How to Open an RD Account Online in Punjab & Sind Bank (PSB) - PSB UnIC
PSB UnIC is a mobile application that allows you to open a recurring deposit (RD) account with Punjab & Sind Bank (PSB) easily online. Here's a step-by-step guide to help you open an RD account through PSB UnIC:
Steps to Open an RD Account via PSB UnIC:
Step 1: PSB UnIC Login
- First, download and install the PSB UnIC app.
- Open the app and log in using your credentials (you need to register if you haven’t yet).
- After logging in, select the option to Open RD Account.
Step 2: Select Deposit Type
- You will be prompted to select the deposit type. Choose Recurring Deposit (RD) from the options provided.
Step 3: Choose Debit Account
- Next, select your debit account (the account from which the RD amount will be deducted).
Step 4: Set RD Amount & Tenure
- Enter the amount you wish to invest in your RD.
- Choose the tenure (the duration for which you want to invest, e.g., 1 year, 2 years, 3 years, etc.).
Step 5: Calculate Maturity
- Click on Calculate Maturity to check your estimated maturity amount, interest rate, total interest earned, and the maturity date.
Step 6: Nominee Details
- You will also need to provide nominee details (if any) like:
- Nominee’s name, relation to you, and date of birth.
- If the nominee is under 18, you will need to provide a guardian’s details.
Step 7: Review & Submit
- Verify the information, accept the Terms and Conditions, and click on Proceed.
- You will receive an OTP on your registered mobile number to complete the process.
Step 8: Confirmation
- After entering the OTP and submitting, your RD account will be successfully opened.
Interest Rates for RD in Punjab & Sind Bank (2024)
| Category | Interest Rate |
|---|---|
| General Citizens | 6.30% |
| Senior Citizens (60+) | 6.80% |
- Senior citizens receive an additional 0.50% interest on RD accounts.
Other Important Information:
- Minimum Deposit for RD: There may be a minimum deposit requirement based on the scheme.
- Maximum Deposit: No maximum limit, but terms may vary depending on the type of RD.
- Account Type: You can open a joint RD account with another person by submitting both parties' documents.
Offline Process:
- If you prefer, you can open your RD account at a Punjab & Sind Bank branch by filling out the RD account form and submitting Aadhar card and PAN card copies, along with photos.
How to Register for PSB UnIC:
- Download the app from the Play Store or App Store.
- Open the app and follow the on-screen instructions to register using your bank account details.
Punjab & Sind Bank RD Interest Rates for 2024
- Interest Rate (Normal): 6.30% per annum
- Interest Rate (Senior Citizens): 6.80% per annum
These rates may vary depending on the tenure and current bank policies. Always check the official bank website or the PSB UnIC app for the most updated information.
Conclusion
Using PSB UnIC, you can conveniently open an RD account online and enjoy competitive interest rates. Whether you are a senior citizen or a general account holder, the process is easy and fully digital.
Let me know if you need more details or help with another query!
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