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IB HARIT

IB HARIT

1. Name of the Product IB Harit Current Account
2.Target Customers Individual or group of individuals engaged in Agri business, Traders of pesticides / Seeds / Fertiliser, Marketing Societies, Arhatiyas etc.
3. Account type Current Account
4.Minimum Average Balance Quarterly Average Balance: Rs. 10,000/-
5.Charges for Non –maintenance of Minimum Balance Penal Charges non maintenance of QAB are applicable as per card rate.
6.Maximum Balance No limit.
7. Special Features/ Concessions
GPA Free GPA (Group Personal Accidental) insurance coverage of Rs. 12.00 lakh. *

(Rs. 10 Lakh + 2 Lakh on Rupay ATM/Debit Card to eligible a/c holder)

*GPA Coverage – for account in the name of individual and Sole Proprietorship concern only in the age group of 18 to 60 years – (In case of joint account – 1st person only will be covered)

  • Free GPA shall be offered to first 10000 customers on first come first serve basis, which may be on review of the performance, extended to the next lot at sole discretion of the Bank.
  • The insurance coverage shall be applicable for 1 year only, subsequent renewal, extension of the policy on sole discretion of the Bank.
  • Free GPA insurance coverage shall be extended to eligible account holder after 20th of  succeeding month of  first quarter based on maintenance of QAB and after coverage, if sufficient QAB is not maintained in following quarter, charges for GPA shall be recovered from the Account Holder.
RTGS/NEFT Charges Normal card rate applicable.
Chq Book Charges Annual 50 Cheque leaves free
Account Keeping Charges/Ledger/Folio Charges No Account keeping charges for transaction done through digital channel.
Cash Handling Charges Home Branch: No cash handling charge up to Rs 60 Lakh per quarter (Branch/BNA)

At non home Branch, cash handling charges free up to Rs.50000/- per day.
QR Code /POS ·         Free QR Code Sound Box

·         Free POS (Soft POS)
Credit Card Eligible for Credit Card on Monthly turnover of Rs. 10 lakh and above in the account.

(As per extant guidelines of Bank)
CC Limit Eligible for CC Limit after 6 months of satisfactory operations in the account. 

(Terms & conditions apply.  CC limit as per extant guidelines of the Bank)
ATM Card Individual and Sole Proprietorship concern only
Free Lounge Benefit
  •   Quarterly 2 *

*(On ATM/Debit Card)
Door Step Banking Door step Banking as per extant guidelines of the Bank
REWARDS (ATM/Debit/Credit Card)
  • Reward Points under Ind Advantage
  • Cashback on every purchase through Credit Card
  • Earn Extra Reward Points at our Partner Stores
INVESTMENT AVENUES
  • Demat & Trading Account
  • Investment Advisory Services
8. Mode of operation As per mandate
9.Internet Banking/ Ind Pay App/OASIS App/ ATM Card All digital products e.g., mobile banking, POS, QR Code, internet banking facilities to be offered.
10. Standing Instruction Free Standing Instruction may be accepted
11. Nomination Facility Only for Individual/Sole Proprietorship
12. Other Features

 
  •   Free collection of  Local Cheques
  • Free fund Transfer within Indian Bank
  • Balance Certificate: Free.
  • Signature verification: Free.
  • Demand Draft applicable as per normal charges,
  • Zero Balance salary accounts for Employees of the business unit as per product type.
  • Optional Credit Card can be allowed backed by Fixed Deposit (80% of the Fixed Deposit)
13. Terms & conditions
  • Bank holds the right to withdraw the facility in full or in part at its discretion at any time in future.
  • Apart from applicable KYC documents, customer to submit agri business related documents like valid registration under guidelines relating to APMC of the concerned state, trade license, GST bill, any other valid documents to prove doing the agri business etc.
  • All the other Terms and conditions as per Normal Current Account.

( अंतिम संशोधन Sep 22, 2025 at 09:09:07 PM )

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