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Registered Office:
19-A Dhuleshwar Garden,
Ajmer Road, Jaipur,
Rajasthan – 302001.
Corporate Office:
5th Floor, E Wing, Kanakia Zillion, Junction of CST and LBS Road, Kurla West, Mumbai, Maharashtra – 400070.
5th Floor, E Wing, Kanakia Zillion, Junction of CST and LBS Road, Kurla West, Mumbai, Maharashtra – 400070.
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Get answers to all your queries
What is Fincare Mobile Banking?
Fincare Mobile Banking is an application that enables you to bank anytime, anywhere using your mobile phone.
Can I avail Fincare Mobile Banking Facility?
If you are a Fincare customer with a savings account, current account or standalone loan or deposit account, you can take advantage of this mobile banking facility.
Why should I apply for it?
You can access your banking information and perform transactions on your savings, current, and loan accounts. Also able to open deposit accounts , make bill payments, invest in mutual funds and shares etc.
How should I register for Fincare Mobile Banking?
You can register for mobile banking through one of the following methods:
- During the account opening process at a bank branch.
- By contacting Customer Care via phone.
- Via “Internet Banking”.
What is debit card?
A debit card is a payment card that allows you to make electronic transactions to access the funds in your bank account. When you use a debit card to make a purchase, the amount is immediately deducted from your checking or savings account. Debit cards are widely accepted for various financial transactions.
What is personal identification number(PIN)?
A PIN is a unique four digit numeric password that is assigned to every card holder. Always keep you PIN confidential and don’t share it with anyone.
What can I do if I forgot my card pin?
In case you forgot the PIN, you can call Fincare SFB customer care number 1800-313-313 to reset the PIN or you can reset your PIN through Fincare Mobile Banking App.
Can I use my card if I don’t have money in my account?
No, Card users can only spend the money available in their bank account.
What can I do if my card is stolen?
Block your debit card instantly via Fincare mobile banking/ WhatsApp Banking or by calling at 1800-313-313.
What are the types of debit card?
There are two types of debit card i.e., Physical and Virtual debit card.
To whom virtual debit card will be issued?
Only for online account holders (101 Account holders).
What is the Eligibility Criteria to open a FD?
Smart Fixed Deposit can be opened either as single holder or joint holder saving deposit or for entities
What is the insurance cover for deposits?
All bank deposits are covered under the insurance scheme offered by Deposit Insurance and Credit Guarantee Corporation of India (DICGC) subject to certain limits and conditions. The details of the insurance cover in force, will be made available to the depositor as and when requested.
What is the TDS on interest earned?
- Tax on interest earned on a fixed deposit shall be deducted at source on each interest payment /credit whichever earlier and on interest accrued on March 31 of every year as per the Provisions of Sec 194A of Income Tax Act 1961., if the total interest from all FDs with the bank for the financial year exceeds ₹ 40,000 (as specified by the income tax act).
- TDS certificate for the amount deducted shall be issued by the bank every quarter.
- For no tax deduction at source individuals having PAN must submit form 15G/H at the beginning of every financial year. If not submitted- TDS will be deducted.
- In case customer wants to Submit Form 15G/H in mid of the month/year, 5th of every month would be taken for consideration. Till the date of receipt of 15G/H, TDS would be deducted, and balance period Exemption would be marked from the month of submission to 31st March.
- Please note that TDS will be Exempted only up to the maximum of the income tax slab, i.e., interest income up to ₹ 2.50 Lakhs for individual for individual and ₹ 5.00 Lakhs for Senior Citizen( Taxable Income after all deductions and rebates).
- In-case of a joint FD, TDS will be deducted in the name of the first account holder.
- For Minor Accounts Guardian’s PAN will be considered for TDS.
How do I apply?
Please fill out this link. We will get in touch with you soon.
What documentation do I require?
As per KYC norms of the bank. For account opening, an Aadhar and PAN card would suffice.
What are the interest payment options and frequency?
- Customer will be given the option of cumulative interest (compounding) at the end of every quarter, or payout at the end of every month, or payout at the end of every quarter
- Customer has to convey his/her option at the time of opening the account. No changes shall be allowed at a later date.
- Default option is cumulative interest, with interest being compounded quarterly
- Any interest payouts to customers will be net of TDS.
What is Form 15G/H?
Form 15G/H is a declaration which a customer can submit to ensure that the tax is not deducted at source on the interest income if s/he meets the applicable conditions. Additionally, the customer should also have a Permanent Account Number (PAN) before claiming a tax deduction through Form 15G/H.
Type of Form
Form 15G
Statement of Declaration under section 197A (1) and section 197A (1A) by an individual claiming certain incomes without deduction of tax.
Form 15H
Statement of Declaration under section 197A(1C) by an individual who is of the age of sixty years or more claiming certain incomes without deduction of tax.
What is the difference between Form 15G/H?
The main difference between Form 15G and Form 15H is that Form 15G is meant for non-senior citizens, whereas form 15H is meant for senior citizens only (60 Years and above).
Is there any time limit for submitting Form 15G/H?
There is no time limit or due date for submitting Form 15G/H to Fincare Small Finance Bank (FSFB). However, it is advisable to submit it at the beginning of the financial year (i.e., April 01st ) or as and when the new deposit is created.
What are the pre-requisites for Submitting Form 15G/H?
The date of birth (DoB) and PAN should be updated in your FSFB account(s) in the bank’s records. As per Central Board of Direct Taxes (CBDT) circular number 03/11, in the absence of PAN, Form 15G/H and other exemption certificates submitted will be invalid and penal TDS will be applicable.
When is TDS liable to be deducted?
TDS is to be deducted when the interest income earned exceeds ₹ 40,000 in a financial year for all resident Non Senior Citizen Customers, In case of resident senior citizens, TDS is to be deducted when the interest income earned exceeds ₹ 50,000 in a financial year.
What is the time frame during which Form 15G/H are valid?
Form 15G/H are valid for one financial year ending on March 31st of every year. So, customer needs to submit these forms every year if they are eligible. Submitting them as soon as the financial year starts will ensure non-deduction of any TDS on the interest income earned.
Does filing of Form 15G/H mean that interest income is not taxable?
Yes, Form 15G/H are only a declaration that no TDS will be deducted on your interest income.
Who are all not eligible for Submission of Form 15G/H?
- Company (Both Public and Private Ltd)
- Partnership Firm.
- Foreign National
- Non Resident Indian (NRI)
Is the threshold of ₹40,000 / ₹50,000 (interest income earned) calculated individually or in aggregate across the branches?
The threshold of ₹ 40,000 (interest income earned) is to be calculated in aggregate, i.e., the interest income earned from all the deposits from all the branches across the FSFB are to be included while calculating the threshold of ₹ 40,000. (For resident senior citizens, the threshold applicable is ₹ 50,000). This is at the PAN level across all branches of the Bank.
What recourse to be taken by the customer, if s/he fails to submit the form and TDS is deducted?
The only way to seek refund of excess TDS deducted is by filing your income tax return. The TDS that is deducted before the form is submitted will not be refunded by the FSFB, as the FSFB would have already remitted it to the income tax department. Income tax department will refund the TDS deducted, after you file an income tax return.
Whether Fincare SFB depositor needs to visit the nearest branch to provide the Form 15G/H, if not already shared.
No, FSFB Depositor can download the forms which is available in the “Forms Centre” on our website www.fincarebank.com and fill in the part 01 of Form 15G/ H and dispatch it to the below mentioned address.
I have opened a 101 First Account. I want to migrate to 101 ...
Firstly, great decision! The 101 Priority Account is an ₹ 25,000 balance account and comes with multiples free transactions, waivers and facilities that are normally charged for lower balance accounts. Some of the features and benefits exclusive to 101 Priority include:
- 50 transactions per month free across IMPS, NEFT, RTGS* and across any of the bank’s channels (online, branch, etc.)
- 12 free ATM transactions (financial/non-financial) per month *
- * Applicable for Physical Debit card
- Average Minimum Balances can be waived off if the customer has placed an FD of ₹ 1 Lakh or higher with the Bank
- Cheque issue return insufficient funds: 1 instance per month waived off
- Cheque issue return technical issue: 1 instance per month waived off
- Stop Payment per Cheque: 1 instance per month waived off
- Stop Payment Cheque Series: 1 instance per month waived off
Why should I go for a 101 Priority Account?
The 101 Priority Account is an ₹10,000 balance account, which comes with multiples free transactions, waivers and facilities that are normally charged for lower balance accounts. Some of the features and benefits exclusive to 101 Priority include:
- 50 transactions per month free across IMPS, NEFT, RTGS* and across any of the bank’s channels (online, branch, etc.)
- 12 free ATM transactions (financial/non-financial) per month *
- * Applicable for Physical Debit card
- Average Minimum Balances can be waived off if the customer has placed an FD of ₹ 20K or higher with the Bank
- Cheque issue return insufficient funds: 1 instance per month waived off
- Cheque issue return technical issue: 1 instance per month waived off
- Stop Payment per Cheque: 1 instance per month waived off
- Stop Payment Cheque Series: 1 instance per month waived off
Why should I go for a 101 Priority Plus Account?
The 101 Priority Account is an ₹ 25,000 balance account, which comes with multiples free transactions, waivers and facilities that are normally charged for lower balance accounts. Some of the features and benefits exclusive to 101 Priority include:
- 50 transactions per month free across IMPS, NEFT, RTGS* and across any of the bank’s channels (online, branch, etc.)
- 15 free ATM transactions (financial/non-financial) per month *
- * Applicable for Physical Debit card
- Average Minimum Balances can be waived off if the customer has placed an FD of ₹50K or higher with the Bank
- Cheque issue return insufficient funds: 1 instance per month waived off
- Cheque issue return technical issue: 1 instance per month waived off
- Stop Payment per Cheque: 1 instance per month waived off
- Stop Payment Cheque Series: 1 instance per month waived off
Who can avail the Small Business Loans?
- Self Employed Professionals
- Small Businessmen & Service Professionals
- Firms under Proprietorship structure
- Partnership Firms
- Private Limited Companies
- Salaried Individuals
What is the purpose for which Small Business Loans can be used?
Working Capital/ Business Expansion, Asset purchase Renovation / Extension of House / Office / Shop / Factory, Debt consolidation, Education.
What type of collateral can be accepted for LAP?
Residential and commercial.
What is the loan size available for Small Business Loans?
₹ 1.5 Lakhs to ₹ 50 Lakhs.
What Products are offered under LAP?
- Term Loan
- Combination of Term Loan & Overdraft
- Balance Transfer
What is the maximum tenure for Small Business Loans?
120 months (10 years).
Ways to apply for LAP?
A prospective client can apply for LAP through following ways:
- Filling in online application form
- Contacting through the phone number or email id provided on website.
- Visiting our nearest branch
- Existing liability customer can also apply by getting in touch with the RO
Banking is effortless with Fincare mobile app
- Simplified payments
- Set transaction limit, Change PIN, Block card in a click
- Get complete control of your account on your mobile
- Easier bill payments, recharge and much more
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