Our Services
Banking For Your Needs
Complete Banking Solutions
For Your Financial Needs
Taliparamba Co-Operative Urban Bank Ltd offers reliable deposit schemes, loan facilities, and modern banking services to meet the financial needs of individuals and businesses.
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Deposits Schemes
- Fixed Deposits
- Current Account
- Daily Deposits
- Recurring Deposits
- Savings Bank Account
# All deposits with the Bank—including savings, fixed, current, and recurring deposits—are insured by the Deposit Insurance and Credit Guarantee Corporation (DICGC), subject to the applicable terms and limits.
Fixed Deposit – Interest Rates
| 15 – 45 Days | 3.5% |
| 46 – 90 Days | 5% |
| 91 – 179 Days | 6% |
| 180 – 364 Days | 7% |
| 12 – 24 Months | 8% |
| 25 – 60 Months | 7.5% |
| Above 60 Months | 8% |
* Senior Citizens: Additional 0.50%
* Women: Additional 0.10%
(* 6 Months and above)
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Loans Facilities
- Gold Loans
- Mortgage Loan
- Housing Loan
- Business Loan
- Vehicle Loan
- Personal Loan
- Deposit Loan
- Education Loan
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Safe Deposit Locker
We are having 1200 lockers. Lockers are available at all the branches
We provide it to our customers at very low rental and ensure atmost safety & security and excellent services.
Key Benefits
- Safest place to store your valuables
- Privacy and confidentiality are preserved
- Protection from natural calamities
- You can appoint a nominee for smooth transferability
A Safe Deposit Locker is an ideal solution for anyone looking to safeguard their valuable possessions securely and conveniently.
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Savings Bank Account
The savings Bank accounts can be opened by the person/s who are competent to enter in to a valid agreement, in his / her name; by two or more persons in their joint names payable to : both or all of them or the survivor or survivors of them; OR either or any more of them or the survivor or the survivors of them; OR - former / latter or survivor of a particular person during his lifetime or survivors jointly or survivor.( Certain non-profit welfare organizations are also permitted to open Savings bank accounts with the Bank as stipulated in the RBI Master Circulars on Maintenance of Deposit Accounts). Minors can also open an account. Like all the accounts, SB accounts are also having the nomination facility , Rupay Debit card,IMPS,UPI etc.
Account Opening
Should submit the dully filled & signed Account opening form along with;
Specimen Signature.
Photograph of the A/C holder.
ID proof of operator as per KYC norms.( (a) Passport (b) Ration card containing Photograph (c) Driving License (d) PAN card (e) Voters Identity card (f) A ADAR by the Government of India.)
Address proof – electricity bill, telephone bill, passport or voter ID.
PAN card copy / Form 60 Initial deposit
Savings Bank Account is an ideal solution for anyone looking to save money securely while enjoying easy access to their funds.
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Current Account
Current accounts are Cheque operated accounts maintained for mainly business purposes. A Current account is ideal for carrying out day-to-day business transactions.
Eligibility
Hindu Undivided Families, Sole Proprietorship Firms, Partnership Firms, Limited Companies, Trust Accounts, Association / Clubs / Societies
Account Opening
Should submit the dully filled & signed Account opening form along with;
Specimen Signature.
Photograph of the operator.
ID proof of operator as per KYC norms.( (a) Passport (b) Ration card containing Photograph (c) Driving License (d) PAN card (e) Voters Identity card (f) AADAR issued by the Government of India.)
Address proof – Telephone bill, voter ID, Adhar or driving licence. Business proof from local body/ partnership deed / trust deed/ Articles of association / Registration Certificate / byelaws / minutes copy / authorisation letter Proper introduction Initial deposit
Minimum Balance
2000/- for cheque book account
Limit fixed in the Number of operation and amount: There is no limit for operation in the current account.
Insurance
Depositors along with insurance guarantee from DICGC up to 5 lakh
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RTGS / NEFT
Fast & safe fund trasfer facilities is provided by our bank.
A no complint service with at most accuracy & speed. at a meager commission to any bank, any where in India.
No service charges on Mobile Banking App.
- You may trasfer money from other Bank to ours and vise versa, convenently.
- Secure Transactions: Funds are transferred safely through the bank’s electronic network.
- Convenient: Initiate transfers online, via mobile banking, or at branch counters.
- 24/7 Access: NEFT is available round the clock, including weekends and holidays (for online transfers), while RTGS is available during bank working hours.
IMPS - Immediate Payment Service
IMPS services are quick and 24x7.
Available on Mobile Banking App.
No service charges.
IMPS money transfer can be done from other Bank to ours and vise versa.
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CTS Clearing
CTS (Cheque Truncation System) Clearing is an electronic process for clearing cheques between banks. Instead of physically moving cheques, CTS allows banks to transfer cheque images and data electronically, ensuring faster and more secure settlement.
Key Features:
- Faster Clearing: Cheque settlement is much quicker as physical movement of cheques is eliminated.
- Secure Process: Electronic images of cheques reduce the risk of loss, fraud, or damage during transit.
- Accurate Settlement: Automated processing minimizes errors in cheque clearing.
- Convenient for Customers: Cheques are credited to the beneficiary account faster, improving fund availability.
- Standardized System: CTS follows RBI guidelines, ensuring uniformity across all banks in India.
CTS Clearing is an efficient and secure method for processing cheques, offering speed and reliability to both banks and customers.