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Citizen Charter

To promote fair banking practices by maintaining transparency in various products and services offered to make banking an enriching experience.

  • Excellence in customer service.

  • Innovate banking products and financial services to serve all segment of the society.

  • Contribute towards growth in economy through multifarious activities/services.

  • Contribute towards social banking.


Disclaimer :

It is not a legal document creating rights and obligations. The citizen’s Charter does not by itself create new legal rights, but it surely helps in enforcing existing rights.
This Charter applies to all products and services listed below whether provided by branches, and agents acting on behalf of the bank, across the counter, by post, through interactive electronic devices and through technology (alternative delivery channels).

KYC Compliance :

In order to comply with regulatory / statutory requirements, while opening the account we will adhere to the Know Your Customer (KYC) norms, Anti Money Laundering Guidelines, satisfy ourselves about the identity, including verification of address of a person's, seeking to open an account, to assist in protecting the prospective customer's, members of the public and ourselves against fraud and other misuses of the banking system. We will also satisfy ourselves about the sources of income of the existing/prospective customers. Customers shall also provide the desired documents as per requirement of the bank for updation and verification as per the periodicity of submission.

Products :

a.All deposit accounts e.g. Savings accounts, Current accounts, Term deposits, Recurring deposits, NRE, FCNR, NRO.

b.Offer Nomination facility to all deposit accounts (i.e. account opened in individual / proprietorship capacity) and all Safe deposit locker hirers (i.e. individual hirers).

c.Fund based (Retail Loans, Demand Loans, Term Loans, Cash Credit, Overdrafts) and Non-Fund based Loans (Letter of Credit / Bank Guarantee).

d.Foreign Exchange Products including remittances & money changing.

e.Third party products and investment products.

f.Demat accounts and Applications Supported by Blocked Amount (ASBA) facility.

g.Card products including Credit Card, Debit Card, ATM Cards, Smart Cards.

You have a wide range of choice of deposits through as many as 10 different schemes offered by UBI. You may select them according to your best suited mode of meeting.