Clearing
CTS
Cheque Truncation System is an image-based cheque clearing process that replaces physical movement of paper cheques with secure electronic images.
- Faster cheque settlement with reduced manual handling.
- Secure electronic processing that lowers fraud risk.
- Earlier RBI continuous clearing supported same-day cheque clearing.
Cards
ATM
RuPay Debit Cards are offered for Savings Account and Proprietorship Current Account customers with easy cash access and digital usage limits.
- Cash withdrawal up to Rs. 20,000 per day across India.
- POS transactions up to Rs. 25,000 per day.
- E-Commerce transactions up to Rs. 10,000 per day.
- Own ATM machines at Shahupuri, Nagala Park, Peth Vadgaon, and Vashi, Navi Mumbai.
Transfers
RTGS / NEFT
RTGS and NEFT provide secure fund transfer facilities supported by RBI for large-value and routine payments.
- RTGS: minimum threshold of Rs. 2 lakhs and no upper limit.
- NEFT: available 24/7 with transfers starting from Rs. 1.
- The service is monitored and controlled by RBI.
Security
Lockers
Bank lockers are available for customers who need secure storage for valuables and important documents.
- Available at Branch Shahupuri, Kolhapur and Branch Karad.
- Shahupuri locker service runs 365 days from 10:30 AM to 5:00 PM.
- Karad locker service is available during regular banking hours except holidays.
Instant
IMPS
IMPS is an instant, 24/7 interbank transfer system used for quick money movement and real-time customer credit support.
- IMPS credit facility is available through our bank.
- Single transaction limit is up to Rs. 5,00,000.
- Works round the clock, including holidays.
Alerts
SMS Services
SMS alerts keep customers updated on transactions and also support OTP delivery for digital transactions.
- Transaction alerts for banking activity.
- OTP delivery for digital authentication and transactions.
- Helps customers stay informed and secure.
Subsidy
APBS
APBS is monitored by NPCI and is used to credit government-linked benefits directly into customer accounts.
- Supports subsidies and government benefit credits.
- Used for schemes such as PM KISAN and Ladaki Bahin Yojana.
- Direct credit helps improve speed and transparency.
Bills
BBPS
Bharat Bill Payment System, now branded as Bharat Connect, is a secure integrated platform for recurring bill payments.
- Pay electricity, telecom, DTH, gas, insurance, and school fees.
- Instant and secure payment experience through the RBI/NPCI ecosystem.
- Useful for recurring household and utility obligations.
Digital
QR Codes
QR codes are used for easy credit collection into savings, current, and loan accounts.
- Simple scan-and-pay convenience for customers and merchants.
- Supports credit entry into multiple account types.
- Fast, modern, and easy to use for everyday banking.
