Nungambakkam Branch

Chennai A/c No – 000905027938

IFSC Code – ICIC0000009

How may I obtain a Deposits Application Form?

Deposit Application Forms are available at all our Branches or can be downloaded from our website

Can a Deposit be placed in the name of a Minor?

Yes. A deposit can be placed in the name of a Minor provided He / She is represented by His / Her Natural or Legal Guardian.

The Deposits Application Form must be signed by the Natural/ Legal Guardian on behalf of the Minor.

All communication in relation to the deposit shall be addressed to the Guardian.

Can a Power of Attorney (POA) holder sign the Deposit Application Form?

Yes, on receipt and verification of the Power Of Attorney by the Company as to its validity in this context.

Are Senior citizens eligible for a higher interest rate?

Yes, Senior citizens are eligible for an additional rate as specified the company time to time.

Can a joint Deposit account be opened?

Yes, a maximum of three people can open a joint Deposit account payable to A or S (Anyone or Survivor) or N or S (Number One or Survivor).

For A or S deposits, the Deposit receipt can be discharged by anyone of the depositors on maturity. However, all the Depositors signatures are required for a Premature Payment or Loan.

For N or S deposits, the Deposit receipt must be discharged by the first Depositor.

What happens if the prevailing interest rates goes up or comes down?

There will be no change. The Company will pay the contracted rate till the maturity of the Deposit Receipt as per the current rules.

When is Income Tax deducted at source from interest?

It is mandatory for the Company to deduct Tax at Source if the estimated annual interest paid /credited on the Deposit exceeds Rs.5000/- during the financial year.

However, those Depositors who are not assessed to Income Tax may furnish a self-declaration in Form 15G or 15H (for Senior Citizens) so that tax is not deducted at source.

What is Form 15G and Form 15H and where do I get it from?

Form 15G and Form 15H (for Senior Citizens) are self- declarations given by those Depositors who are not assessed to Income Tax.

Should the Depositor not be able to sign the Form their left-hand thumb impression will suffice.

The left hand thumb impression must be attested by a Gazetted Officer or Bank Official.

What is the difference between Form 15G and Form 15H?

Declaration in Form 15G can be made by an Individual or a person (not a Company or Partnership / Proprietorship Firm).

A Company or Firm cannot submit declaration in Form 15G or Form 15H. Form 15G is for Resident Individuals below 60 years of age. Form 15H is for Resident Individuals who are Senior Citizens i.e. over 60 years of age

Eligibility for 15G/H if in case of individuals:-

Form 15G:The total income during the financial year should not exceed the basic exemption limit as per Income Tax rules i.e. Rs.2, 50,000/-. If the total income during the financial year exceeds or is likely to exceed Rs. 2, 50,000/- Form 15G cannot be submitted.

Form 15H:If the individual is 60 years but less than 80 years of age, then the total income during the financial year should not exceed the basic exemption limit as per income tax i.e. Rs. 3,00,000/-

If the individual is 80 years of age or more, then the total income during the financial year should not exceed the basic exemption limit as per the income tax i.e. Rs.5,00,000/-.

Eligibility for 15G if in case of persons other than Individuals:

15G can be submitted by a HUF, Association of persons, Body of individuals & Artificial Juridical Persons if the total income during the financial year does not exceed the basic exemption limit as per the income tax i.e. Rs.2, 50,000/-.

Will a certificate be issued by the Company for the Tax deducted at source?

For the Tax deducted at source, Tax deduction certificates in the prescribed form 16A, giving details of the interest remitted to Income Tax Department will be sent on a quarterly basis if the interest on the deposit is paid quarterly.

For the Tax deducted at source (TDS) certificate Form 16A will be generated by the Company through the Tax Information Network (TIN) central system.

In case of salaried person, if the Income Tax is deducted at source from salary, can he /she furnish 15G/15H?

No. As salaried persons are also assesses form 15G/15H cannot be furnished.

Can you open more than one account in the same order of names?

No. All deposits held in the same name, or in the same order of names (in case of joint deposits) are required to be clubbed together for the purpose of Income Tax computation.

Is it sufficient to furnish Form 15G / H once at the time of placing the deposit?

No. Form 15G/H MUST be furnished during renewal of every deposit as also whenever an additional deposit is made during the financial year.

Can a depositor, in case of urgent need of money, withdraw their deposits?

As per Reserve Bank of India directions, no withdrawal of deposit is permitted within three months from the date of Deposit/renewal of Deposit.

Can a withdrawal be made from the deposit after 3 months?

Yes. Premature withdrawal can be made after 3 months from the date of deposit/renewal as per the Directions of Reserve Bank of India and the terms and conditions of the Company.

Can premature proceeds be paid favouring the second/third Depositor?

No. Premature payments will be effected favouring the first depositor only.

Can the Company directly credit the Depositor ' designated bank account?

Yes. The payment can be sent directly to the Depositor's designated bank account available in our records.

Will the Company allow loan against the Deposit?

Loan may be granted against the deposit up to 75% of the deposit amount. Loan can be availed for deposits made within three months from the date of Deposit/Renewal.

The Term Deposit Receipt (TDR) will be under lien and retained by the Company.

However, granting of the loan is at the sole discretion of the Company.

No loan will be granted against Non-Resident Deposits.

What is the rate of interest chargeable for loans?

The loan interest will be charged @ 2% per annum above the contracted rate shown on the Term Deposit Receipt (TDR)

Do you accept Non-Resident Indian (NRI) Deposits?

We accept deposits from NRIs on a non-repatriation basis. Deposits by NRIs are accepted only when the funds originate from their respective NRO Account.

NRI depositors must also submit the following declaration:

The amount deposited with Sundaram Finance Ltd. represents amount transferred from NRO account. Further this amount does not represent inward remittance from overseas to NRO account or transfer of fund from NRE/FCNR(B) account to NRO account.

The depositor has to furnish his NRO bank account number, as both the principal and the interest will be credited to the depositor's NRO bank account. Tax will be deducted at the rates prescribed by the Income Tax rules in force from time to time from the interest amount irrespective of the quantum of interest.

Details of TDS with respect to Non-Resident Deposits

The limit of Rs.5000/-on interest for the purpose of tax is not applicable. Tax rate will be 31.2% as per the current Income Tax rules (Effective 01/04/2018).

Declaration in Form 15G/H for non -deduction of tax at source is not applicable. FATCA (Foreign Account Tax Compliance Act) form must be furnished by the NRI depositor.

The FATCA form is available in the Deposit Application Form or can be downloaded from our website.

How can I renew the Deposit?

The Renewal Application Form together with the Term Deposit Receipt must be sent to us 15 days prior to the maturity of the Term Deposit Receipt bearing the Depositor's signature on the reverse. Deposits can also be renewed online.

What are options for Renewal of a Cumulative Deposit Receipt?

An existing depositor can renew their deposit for either the Principal amount (interest accrued will be repaid) or alternatively the principal amount plus interest.

What are all the transactions that can be done online?

1. Additional Deposit to existing Deposit Account

2. Renewal of Deposit

3. Repayment of Deposit

4. Inclusion/Modification of Bank Details

5. View Interest Details (CIPA)

6. Modification of Registered Mobile Number

7. Submission of Form 15G/H by eligible depositors

Contact details for deposit queries

Please contact our exclusive deposits toll-free number 1800 572 1840 for any queries related to deposits or write to depositshelpdesk@sundaramfinance.in

മെച്യൂരിറ്റിയിൽ

മെച്യൂരിറ്റി ഇൻറിമേഷൻ ലെറ്ററും പുതുക്കൽ അപേക്ഷാ ഫോമും മെച്യൂരിറ്റി തീയതിക്ക് 15 ദിവസം മുമ്പ് അയയ്‌ക്കും.

ഡിപ്പോസിറ്റുകളുടെ പുതുക്കൽ

പുതുക്കൽ ഫോമിനൊപ്പം കൃത്യമായി ഒപ്പിട്ട ഒറിജിനൽ ഡിപ്പോസിറ്റ് രസീത് നിക്ഷേപകൻ സറണ്ടർ ചെയ്യണം. മെച്യൂരിറ്റി തീയതി മുതൽ 2 മാസത്തിനുള്ളിൽ പുതുക്കൽ നിർദ്ദേശങ്ങൾ ലഭിച്ചാൽ മാത്രമേ മെച്യൂരിറ്റി തീയതി മുതൽ ഡിപ്പോസിറ്റ് പുതുക്കാൻ കഴിയൂ. അല്ലെങ്കിൽ, അത് ഭാവിയിൽ പുതുക്കും. ലോൺ ഉപയോഗിച്ച് പുതുക്കൽ സാധ്യമല്ല. മെച്യൂരിറ്റി തീയതിയിലെ ഡിപ്പോസിറ്റ് മൂല്യത്തിനനുസരിച്ചു ലോൺ ക്രമീകരിക്കണം.

മെച്യൂരിറ്റി പേയ്മെൻറ്

തിരിച്ചടവിൻറെ കാര്യത്തിൽ, ബാങ്ക് അക്കൗണ്ട് വിശദാംശങ്ങൾ അടങ്ങുന്ന ചെക്ക് ലീഫിൻറെ കോപ്പി സഹിതം തിരിച്ചടവിനുള്ള നിർദ്ദേശങ്ങളോടു കൂടിയ റവന്യൂ സ്റ്റാമ്പ് ഒട്ടിച്ച് നിക്ഷേപകൻ ടിഡിആറിൻറെ പിൻഭാഗത്ത് ഒപ്പിടണം.

മെച്യൂരിറ്റി ഓപ്ഷനുകൾ

മെച്യൂരിറ്റിയിൽ, നിക്ഷേപകന് ഇനിപ്പറയുന്നവ തിരഞ്ഞെടുക്കാം:

  • മെച്യൂരിറ്റി തുകയുടെ പേയ്മെൻറ്
  • മെച്യൂരിറ്റി തുക പുതുക്കൽ
  • 1000/- രൂപയുടെ ഗുണിതങ്ങൾക്കുള്ള പുതുക്കൽ (നിക്ഷേപ അക്കൗണ്ടിലെ മിനിമം ബാലൻസ് 10,000/- രൂപ എന്നതിനു വിധേയമായി). ഉദാ; 10,720 രൂപ 11,000 രൂപ വരെ റൗണ്ടപ്പ് അല്ലെങ്കിൽ 10,000 രൂപ വരെ റൗണ്ട് ഡൗൺ ചെയ്യാം.

ഡിപ്പോസിറ്റ് രസീതിൻറെ ഡിസ്‌ചാർജ്ജ്

സാഹചര്യം ആരെങ്കിലും അല്ലെങ്കിൽ അതിജീവിച്ച എ അല്ലെങ്കിൽ എസ് നമ്പർ വൺ അല്ലെങ്കിൽ സർവൈവർ അല്ലെങ്കിൽ എസ്
മെച്യുരിറ്റിയിൽ പതിവായ പേയ്മെൻറ് നിക്ഷേപകരിൽ ആർക്കു വേണമെങ്കിലും ഒപ്പിടാം ആദ്യ നിക്ഷേപകന് മാത്രം ഒപ്പിടാം

നോമിനേഷൻ

പ്രസക്തമായ രേഖകൾ സമർപ്പിച്ചതിന് ശേഷം നിക്ഷേപകൻ മരണപ്പെട്ടാൽ കമ്പനിക്ക് നിക്ഷേപം തിരികെ നൽകാൻ കഴിയുന്ന ഒരാളെ (ഡിപ്പോസിറ്റ് അക്കൗണ്ടിനായി) നാമനിർദ്ദേശം ചെയ്യാൻ നിക്ഷേപകർക്ക് അനുവാദമുണ്ട്.

നോമിനേഷൻ വിശദാംശങ്ങൾ ഡിപ്പോസിറ്റ് അപേക്ഷാ ഫോമിൻറെ പേജ് 8-ൽ ലഭ്യമാണ്. ഡിപ്പോസിറ്റിൻറെ കാലയളവിൽ ഒരു നോമിനിയെ ചേർക്കാൻ ആഗ്രഹിക്കുന്നുവെങ്കിൽ, നിക്ഷേപകർക്ക് ഒരു നോമിനേഷൻ ഫോമിനായി കമ്പനിയുമായി ബന്ധപ്പെടാം. ഡൗൺലോഡ് ചെയ്യാൻ ക്ലിക്ക് ചെയ്യുകClick to download

കാലാവധിക്ക് മുൻപുള്ള പേയ്‌മെൻറും ലോണുകളും

ഡിപ്പോസിറ്റ് രസീതിൻറെ ഡിസ്‌ചാർജ്ജ്

സാഹചര്യം ആരെങ്കിലും അല്ലെങ്കിൽ അതിജീവിച്ച എ അല്ലെങ്കിൽ എസ് ആരെങ്കിലും അല്ലെങ്കിൽ അതിജീവിച്ച എൻ അല്ലെങ്കിൽ എസ്
കാലാവധിക്ക് മുൻപുള്ള പേയ്‌മെൻറ് എല്ലാ നിക്ഷേപകരും ഒപ്പിടണം ആദ്യ നിക്ഷേപകന് മാത്രം ഒപ്പിടാം

കാലാവധിക്ക് മുൻപുള്ള പേയ്‌മെൻറ് (പിഎംപി) പിൻവലിക്കൽ

കാലാവധി പൂർത്തിയാകുന്നതിന് മുമ്പ് നിക്ഷേപങ്ങൾ പിൻവലിക്കാൻ അനുവദിക്കുന്നതിനുള്ള അവകാശം കമ്പനിയിൽ നിക്ഷിപ്തമാണ്. ഒരു നിക്ഷേപം അകാലത്തിൽ പിൻവലിക്കാൻ അനുവദിക്കുന്നിടത്ത്, എ അല്ലെങ്കിൽ എസ് നിക്ഷേപമാണെങ്കിൽ എല്ലാ നിക്ഷേപകരും, എൻ അല്ലെങ്കിൽ എസ് നിക്ഷേപമാണെങ്കിൽ ആദ്യം പേരുള്ള നിക്ഷേപകനും ബന്ധപ്പെട്ട ഡിപ്പോസിറ്റ് രസീത് ഡിസ്‌ചാർജ് ചെയ്യണം.


നിലവിൽ പ്രാബല്യത്തിലുള്ള ആർബിഐയുടെ നിർദ്ദേശങ്ങൾ അനുസരിച്ച്:

3 മാസം തികയുന്നതിനു മുൻപുള്ള പിഎംപി പേയ്‌മെൻറ് ഇല്ല**
3 മാസത്തിന് ശേഷം പക്ഷേ 6 മാസത്തിന് മുൻപുള്ള പിഎംപി പലിശ ഇല്ല *
6 മാസത്തിന് ശേഷം പക്ഷേ 12 മാസത്തിന് മുൻപുള്ള പിഎംപി നിക്ഷേപസമയത്തുള്ള ഒരു വർഷത്തെ നിരക്കിനേക്കാൾ 3% കുറവ്
12 മാസത്തിന് ശേഷം പക്ഷേ 24 മാസത്തിന് മുൻപുള്ള പിഎംപി നിക്ഷേപസമയത്തുള്ള ഒരു വർഷത്തെ നിരക്കിനേക്കാൾ 2% കുറവ്
24 മാസത്തിന് ശേഷം പക്ഷേ 36 മാസത്തിന് മുൻപുള്ള പിഎംപി നിക്ഷേപസമയത്തുള്ള ഒരു വർഷത്തെ നിരക്കിനേക്കാൾ 2% കുറവ്

** ഒരു നിക്ഷേപകൻറെ മരണത്തിൻറെ കാര്യത്തിൽ പലിശയില്ലാതെ അകാല പേയ്‌മെൻറ് നടത്താം.

ഡിപ്പോസിറ്റുകളിന്മേൽ ലോൺ

കുറഞ്ഞത് 3 മാസത്തേക്ക് ഡിപ്പോസിറ്റ് പ്രവർത്തിക്കുന്നുണ്ടെങ്കിൽ, കമ്പനി അതിൻറെ സ്വന്തം വിവേചനാധികാരത്തിൽ, ഡിപ്പോസിറ്റ് തുകയുടെ 75% വരെ കരാർ ചെയ്ത നിരക്കിനേക്കാൾ @2% പലിശയും വഹിക്കുകയാണെങ്കിൽ, ഒരു നിക്ഷേപത്തിനെതിരെ ലോൺ അനുവദിച്ചേക്കാം. (ടിഡിആർ പ്രകാരമുള്ള നിരക്ക്) അത്തരം നിക്ഷേപങ്ങൾക്ക് നൽകേണ്ടതാണ്. ബന്ധപ്പെട്ട ടേം ഡിപ്പോസിറ്റ് രസീതും ലോൺ ഡോക്യുമെൻറുകളും എ അല്ലെങ്കിൽ എസ് അക്കൗണ്ടുകളുടെ കാര്യത്തിൽ ഇരുവരും/എല്ലാ നിക്ഷേപകരും, എൻ അല്ലെങ്കിൽ എസ് അക്കൗണ്ടുകളുടെ കാര്യത്തിൽ ആദ്യത്തെ നിക്ഷേപകനും ഒപ്പിടണം. വായ്പകൾക്കുള്ള ചെക്ക്/ഡിഡി ആദ്യം നിക്ഷേപിക്കുന്നയാൾക്ക് അനുകൂലമായി മാത്രമേ നൽകൂ.

കാലാവധി പൂർത്തിയാകുന്നതിന് മുമ്പായി ഒരാഴ്‌ചയ്‌ക്കുള്ളിൽ ബാക്കി തുകയ്ക്കുള്ള (കുറഞ്ഞത് 10,000 രൂപയ്‌ക്ക് വിധേയമായി) പുതുക്കൽ നിർദ്ദേശങ്ങൾ ലഭിച്ചില്ലെങ്കിൽ, ലോൺ പ്രിൻസിപ്പലും ലോൺ പലിശയും ക്രമീകരിച്ചതിന് ശേഷമുള്ള മെച്യൂരിറ്റി പേയ്‌മെൻറ് കാലാവധി പൂർത്തിയാകുമ്പോൾ നൽകും.

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മറ്റ് പ്രൊഡക്റ്റുകൾ കാണുക

മ്യൂച്വൽ ഫണ്ടുകൾ

നിങ്ങളുടെ നിക്ഷേപം വളർത്താൻ സഹായിക്കുന്ന ഏറ്റവും മികച്ച ഫണ്ടുകൾ ഇപ്പോൾ കാണുക

ലൈഫ് ഇൻഷുറൻസ്

നിങ്ങൾക്കും നിങ്ങളുടെ കുടുംബത്തിനും ലളിതവും ബുദ്ധിമുട്ടില്ലാത്തതുമായ ഇൻഷുറൻസ് സേവനങ്ങൾ.

നിക്ഷേപ സേവനങ്ങൾ

വ്യക്തിപരവും നിഷ്പക്ഷവുമായ നിക്ഷേപ മാനേജ്മെൻറ്

ఫిక్సెడ్ డిపాజిట్లు

మాకస్టమర్లుఏంచెబుతున్నారు.
Deposit

గత ౩౦ ఏళ్ళుగా, మా కంపెనీ యొక్క డిపాజిట్లు AAA రేటింగ్ కలిగివున్నవి

మూడుతరాల డిపాజిటర్లచే విశ్వసించబడింది

మా డిపాజిటర్లలో 80% మాతో కనీసం 10 ఏళ్ళుగా ఉంటున్నారు.

Click here for deposit application form

ఫిక్సెడ్ డిపాజిట్లు

ఒక డిపాజిట్ చేసి, నెలవారీగా గానీ / త్రైమాసికంగా కాని (మార్చి, జూన్, సెప్టెంబర్, డిసెంబర్) వడ్డీని పొందవచ్చు.

వడ్డీని క్రెడిట్‌ చేసే పద్ధతి

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ఫిక్సెడ్ డిపాజిట్లు - రివైజ్డ్ వడ్డీ రేట్లు
(effective July 01, 2025)

వరిష్ట నాగరీకులు**ఇతరాలు
వ్యవధి (నెలలు మరియు రోజులు) రేటు (% వార్షిక రేటు వద్ద) నెలసరి వడ్డీ రేటు% సాలీనా త్రైమాసికం వడ్డీ రేటు% సాలీనా రేటు (% వార్షిక రేటు వద్ద) నెలసరి వడ్డీ రేటు% సాలీనా త్రైమాసికం వడ్డీ రేటు% సాలీనా
127.206.977.016.706.506.54
247.507.257.307.006.786.82
367.507.257.307.006.786.82

* కనీస డిపాజిట్లు రూ. 10,000 ప్రతి అకౌంటుకి
* ప్రస్తుతం ఉన్న డిపాజిట్ల పైన వడ్డీరేట్లు మెచ్యురిటీ వరకు మారకుండా ఉంటాయి.
** డిపాజిట్ / రెన్యువల్ యొక్క తేదీ నాడు 60 ఏళ్ళ పూర్తి అయిన వయస్సు.

x

What types of Deposits are available?

Cumulative as well as Fixed (Regular Income Scheme) Deposits are available.

What is the difference between a Fixed deposit and a Cumulative deposit?

For Fixed Deposits, the interest is payable on either a monthly or quarterly basis.

For Cumulative Deposits, the interest is payable at the time of maturity together with the principal amount invested.

What is the minimum Deposit accepted by the Company?

The minimum deposit for both the Fixed and Cumulative deposit schemes is Rs.10,000/-.

The amount can be placed by Cheque/ Demand Draft / RTGS / NEFT.

Cheques and Demand Drafts may be issued favouring “Sundaram Finance Limited.

RTGS and NEFT Funds Transfer can be done using the bank details given below

Sundaram Finance Limited

ICICI Bank

Nungambakkam Branch

Chennai A/c No – 000905027938

IFSC Code – ICIC0000009

How may I obtain a Deposits Application Form?

Deposit Application Forms are available at all our Branches or can be downloaded from our website

Can a Deposit be placed in the name of a Minor?

Yes. A deposit can be placed in the name of a Minor provided He / She is represented by His / Her Natural or Legal Guardian.

The Deposits Application Form must be signed by the Natural/ Legal Guardian on behalf of the Minor.

All communication in relation to the deposit shall be addressed to the Guardian.

Can a Power of Attorney (POA) holder sign the Deposit Application Form?

Yes, on receipt and verification of the Power Of Attorney by the Company as to its validity in this context.

Are Senior citizens eligible for a higher interest rate?

Yes, Senior citizens are eligible for an additional rate as specified the company time to time.

Can a joint Deposit account be opened?

Yes, a maximum of three people can open a joint Deposit account payable to A or S (Anyone or Survivor) or N or S (Number One or Survivor).

For A or S deposits, the Deposit receipt can be discharged by anyone of the depositors on maturity. However, all the Depositors signatures are required for a Premature Payment or Loan.

For N or S deposits, the Deposit receipt must be discharged by the first Depositor.

What happens if the prevailing interest rates goes up or comes down?

There will be no change. The Company will pay the contracted rate till the maturity of the Deposit Receipt as per the current rules.

When is Income Tax deducted at source from interest?

It is mandatory for the Company to deduct Tax at Source if the estimated annual interest paid /credited on the Deposit exceeds Rs.5000/- during the financial year.

However, those Depositors who are not assessed to Income Tax may furnish a self-declaration in Form 15G or 15H (for Senior Citizens) so that tax is not deducted at source.

What is Form 15G and Form 15H and where do I get it from?

Form 15G and Form 15H (for Senior Citizens) are self- declarations given by those Depositors who are not assessed to Income Tax.

Should the Depositor not be able to sign the Form their left-hand thumb impression will suffice.

The left hand thumb impression must be attested by a Gazetted Officer or Bank Official.

What is the difference between Form 15G and Form 15H?

Declaration in Form 15G can be made by an Individual or a person (not a Company or Partnership / Proprietorship Firm).

A Company or Firm cannot submit declaration in Form 15G or Form 15H. Form 15G is for Resident Individuals below 60 years of age. Form 15H is for Resident Individuals who are Senior Citizens i.e. over 60 years of age

Eligibility for 15G/H if in case of individuals:-

Form 15G:The total income during the financial year should not exceed the basic exemption limit as per Income Tax rules i.e. Rs.2, 50,000/-. If the total income during the financial year exceeds or is likely to exceed Rs. 2, 50,000/- Form 15G cannot be submitted.

Form 15H:If the individual is 60 years but less than 80 years of age, then the total income during the financial year should not exceed the basic exemption limit as per income tax i.e. Rs. 3,00,000/-

If the individual is 80 years of age or more, then the total income during the financial year should not exceed the basic exemption limit as per the income tax i.e. Rs.5,00,000/-.

Eligibility for 15G if in case of persons other than Individuals:

15G can be submitted by a HUF, Association of persons, Body of individuals & Artificial Juridical Persons if the total income during the financial year does not exceed the basic exemption limit as per the income tax i.e. Rs.2, 50,000/-.

Will a certificate be issued by the Company for the Tax deducted at source?

For the Tax deducted at source, Tax deduction certificates in the prescribed form 16A, giving details of the interest remitted to Income Tax Department will be sent on a quarterly basis if the interest on the deposit is paid quarterly.

For the Tax deducted at source (TDS) certificate Form 16A will be generated by the Company through the Tax Information Network (TIN) central system.

In case of salaried person, if the Income Tax is deducted at source from salary, can he /she furnish 15G/15H?

No. As salaried persons are also assesses form 15G/15H cannot be furnished.

Can you open more than one account in the same order of names?

No. All deposits held in the same name, or in the same order of names (in case of joint deposits) are required to be clubbed together for the purpose of Income Tax computation.

Is it sufficient to furnish Form 15G / H once at the time of placing the deposit?

No. Form 15G/H MUST be furnished during renewal of every deposit as also whenever an additional deposit is made during the financial year.

Can a depositor, in case of urgent need of money, withdraw their deposits?

As per Reserve Bank of India directions, no withdrawal of deposit is permitted within three months from the date of Deposit/renewal of Deposit.

Can a withdrawal be made from the deposit after 3 months?

Yes. Premature withdrawal can be made after 3 months from the date of deposit/renewal as per the Directions of Reserve Bank of India and the terms and conditions of the Company.

Can premature proceeds be paid favouring the second/third Depositor?

No. Premature payments will be effected favouring the first depositor only.

Can the Company directly credit the Depositor ' designated bank account?

Yes. The payment can be sent directly to the Depositor's designated bank account available in our records.

Will the Company allow loan against the Deposit?

Loan may be granted against the deposit up to 75% of the deposit amount. Loan can be availed for deposits made within three months from the date of Deposit/Renewal.

The Term Deposit Receipt (TDR) will be under lien and retained by the Company.

However, granting of the loan is at the sole discretion of the Company.

No loan will be granted against Non-Resident Deposits.

What is the rate of interest chargeable for loans?

The loan interest will be charged @ 2% per annum above the contracted rate shown on the Term Deposit Receipt (TDR)

Do you accept Non-Resident Indian (NRI) Deposits?

We accept deposits from NRIs on a non-repatriation basis. Deposits by NRIs are accepted only when the funds originate from their respective NRO Account.

NRI depositors must also submit the following declaration:

The amount deposited with Sundaram Finance Ltd. represents amount transferred from NRO account. Further this amount does not represent inward remittance from overseas to NRO account or transfer of fund from NRE/FCNR(B) account to NRO account.

The depositor has to furnish his NRO bank account number, as both the principal and the interest will be credited to the depositor's NRO bank account. Tax will be deducted at the rates prescribed by the Income Tax rules in force from time to time from the interest amount irrespective of the quantum of interest.

Details of TDS with respect to Non-Resident Deposits

The limit of Rs.5000/-on interest for the purpose of tax is not applicable. Tax rate will be 31.2% as per the current Income Tax rules (Effective 01/04/2018).

Declaration in Form 15G/H for non -deduction of tax at source is not applicable. FATCA (Foreign Account Tax Compliance Act) form must be furnished by the NRI depositor.

The FATCA form is available in the Deposit Application Form or can be downloaded from our website.

How can I renew the Deposit?

The Renewal Application Form together with the Term Deposit Receipt must be sent to us 15 days prior to the maturity of the Term Deposit Receipt bearing the Depositor's signature on the reverse. Deposits can also be renewed online.

What are options for Renewal of a Cumulative Deposit Receipt?

An existing depositor can renew their deposit for either the Principal amount (interest accrued will be repaid) or alternatively the principal amount plus interest.

What are all the transactions that can be done online?

1. Additional Deposit to existing Deposit Account

2. Renewal of Deposit

3. Repayment of Deposit

4. Inclusion/Modification of Bank Details

5. View Interest Details (CIPA)

6. Modification of Registered Mobile Number

7. Submission of Form 15G/H by eligible depositors

Contact details for deposit queries

Please contact our exclusive deposits toll-free number 1800 572 1840 for any queries related to deposits or write to depositshelpdesk@sundaramfinance.in

క్యుములేటివ్ డిపాజిట్లు

ఈ ప్రకారమయిన డిపాజిట్లో సంచిత వడ్డీ మొత్తము, అసలుతోసహా, డిపాజిట్ మెచ్యురిటీ తేదీన చెల్లింపబడును.

క్యుములేటివ్ డిపాజిట్లు - రివైజ్డ్ వడ్డీ రేట్లు
(effective July 01, 2025)

వరిష్ట నాగరీకులు** ఇతరులు
వ్యవధి (నెలలు మరియు రోజులు) రేటు% వార్షిక రేట్ల వద్ద)
నికర రాబడి %సాలీనా రేటు% వార్షిక రేట్ల వద్ద) నికర రాబడి %సాలీనా
12 7.20
7.20 6.70 6.70
24 7.50
7.80 7.00 7.25
36 7.50
8.07 7.00 7.50

* కనీసడిపాజిటరూ. 10,000 ప్రతిఅకౌంటుకి
* ప్రస్తుతంఉన్నడిపాజిట్లపైనవడ్డీరేట్లుమెచ్యురిటీవరకుమారకుండాఉంటాయి.
** డిపాజిట్/ రెన్యువలయొక్కతేదీనాడు 60 ఏళ్ళపూర్తిఅయినవయస్సు.

x

What types of Deposits are available?

Cumulative as well as Fixed (Regular Income Scheme) Deposits are available.

What is the difference between a Fixed deposit and a Cumulative deposit?

For Fixed Deposits, the interest is payable on either a monthly or quarterly basis.

For Cumulative Deposits, the interest is payable at the time of maturity together with the principal amount invested.

What is the minimum Deposit accepted by the Company?

The minimum deposit for both the Fixed and Cumulative deposit schemes is Rs.10,000/-.

The amount can be placed by Cheque/ Demand Draft / RTGS / NEFT.

Cheques and Demand Drafts may be issued favouring “Sundaram Finance Limited.

RTGS and NEFT Funds Transfer can be done using the bank details given below

Sundaram Finance Limited

ICICI Bank

Nungambakkam Branch

Chennai A/c No – 000905027938

IFSC Code – ICIC0000009

How may I obtain a Deposits Application Form?

Deposit Application Forms are available at all our Branches or can be downloaded from our website

Can a Deposit be placed in the name of a Minor?

Yes. A deposit can be placed in the name of a Minor provided He / She is represented by His / Her Natural or Legal Guardian.

The Deposits Application Form must be signed by the Natural/ Legal Guardian on behalf of the Minor.

All communication in relation to the deposit shall be addressed to the Guardian.

Can a Power of Attorney (POA) holder sign the Deposit Application Form?

Yes, on receipt and verification of the Power Of Attorney by the Company as to its validity in this context.

Are Senior citizens eligible for a higher interest rate?

Yes, Senior citizens are eligible for an additional rate as specified the company time to time.

Can a joint Deposit account be opened?

Yes, a maximum of three people can open a joint Deposit account payable to A or S (Anyone or Survivor) or N or S (Number One or Survivor).

For A or S deposits, the Deposit receipt can be discharged by anyone of the depositors on maturity. However, all the Depositors signatures are required for a Premature Payment or Loan.

For N or S deposits, the Deposit receipt must be discharged by the first Depositor.

What happens if the prevailing interest rates goes up or comes down?

There will be no change. The Company will pay the contracted rate till the maturity of the Deposit Receipt as per the current rules.

When is Income Tax deducted at source from interest?

It is mandatory for the Company to deduct Tax at Source if the estimated annual interest paid /credited on the Deposit exceeds Rs.5000/- during the financial year.

However, those Depositors who are not assessed to Income Tax may furnish a self-declaration in Form 15G or 15H (for Senior Citizens) so that tax is not deducted at source.

What is Form 15G and Form 15H and where do I get it from?

Form 15G and Form 15H (for Senior Citizens) are self- declarations given by those Depositors who are not assessed to Income Tax.

Should the Depositor not be able to sign the Form their left-hand thumb impression will suffice.

The left hand thumb impression must be attested by a Gazetted Officer or Bank Official.

What is the difference between Form 15G and Form 15H?

Declaration in Form 15G can be made by an Individual or a person (not a Company or Partnership / Proprietorship Firm).

A Company or Firm cannot submit declaration in Form 15G or Form 15H. Form 15G is for Resident Individuals below 60 years of age. Form 15H is for Resident Individuals who are Senior Citizens i.e. over 60 years of age

Eligibility for 15G/H if in case of individuals:-

Form 15G:The total income during the financial year should not exceed the basic exemption limit as per Income Tax rules i.e. Rs.2, 50,000/-. If the total income during the financial year exceeds or is likely to exceed Rs. 2, 50,000/- Form 15G cannot be submitted.

Form 15H:If the individual is 60 years but less than 80 years of age, then the total income during the financial year should not exceed the basic exemption limit as per income tax i.e. Rs. 3,00,000/-

If the individual is 80 years of age or more, then the total income during the financial year should not exceed the basic exemption limit as per the income tax i.e. Rs.5,00,000/-.

Eligibility for 15G if in case of persons other than Individuals:

15G can be submitted by a HUF, Association of persons, Body of individuals & Artificial Juridical Persons if the total income during the financial year does not exceed the basic exemption limit as per the income tax i.e. Rs.2, 50,000/-.

Will a certificate be issued by the Company for the Tax deducted at source?

For the Tax deducted at source, Tax deduction certificates in the prescribed form 16A, giving details of the interest remitted to Income Tax Department will be sent on a quarterly basis if the interest on the deposit is paid quarterly.

For the Tax deducted at source (TDS) certificate Form 16A will be generated by the Company through the Tax Information Network (TIN) central system.

In case of salaried person, if the Income Tax is deducted at source from salary, can he /she furnish 15G/15H?

No. As salaried persons are also assesses form 15G/15H cannot be furnished.

Can you open more than one account in the same order of names?

No. All deposits held in the same name, or in the same order of names (in case of joint deposits) are required to be clubbed together for the purpose of Income Tax computation.

Is it sufficient to furnish Form 15G / H once at the time of placing the deposit?

No. Form 15G/H MUST be furnished during renewal of every deposit as also whenever an additional deposit is made during the financial year.

Can a depositor, in case of urgent need of money, withdraw their deposits?

As per Reserve Bank of India directions, no withdrawal of deposit is permitted within three months from the date of Deposit/renewal of Deposit.

Can a withdrawal be made from the deposit after 3 months?

Yes. Premature withdrawal can be made after 3 months from the date of deposit/renewal as per the Directions of Reserve Bank of India and the terms and conditions of the Company.

Can premature proceeds be paid favouring the second/third Depositor?

No. Premature payments will be effected favouring the first depositor only.

Can the Company directly credit the Depositor ' designated bank account?

Yes. The payment can be sent directly to the Depositor's designated bank account available in our records.

Will the Company allow loan against the Deposit?

Loan may be granted against the deposit up to 75% of the deposit amount. Loan can be availed for deposits made within three months from the date of Deposit/Renewal.

The Term Deposit Receipt (TDR) will be under lien and retained by the Company.

However, granting of the loan is at the sole discretion of the Company.

No loan will be granted against Non-Resident Deposits.

What is the rate of interest chargeable for loans?

The loan interest will be charged @ 2% per annum above the contracted rate shown on the Term Deposit Receipt (TDR)

Do you accept Non-Resident Indian (NRI) Deposits?

We accept deposits from NRIs on a non-repatriation basis. Deposits by NRIs are accepted only when the funds originate from their respective NRO Account.

NRI depositors must also submit the following declaration:

The amount deposited with Sundaram Finance Ltd. represents amount transferred from NRO account. Further this amount does not represent inward remittance from overseas to NRO account or transfer of fund from NRE/FCNR(B) account to NRO account.

The depositor has to furnish his NRO bank account number, as both the principal and the interest will be credited to the depositor's NRO bank account. Tax will be deducted at the rates prescribed by the Income Tax rules in force from time to time from the interest amount irrespective of the quantum of interest.

Details of TDS with respect to Non-Resident Deposits

The limit of Rs.5000/-on interest for the purpose of tax is not applicable. Tax rate will be 31.2% as per the current Income Tax rules (Effective 01/04/2018).

Declaration in Form 15G/H for non -deduction of tax at source is not applicable. FATCA (Foreign Account Tax Compliance Act) form must be furnished by the NRI depositor.

The FATCA form is available in the Deposit Application Form or can be downloaded from our website.

How can I renew the Deposit?

The Renewal Application Form together with the Term Deposit Receipt must be sent to us 15 days prior to the maturity of the Term Deposit Receipt bearing the Depositor's signature on the reverse. Deposits can also be renewed online.

What are options for Renewal of a Cumulative Deposit Receipt?

An existing depositor can renew their deposit for either the Principal amount (interest accrued will be repaid) or alternatively the principal amount plus interest.

What are all the transactions that can be done online?

1. Additional Deposit to existing Deposit Account

2. Renewal of Deposit

3. Repayment of Deposit

4. Inclusion/Modification of Bank Details

5. View Interest Details (CIPA)

6. Modification of Registered Mobile Number

7. Submission of Form 15G/H by eligible depositors

Contact details for deposit queries

Please contact our exclusive deposits toll-free number 1800 572 1840 for any queries related to deposits or write to depositshelpdesk@sundaramfinance.in

NRI డిపాజిట్లు

మేము నాన్- రిపాట్రియబుల్ పద్ధతిలో, ఎన్ ఆర్ ఐ లనుండి డిపాజిట్లను స్వీకరిస్తాము.

Click here ఎన్ఆర్ ఐ డిపాజిట్లకు సంబంధించి నియమ నిబంధనలకై ఇక్కడ క్లిక్ చెయ్యండి

x

What types of Deposits are available?

Cumulative as well as Fixed (Regular Income Scheme) Deposits are available.

What is the difference between a Fixed deposit and a Cumulative deposit?

For Fixed Deposits, the interest is payable on either a monthly or quarterly basis.

For Cumulative Deposits, the interest is payable at the time of maturity together with the principal amount invested.

What is the minimum Deposit accepted by the Company?

The minimum deposit for both the Fixed and Cumulative deposit schemes is Rs.10,000/-.

The amount can be placed by Cheque/ Demand Draft / RTGS / NEFT.

Cheques and Demand Drafts may be issued favouring “Sundaram Finance Limited.

RTGS and NEFT Funds Transfer can be done using the bank details given below

Sundaram Finance Limited

ICICI Bank

Nungambakkam Branch

Chennai A/c No – 000905027938

IFSC Code – ICIC0000009

How may I obtain a Deposits Application Form?

Deposit Application Forms are available at all our Branches or can be downloaded from our website

Can a Deposit be placed in the name of a Minor?

Yes. A deposit can be placed in the name of a Minor provided He / She is represented by His / Her Natural or Legal Guardian.

The Deposits Application Form must be signed by the Natural/ Legal Guardian on behalf of the Minor.

All communication in relation to the deposit shall be addressed to the Guardian.

Can a Power of Attorney (POA) holder sign the Deposit Application Form?

Yes, on receipt and verification of the Power Of Attorney by the Company as to its validity in this context.

Are Senior citizens eligible for a higher interest rate?

Yes, Senior citizens are eligible for an additional rate as specified the company time to time.

Can a joint Deposit account be opened?

Yes, a maximum of three people can open a joint Deposit account payable to A or S (Anyone or Survivor) or N or S (Number One or Survivor).

For A or S deposits, the Deposit receipt can be discharged by anyone of the depositors on maturity. However, all the Depositors signatures are required for a Premature Payment or Loan.

For N or S deposits, the Deposit receipt must be discharged by the first Depositor.

What happens if the prevailing interest rates goes up or comes down?

There will be no change. The Company will pay the contracted rate till the maturity of the Deposit Receipt as per the current rules.

When is Income Tax deducted at source from interest?

It is mandatory for the Company to deduct Tax at Source if the estimated annual interest paid /credited on the Deposit exceeds Rs.5000/- during the financial year.

However, those Depositors who are not assessed to Income Tax may furnish a self-declaration in Form 15G or 15H (for Senior Citizens) so that tax is not deducted at source.

What is Form 15G and Form 15H and where do I get it from?

Form 15G and Form 15H (for Senior Citizens) are self- declarations given by those Depositors who are not assessed to Income Tax.

Should the Depositor not be able to sign the Form their left-hand thumb impression will suffice.

The left hand thumb impression must be attested by a Gazetted Officer or Bank Official.

What is the difference between Form 15G and Form 15H?

Declaration in Form 15G can be made by an Individual or a person (not a Company or Partnership / Proprietorship Firm).

A Company or Firm cannot submit declaration in Form 15G or Form 15H. Form 15G is for Resident Individuals below 60 years of age. Form 15H is for Resident Individuals who are Senior Citizens i.e. over 60 years of age

Eligibility for 15G/H if in case of individuals:-

Form 15G:The total income during the financial year should not exceed the basic exemption limit as per Income Tax rules i.e. Rs.2, 50,000/-. If the total income during the financial year exceeds or is likely to exceed Rs. 2, 50,000/- Form 15G cannot be submitted.

Form 15H:If the individual is 60 years but less than 80 years of age, then the total income during the financial year should not exceed the basic exemption limit as per income tax i.e. Rs. 3,00,000/-

If the individual is 80 years of age or more, then the total income during the financial year should not exceed the basic exemption limit as per the income tax i.e. Rs.5,00,000/-.

Eligibility for 15G if in case of persons other than Individuals:

15G can be submitted by a HUF, Association of persons, Body of individuals & Artificial Juridical Persons if the total income during the financial year does not exceed the basic exemption limit as per the income tax i.e. Rs.2, 50,000/-.

Will a certificate be issued by the Company for the Tax deducted at source?

For the Tax deducted at source, Tax deduction certificates in the prescribed form 16A, giving details of the interest remitted to Income Tax Department will be sent on a quarterly basis if the interest on the deposit is paid quarterly.

For the Tax deducted at source (TDS) certificate Form 16A will be generated by the Company through the Tax Information Network (TIN) central system.

In case of salaried person, if the Income Tax is deducted at source from salary, can he /she furnish 15G/15H?

No. As salaried persons are also assesses form 15G/15H cannot be furnished.

Can you open more than one account in the same order of names?

No. All deposits held in the same name, or in the same order of names (in case of joint deposits) are required to be clubbed together for the purpose of Income Tax computation.

Is it sufficient to furnish Form 15G / H once at the time of placing the deposit?

No. Form 15G/H MUST be furnished during renewal of every deposit as also whenever an additional deposit is made during the financial year.

Can a depositor, in case of urgent need of money, withdraw their deposits?

As per Reserve Bank of India directions, no withdrawal of deposit is permitted within three months from the date of Deposit/renewal of Deposit.

Can a withdrawal be made from the deposit after 3 months?

Yes. Premature withdrawal can be made after 3 months from the date of deposit/renewal as per the Directions of Reserve Bank of India and the terms and conditions of the Company.

Can premature proceeds be paid favouring the second/third Depositor?

No. Premature payments will be effected favouring the first depositor only.

Can the Company directly credit the Depositor ' designated bank account?

Yes. The payment can be sent directly to the Depositor's designated bank account available in our records.

Will the Company allow loan against the Deposit?

Loan may be granted against the deposit up to 75% of the deposit amount. Loan can be availed for deposits made within three months from the date of Deposit/Renewal.

The Term Deposit Receipt (TDR) will be under lien and retained by the Company.

However, granting of the loan is at the sole discretion of the Company.

No loan will be granted against Non-Resident Deposits.

What is the rate of interest chargeable for loans?

The loan interest will be charged @ 2% per annum above the contracted rate shown on the Term Deposit Receipt (TDR)

Do you accept Non-Resident Indian (NRI) Deposits?

We accept deposits from NRIs on a non-repatriation basis. Deposits by NRIs are accepted only when the funds originate from their respective NRO Account.

NRI depositors must also submit the following declaration:

The amount deposited with Sundaram Finance Ltd. represents amount transferred from NRO account. Further this amount does not represent inward remittance from overseas to NRO account or transfer of fund from NRE/FCNR(B) account to NRO account.

The depositor has to furnish his NRO bank account number, as both the principal and the interest will be credited to the depositor's NRO bank account. Tax will be deducted at the rates prescribed by the Income Tax rules in force from time to time from the interest amount irrespective of the quantum of interest.

Details of TDS with respect to Non-Resident Deposits

The limit of Rs.5000/-on interest for the purpose of tax is not applicable. Tax rate will be 31.2% as per the current Income Tax rules (Effective 01/04/2018).

Declaration in Form 15G/H for non -deduction of tax at source is not applicable. FATCA (Foreign Account Tax Compliance Act) form must be furnished by the NRI depositor.

The FATCA form is available in the Deposit Application Form or can be downloaded from our website.

How can I renew the Deposit?

The Renewal Application Form together with the Term Deposit Receipt must be sent to us 15 days prior to the maturity of the Term Deposit Receipt bearing the Depositor's signature on the reverse. Deposits can also be renewed online.

What are options for Renewal of a Cumulative Deposit Receipt?

An existing depositor can renew their deposit for either the Principal amount (interest accrued will be repaid) or alternatively the principal amount plus interest.

What are all the transactions that can be done online?

1. Additional Deposit to existing Deposit Account

2. Renewal of Deposit

3. Repayment of Deposit

4. Inclusion/Modification of Bank Details

5. View Interest Details (CIPA)

6. Modification of Registered Mobile Number

7. Submission of Form 15G/H by eligible depositors

Contact details for deposit queries

Please contact our exclusive deposits toll-free number 1800 572 1840 for any queries related to deposits or write to depositshelpdesk@sundaramfinance.in

మెచ్యురిటీ తేదీన

రెన్యువల్‌ దరఖాస్తు ఫారంతో పాటు మెచ్యూరిటి సమాచార లేఖ మెచ్యూరిటి తేదీకి 15 రోజుల ముందుగా పంపబడుతుంది.

డిపాజిట్‌ల రెన్యువల్‌

రెన్యువల్‌ ఫారంతో పాటు సంపూర్ణంగా సంతకం చేసిన అసలు డిపాజిట్‌ రసీదును డిపాజిటర్‌ సరెండర్‌ చేయవలసి ఉంటుంది. మెచ్యూరిటి తేదీ నుంచి 2 నెలల లోపు రెన్యువల్‌ నిర్దేశనలు అందితేనే మెచ్యూరిటి తేదీ నుంచి డిపాజిట్‌ని రెన్యువల్‌ చేసుకోవచ్చు. లేకపోతే, ఇది మున్ముందు నవీకరించబడుతుంది. రుణంతో రెన్యువల్‌ చేసుకోవడం సాధ్యపడదు. మెచ్యూరిటి తేదీ నాడు డిపాజిట్‌ విలువకు రుణం తప్పకుండా సర్దుబాటు చేయబడుతుంది.

మెచ్యూరిటి చెల్లింపు

ఒకవేళ రీపేమెంట్‌ అయితే, బ్యాంక్‌ అకౌంట్‌ వివరాలు ఉన్న చెక్కు కాపీతో పాటు రీపేమెంట్‌కి నిర్దేశనలతో రెవిన్యూ స్టాంపు అతికించి టిడిఆర్‌ వెనుక వైపున డిపాజిటర్‌ సంతకం చేయాలి.

మెచ్యూరిటీకి సంబంధించిన వివిధ ప్రత్యామ్నాయములు

మెచ్యూరిటి అయినప్పుడు, డిపాజిటర్‌ ఈ కిందివి ఎంచుకోవచ్చు:

  • మెచ్యూరిటి సొమ్ము చెల్లించుట
  • మెచ్యూరిటి సొమ్ము రెన్యువల్‌
  • రూ. 1000/- గుణిజాలకు రెన్యువల్‌ (డిపాజిట్‌ అకౌంట్‌లో రూ. 10,000 కనీస బ్యాలెన్స్‌కి లోబడి), ఉదా: 10,720ని రూ. 11,000కి పెంచవచ్చు లేదా రూ. 10,000కి తగ్గించవచ్చు.

డిపాజిట్ రసీదు విడుదల

సినారియో ఎవరైనా లేదా జీవించివున్న ఎ లేదా ఎస్‌ నంబర్‌ వన్‌ లేదా జీవించివున్న వ్యక్తి లేదా ఎస్‌
మెచ్యూరిటి అయినప్పుడు రెగ్యులర్‌గా చెల్లించుట డిపాజిటర్లలో ఎవరైనా సంతకం చేయవచ్చు మొదటి డిపాజిటర్‌ మాత్రమే సంతకం చేయగలరు

నామినేషన్‌

ఒకవేళ సంబంధిత పత్రాలను సమర్పించిన తరువాత డిపాజిటర్‌ చనిపోతే డిపాజిట్‌ని కంపెనీ తిరిగిచ్చేందుకు ఒక వ్యక్తిని నామినేట్‌ చేసేందుకు డిపాజిటర్‌లను అనుమతించడం జరుగుతుంది (డిపాజిట్‌ అకౌంట్‌కి).

నామినేషన్‌ వివరాలు డిపాజిట్‌ల దరఖాస్తు ఫారంలోని పేజీ 8లో లభిస్తున్నాయి. డిపాజిట్‌ వ్యవధిలో నామినీని చేర్చాలనుకుంటే నామినేషన్‌ ఫారం కోసం కంపెనీని కూడా డిపాజిటర్‌లు సంప్రదించవచ్చు. డౌన్‌లోడ్‌ చేసుకోవడానికి ఇక్కడ క్లిక్‌ చేయండి.Click to download

ప్రీ మెచ్యురిటీ పేమెంట్ మరియు లోన్స్

డిపాజిట్‌ రసీదు డిశ్చార్జ్‌

సినారియో ఎవరైనా లేదా జీవించివున్న ఎ లేదా ఎస్‌ నంబర్‌ వన్‌ లేదా జీవించివున్న వ్యక్తి ఎన్‌ లేదా ఎస్‌
ప్రీమెచ్యూర్‌ చెల్లింపు డిపాజిటర్‌లందరూ సంతకం చేయాలి మొదటి డిపాజిటర్‌ మాత్రమే సంతకం చేయగలరు

ప్రీమెచ్యూర్‌ చెల్లింపులు (పిఎంపి) ఉపసంహరించుకొనుట

కంపెనీ తన పూర్తి విఛక్షణ మేరకు మెచ్యూరిటికి ముందు డిపాజిట్‌లను ఉపసంహరించడాన్ని అనుమతించేందుకు కంపెనీకి హక్కు ఉంది. డిపాజిట్‌ని ఇలా మెచ్యూరిటికి ముందుగానే ఉపసంహరించేందుకు అనుమతించబడిన చోట, ఎ లేదా ఎస్‌/ఎస్‌ డిపాజిట్‌లో డిపాజిటర్‌లందరూ మరియు ఒకవేళ ఎన్‌ లేదా ఎస్‌/ఎస్‌ డిపాజిట్‌ అయితే మొదటగా పేరు ఇవ్వబడిన డిపాజిటర్‌ తప్పకుండా సంబంధిత డిపాజిట్‌ రసీదును సమర్పించాలి.


ప్రస్తుతం అమలులో ఉన్న ఆర్‌బిఐ నిర్దేశనల ప్రకారం:

3 నెలల గడువు ముగియడానికి ముందు పిఎంపి చెల్లింపు ఉండదు**
3 నెలల తరువాత కానీ 6 నెలల లోపు పిఎంపి వడ్డీ లేదు*
6 నెలల తరువాత కానీ 12 నెలల లోపు పిఎంపి డిపాజిట్‌ చేసే సమయంలో ఒక సంవత్సరం రేటు కంటే 3% తక్కువ
12 నెలల తరువాత కానీ 24 నెలల లోపు పిఎంపి డిపాజిట్‌ చేసే సమయంలో ఒక సంవత్సరం రేటు కంటే 2% తక్కువ
24 నెలల తరువాత కానీ 36 నెలల లోపు పిఎంపి డిపాజిట్‌ చేసే సమయంలో రెండు సంవత్సరాల రేటు కంటే 2% తక్కువ

** ఒకవేళ డిపాజిటర్‌ చనిపోతే వడ్డీ లేకుండా ప్రీమెచ్యూర్‌ చెల్లింపు చేయవచ్చు.

డిపాజిట్‌లపై రుణం

కంపెనీ తన స్వీయ విఛక్షణ మేరకు, డిపాజిట్‌పై రుణం మంజూరు చేయవచ్చు, అయితే డిపాజిట్‌ కనీసం 3 నెలల పాటు కొనసాగివుండాలి మరియు డిపాజిట్‌ సొమ్ములో 75% వరకు చెల్లించివుండాలి, ఇలాంటి డిపాజిట్‌లపై కాంట్రాక్టు రేటుకు పైన 2% చొప్పున వడ్డీ ( టిడిఆర్‌ రేటు మాదిరిగానే చక్రవడ్డీ లెక్కించబడుతుంది) చెల్లించబడుతుంది. ఎ లేదా ఎస్‌/ఎస్‌ అకౌంట్‌లైతే ఉభయ/డిపాజిటర్‌లందరూ మరియు ఒకవేళ ఎన్‌ లేదా ఎస్‌/ఎస్‌ అకౌంట్‌లు అయితే మొదటి డిపాజిటర్‌ తప్పకుండా సంబంధిత డిపాజిట్‌ రసీదు మరియు రుణ పత్రాలపై సంతకం చేయాలి. మొదటి డిపాజిటర్‌ పేరుతో మాత్రమే చెక్కు/డిడి లోన్స్‌ తీయబడతాయి.

రుణం అసలు మరియు దానికి అయిన వడ్డీని సర్దుబాటు చేసిన మీదట మెచ్యూరిటి నాడు మెచ్యూరిటి సొమ్ముచెల్లించబడుతుంది, మెచ్యూరిటికి ముందుగా ఒక వారం లోపు బ్యాలెన్స్‌ సొమ్ముకు రెన్యువల్‌ నిర్దేశనలు (కనీసం రూ. 10,000కి లోబడి) అందకపోతేనే.

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మ్యూచ్చువల్‌ ఫండ్స్

మీ పెట్టుబడులు ఎదిగేందుకు తోడ్పడే అత్యుత్తమమైన ఫండ్స్‌ని ఇప్పుడు య్యాక్సెస్‌ చెయ్యండి

లైఫ్ ఇన్సూరెన్స్‌

మీకు, మీ కుటుంబానికీ సరళమైన, బాదరబందీ లేని ఉచిత ఇన్సూరెన్స్‌ సర్వీసులు

ఇన్వెస్ట్మెంట్ (పెట్టుబడి) సర్వీసులు

పర్సనలైజ్డ్‌ మరియు నిష్పక్షపాతమైన పెట్టుబడి విధానం