"Hamari Bitiya" Deposit Scheme

Secure her bright future with a specially designed deposit scheme for your beloved daughter.

Empowering Her Tomorrow, Today

Harco Bank proudly introduces the **"Hamari Bitiya" Deposit Scheme**, a unique and empowering initiative crafted to ensure the financial security and bright future of your daughters. This scheme offers both Fixed Deposit and Recurring Deposit options, providing flexibility and excellent returns to support her education, marriage, or any dream she wishes to pursue.

Designed with the specific needs of minor girls in mind, the "Hamari Bitiya" scheme comes with attractive interest rates and flexible tenures, making it an ideal investment for parents and guardians. Ensure your daughter has the strong financial foundation she deserves for a life full of opportunities.

Join us in nurturing her aspirations and building a secure path for her growth.

Key Benefits of "Hamari Bitiya" Scheme

Daughter-Centric Design

A deposit scheme specifically tailored to secure the financial future of girl children.

Attractive Interest Rate

Benefit from a competitive **7.25% p.a.** interest rate, compounded quarterly, maximizing her savings.

Flexible Deposit Options

Choose between **Fixed Deposit** for lump-sum investments or **Recurring Deposit** for monthly savings.

Education Loan Preference

Regular depositors receive **preference for education loans**, supporting her higher studies.

Secure & Reliable

Invest with confidence in Harco Bank, ensuring the safety and growth of her funds.

Long-Term Growth

Tenures up to 10 years help build a substantial corpus for her future milestones.

Current Interest Rate:

7.25% p.a.

Compounded quarterly

*Interest rate is subject to change from time to time and will be reviewed annually or earlier.

Scheme Details at a Glance

Sr. No.	Particulars	Fixed Deposit	Recurring Deposit
1	Eligibility	Minors (Girls only) under guardianship of natural/legal guardian.	Minors (Girls only) under guardianship of natural/legal guardian.
2	Tenure of Deposit	Minimum: 5 Years Maximum: 10 Years Note: The maximum age of the depositor at the time of maturity of such deposit can be upto 23 Years only.	Minimum: 1 Year Maximum: 10 Years Note: The maximum age of the depositor at the time of maturity of such deposit can be upto 18 Years only. The last installment of RD will be one month before attaining age of 18 Years.
3	Amount of Deposits	Minimum Rs.10,000/- thereafter, in multiples of Rs. 1,000/-. Maximum deposit accepted under the scheme shall be upto Rs.10 Lakh.	Minimum Rs.500/- per month thereafter, in multiples of Rs. 100/-.
4	Rate of Interest	7.25% p.a. compounded quarterly (subject to change from time to time to be reviewed annually or earlier.)	7.25% p.a. compounded quarterly (subject to change from time to time to be reviewed annually or earlier.)
5	Pre-mature Penalty	No penalty shall be levied if the premature withdrawal is done after expiry of 5 years Tenure. In case of pre-mature withdrawal before 5 years, the interest will be applicable as per card rates for the period the deposit remains with the bank and the penalty will be imposed as hitherto.	In case of pre-mature withdrawal, the interest will be applicable as per card rates for the period the deposit remains with the bank and the penalty will be imposed as hitherto.
6	Auto Renewal	The auto renewal is permitted but the maximum age of the depositor at the time of maturity of renewed FD can be upto 23 Years only. Thereafter, it may be re-invested in General FD Scheme.	Maturity amount can be re-invested in “Hamari Bitiya Fixed Deposit” Scheme subject to fulfillment of terms & conditions.
7	Advances/Overdraft facility including Margin	85% of the corpus at 1% higher rate of interest.
8	Tax Deduction at Source	Applicable, as per extant guidelines of the Bank/RBI.
9	Nomination	Available, as per extant guidelines of the Bank.
10	Special Benefit	Preference for Education Loan will be given to those depositors whose account is regular during the entire tenure of scheme.