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You have a wish, we have a perfect plan to help you fulfil it, and that too without any market risk. You heard it right, and that’s why we call it an iWish, your wish fulfilling deposit.
Whether it’s a dream car or a vacation or a financial goal in mind or a grand celebration, whatever you can think of can be fulfilled, you just need to start an iWish goal online and keep adding funds regularly. The good thing is you are not bound by any limits in terms of the amount of contribution you can make, so in a month if you wish to make a larger contribution then you can easily do so. You also earn stable returns similar to Recurring Deposit (RD).
So, what’s stopping you? Start financial planning for your goals.
With iWish give wings to your dreams.
Track your goals
Fund your iWish as and when you can
Change auto debit instruction
View all transactions
Fixed DepositOne time fixed investment |
Regular Recurring DepositA Regular but a compulsory investment of small amounts |
iWish Goal based savingsRegular investment with flexibility to save large or small amounts as per fund availability | |
|---|---|---|---|
| Goal based planning | |||
| Minimum Deposit amount | ₹10,000 | ₹500 | ₹50 |
| Next Deposit amount | Not allowed | Multiples of 100 | Any amount |
| Next Deposit date | Not Applicable | Fixed date every month | Any time |
| No penalty for missed deposits | Not Applicable | Penalty charged | No penalty |
| No. of deposits allowed in a month | Not Applicable | Once a month | Any number of times |
| Duration | 7 days to 10 years | 6 months to 10 years | 6 months to 5 years |
| Rate of interest | 2.50%-5.50% | 3.50%-5.50% | 3.5%-5.35% |
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For a particular tenure, interest rate is same in all three products |
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Rates of Interest (% p.a.) w.e.f October 21, 2020 INTEREST RATE CHART
*subject to revision without further notice
Rates of Interest (% p.a.) w.e.f October 21, 2020INTEREST RATE CHART
*subject to revision without further notice
iWish Goal Based Savings is a unique deposit which allows you to create goals to save for specific wishes. These goals are flexible Recurring Deposits with the added benefit of contributing any amount, at any point of time. You earn better interest rates on your Recurring Deposit just like a Fixed Deposit. For the rate of interest, click here.
iWish is a unique flexible Recurring Deposit which allows you to create goals to save for specific wishes.
You get added benefit of contributing any amount, at any point of time. You earn better interest rates on your Recurring Deposit just like a Fixed Deposit. To know the existing iWish interest rates, click here.
You can add money in your iWish Account through iMobile app and Internet Banking:
iMobile app:
Internet Banking:
You can also enable auto debit to set up Standing Instruction for the iWish of your choice.
To know the existing iWish interest rates, click here.
To open iWish, click here.
You can withdraw money mid way (premature) from iWish by closing your goal.
However in that case, you will earn interest at the rate corresponding to the period the goal is held with the bank and the applicable penalty will be charged for premature closure of goal. If an iWish Account is prematurely closed, then the interest on it will be earned for the period it is held with the bank minus the premature closure charges of 0.5% if original tenure is less than 1 year and 1% for more than 1 year.
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