KTCCB
Wed, 11 Mar 2026 RBI Regulated CBS Enabled

Saving Deposit

4.00%
Interest Rate p.a.
₹500
Minimum Balance
₹5 Lakh
DICGC Insured

About Saving Deposit

We value your earnings as much as you do. That is why The Kalna Town Credit Co-operative Bank Ltd. offers an attractive, hassle-free Saving Deposit Account designed for every individual — salaried employees, homemakers, students, and pensioners alike. Enjoy competitive interest rates, zero hidden charges, and the peace of mind that comes with a fully regulated co-operative bank backed by DICGC insurance up to ₹5,00,000.

With our saving account, your money is always accessible, always growing, and always protected under the regulatory framework of the Reserve Bank of India and the West Bengal Co-operative Societies Act.

Features of Saving Account

Our bank provides the following features for saving account holders:

Passbook facility provided to every account holder
Cheque book facility available on request
ATM/Debit card facility for 24×7 cash access
Online banking & mobile banking access
Nomination facility available for all accounts
Standing instruction for automatic bill payments
Joint account facility available
Free SMS alerts on every transaction
Quarterly interest credited to your account
No restriction on number of deposits per month
RTGS / NEFT / IMPS transfer facility
DICGC deposit insurance up to ₹5,00,000

Interest Rate Table

# Account Type / Category Rate of Interest (p.a.) Effective From
1 Regular Saving Account 4.00% 01-Apr-2024
2 Senior Citizen Saving Account 4.50% 01-Apr-2024
3 Staff / Employee Saving Account 4.50% 01-Apr-2024

Interest rates are subject to change as per RBI guidelines and Bank Board decisions. Please contact our branch for the latest rates before opening an account.

Eligibility Criteria

  • Resident Indian individuals (single or joint)
  • Minors (operated by guardian)
  • Senior citizens
  • Pensioners & salaried employees
  • Self-help groups (SHGs) & societies
  • Must be a resident of Purba Bardhaman district

Documents Required

  • Duly filled Account Opening Form
  • 2 recent passport-size photographs
  • Aadhaar Card (mandatory KYC)
  • PAN Card or Form 60 (if no PAN)
  • Voter ID / Driving Licence / Passport
  • Latest address proof (utility bill, etc.)

How to Open Your Account

01
Download Form

Download the Account Opening Form from the link above or collect it at our branch.

02
Fill Application

Fill all required fields carefully. Attach 2 passport-size photos and self-attest documents.

03
Visit Branch

Submit the completed form at the Kalna branch with original documents for verification.

04
Account Activated

Receive your passbook, cheque book, and ATM card within 3–5 working days.

Ready to start saving with KTCCB?

Visit our branch today or download the application form and experience the difference of a trusted co-operative bank.

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Our banking experts are ready to help you choose the right scheme.