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With a Smart Money Overdraft, not even a fixed deposit has to be fixed. If you have all your savings tied up in rupee or foreign currency time deposit (fixed deposit) and you need cash in hand fast at any time without withdrawing your time deposits, Smart Money is the solution for you.
Smart Money lets you enjoy the benefits of your time deposits, while giving you access to cash anytime you need it. One hundred percent of your time deposit keeps on earning interest while up to ninety percent of the time deposit value can be in your pocket through an overdraft.
Our Personal Exclusive Revolving Credit (PERC) provides you with a convenient means of having access to that extra cash. You have peace of mind knowing you have cash in hand of up to twice your monthly net salary as a revolving overdraft facility, so you are in control to cash in on those timely bargains, or meet any unexpected expenses.