Deposit Schemes

Baghat Saving Deposit Scheme

Now you can earn a higher income on your surplus funds by investing those with us. We provide security, trust and competitive rate of interest.

  • Flexibility in choosing the amount you wish to invest and the maturity period.

  • Affordable Low Minimum Deposit Amount: You can open a term deposit with BUCB for a nominal amount of Rs.500/- only.

  • Flexibility in period of term deposit from 7 days to any years.
  • Interest is taxable

Savings Deposits

Savings Deposit  - 2.70% per annum

Term Deposit

We are offering the following interest rates on the deposits, effective from 20 August, 2025

Interest Rate Chart 

PERIOD OF TERM DEPOSITS

INDIVIDUAL/ Co.Op.Hsg & Trust

SR. CITIZEN
7 to 45 days
3.05%
 3.55%
46 to 179 days 4.90% 5.40%
180 to 210 days
5.65%
 6.15%
211 to less than 365 days
5.90%
 6.40%
12 months to less than 24 months
6.25%
 6.75%
24 months to less thanb 36 months
6.45%
 6.95%
36 months to less than 60 months
6.30%
 6.80%
60 months and above
6.05%
 7.05%

Specific Tenor Scheme of 444 days

The specific tenor scheme of "444 days" at the rate of interest of 6.60% w.e.f. 15 August, 2025. Super Senior Citizens are offered a rate of interest 7.10% w.e.f. 20-08-2025.

On premature of deposit 1% penalty shall imposed on interest applicable for the period

* Citizen who attains the age of 60 & 80 years and above will submit the Age Proof to get benefit of higher interest rates.

Terms and Conditions

On premature, penalty of 1% shall be applicable for the period the deposit remained with the bank or 1% below the contracted rate, whichever is lower for the Term Deposit .

  1. No joint account will be open in the case of Senior Citizens or Super Senior Ctizens except husband & wife, if opened, the  interest rate benefits of senior citizens will not be given.

  2. In the absence of specific instruction the interest will be paid at saving bank rate.

  3. Obtain form 15G/15H from the customer otherwise deduct TDS where applicable.

On Loan against Bank's own deposit as under :-

  1. If loan raised by the depositors himself/herself 1% extra interest shall be applicable.

  2. If loan raised by a person against third party deposit, 2% extra interest shall be applicable.

  3. Margin of the loan/limit against deposit with deposit does not exceeds 85% of the current value of the deposit.

  4. In case of loan/limit against deposit, if multiple depsoits at diffrent rate are kept as security then the interest charged will be calculated at weighted average rate of the deposits.

  5. FDR's willbe adjusted in loans account with amount outstanding on the date of meturity  of the FDR's or the FDR's will be renewed for at least for another one year and interest charged in loan account shall be at revised rate.

  6. The amount of loan plus interest will not exceed the principle plus interest of FDR's. In any case it exceeds then interest @16% p.a.