- COVID-19 Precautionary Steps
  
  Considering COVID-19 we have taken precautionary steps demanded by the situation. Our branches will be open, with required hygiene measures and reduced staff.
- Revision in Savings Account Interest Rates
  
  Revision in Savings Account Interest rates effective April 01, 2022
- Customer Compensation and Protection Policy limiting the liability of customers in unauthorized electronic transactions is available under Bank Policies section for perusal of customers.
- Our Avinashi branch located at The Utkarsh BANK Ltd. Shop No 5/215 Rajan Nagar Opp to weekly Market, K K Pudur post Avinashi Taluk, Tirupur - 641654, will be closed w.e.f April 30, 2022. It is being merged with our Tirupur branch.
- Personal Banking
- Corporate Banking

Group Loans

Mean interest rates for retail loan products

Financial Year 2024-2025

Q1 FY 2024-25

MEAN INTEREST RATE FOR LOAN PRODUCT(%) OF MSME & HL FOR Q1 2024-25 (Individual)
Name of Scheme / Product	Minimum (%)	Maximum (%)	Mean Rate (%)
Utkarsh Grih Pragati	9.75	15	11.19
Utkarsh Grih Suvidha	10	14	11.18
Home Loan Plus	10	15	11.06
Utkarsh Grih Unnati	9.85	12	10.71
Utkarsh Grih Pride	9	13	10.82
Utkarsh Grih Saral	11	15.5	11.84
Utkarsh Grih Sudhar	10.2	14	11.81
Home Loans	9	15.5	10.96

Personal Loans PL	14.5	19	17.14
LAP Retail	10	19	12.49
BL Secured	12	12.5	12.20
LAP PRIME	10.25	12	11.15
LAP LOW LTV	11.75	18	13.52
LAP Advantage	11	16	12.38
LAP BT Multiplier	9.5	13.25	11.58
BL Advantage	15	17	16.52
LAP BT Multiplier for Existing Borrower	11	15	11.79
Loan for Purchase of Commercial Property	11	13.5	11.78
Utkarsh Elite	10.5	12.5	11.23
Business Loan BL	19	21	19.63
Micro Lap	17	19	18.72
MSME Loans	9.5	21	12.48


Grand Total	9	21	12.03

* Only individual borrowers has been considered
* Staff Personal Loan, Employee Housing Loan ,Non-Individuals has been excluded
* Cases disbursed during Q1 FY24 quarter has been considered

Q2 FY 2024-25

MEAN INTEREST RATE FOR LOAN PRODUCT(%) OF MSME & HL FOR Q2 2024-25 (Individual)
Name of Scheme / Product	Minimum (%)	Maximum (%)	Mean Rate (%)
Utkarsh Grih Saral	10.49	14.9	12.81
Utkarsh Grih Aadhar	13.5	14	13.78
Utkarsh Grih Unnati	10	12.95	10.92
Utkarsh Grih Pride	10	12.5	11.01
Utkarsh Grih Pragati	9.75	15	11.31
Home Loan Plus	10.25	13.5	11.40
Utkarsh Grih Suvidha	10.2	13	11.24
Utkarsh Grih Sudhar	11.5	14	12.45
Home Loans	9.75	15	11.14

Personal Loans PL	14	15	14.77
LAP Retail	10	21	12.65
BL Secured	12	13.75	12.91
LAP PRIME	10.25	13	11.74
LAP LOW LTV	10.8	15	13.42
LAP Advantage	10.75	15	12.37
LAP BT Multiplier	10.5	15	11.65
BL Advantage	13	17.01	15.74
LAP BT Multiplier for Existing Borrower	11	12.5	11.55
Loan for Purchase of Commercial Property	11.5	13	11.86
Utkarsh Elite	10.5	12.5	11.50
Business Loan BL	17	21	19.18
Micro Lap	17	20	18.83
Utkarsh Lease Secure	11	11	11
MSME Loans	10	21	12.71


Grand Total	9.75	21	12.27

* Only individual borrowers has been considered
* Staff Personal Loan, Employee Housing Loan ,Non-Individuals has been excluded
* Cases disbursed during Q2 FY24 quarter has been considered

Financial Year 2023-2024

Q1 FY 2023-24

MEAN INTEREST RATE FOR LOAN PRODUCT(%) OF MSME & HL FOR Q1 2023-24 (Individual)
Name of Scheme / Product	Minimum (%)	Maximum (%)	Mean Rate (%)
Utkarsh Grih Pragati	9.75	13.5	10.77
Home Loan Plus	9.25	14	10.75
Utkarsh Grih Pride	9.5	10.75	10.08
Utkarsh Grih Unnati	9.1	12.5	10.33
Utkarsh Grih Sudhar	10	12	10.72
Utkarsh Grih Suvidha	10	11.06	10.33
Home Loans	9.1	13.5	10.51

Micro Lap	17	18	17.82
Utkarsh Lease Secure	10.15	10.15	10.15
Utkarsh Smart Business	10	13	11.00
LAP Retail	10	18	12.00
LAP BT Multiplier	10	15	11.21
BL Secured +	10	16	11.32
LAP Advantage	10	16	11.42
LAP LOW LTV	10	17	12.30
LAP BT Multiplier for Existing Customer	10	18	11.24
Utkarsh Elite	9.95	12.5	10.97
Loan for Purchase of Commercial Property	10	13	11.45
Business Loan	16	19	17.87
Personal Loans	14	18	14.86
LAP PRIME	10	12.75	10.64
BL Advantage	10.5	16	13.82
Business Loan Plus	18	18	18.00
MSME Loans	9.95	19	11.67


Grand Total	9.1	19	11.09

* Only individual borrowers has been considered
* Staff Personal Loan, Employee Housing Loan ,Non-Individuals has been excluded
* Cases disbursed during Q1FY24 quarter has been considered

Q2 FY 2023-24

MEAN INTEREST RATE FOR LOAN PRODUCT(%) OF MSME & HL FOR Q2 2023-24 (Individual)
Name of Scheme / Product	Minimum (%)	Maximum (%)	Mean Rate (%)
Utkarsh Grih Pragati	9	14.1	10.83
Home Loan Plus	9.4	13.5	11.32
Utkarsh Grih Pride	9.75	10.8	10.09
Utkarsh Grih Unnati	9.1	12.25	10.55
Utkarsh Grih Sudhar	8.25	13.5	11.12
Utkarsh Grih Suvidha	10	11.5	10.72
Home Loans	8.25	14.1	10.63

Micro Lap	18	19	18.79
Utkarsh Lease Secure	10.25	10.51	10.29
Utkarsh Smart Business	10.54	12	11.04
LAP Retail	10.3	18	12.15
LAP BT Multiplier	10	15	11.10
BL Secured +	10.4	14	11.44
LAP Advantage	10	17	11.57
LAP LOW LTV	10.5	16	12.44
LAP BT Multiplier for Existing Customer	10	15.5	11.22
Utkarsh Elite	11	12.5	11.38
Loan for Purchase of Commercial Property	11	13.75	11.66
Business Loan	16	19	17.64
Personal Loans	15	18	16.49
LAP PRIME	10	12	10.92
BL Advantage	10.5	18	15.15
Business Loan Plus	17	18	17.78
MSME Loans	10	19	11.79


Grand Total	8.25	19	11.21

* Only individual borrowers has been considered
* Staff Personal Loan, Employee Housing Loan ,Non-Individuals has been excluded
* Cases disbursed during Q2FY24 quarter has been considered

Q3 FY 2023-24

MEAN INTEREST RATE FOR LOAN PRODUCT(%) OF MSME & HL FOR Q3 2023-24 (Individual)
Name of Scheme / Product	Minimum (%)	Maximum (%)	Mean Rate (%)
Home Loan Plus	10	16	11.62
Utkarsh Grih Aadhar	13	13	13.00
Utkarsh Grih Pragati	9	15	11.09
Utkarsh Grih Pride	9	11	10.18
Utkarsh Grih Saral	12.5	13.1	12.90
Utkarsh Grih Sudhar	10	12.5	10.51
Utkarsh Grih Suvidha	10	12.5	11.08
Utkarsh Grih Unnati	9.35	13	10.70
Home Loans	9	16	10.84

Personal Loans PL	14	14	14.00
LAP Retail	10	19	12.21
BL Secured	11.25	12.75	11.50
LAP PRIME	10.5	12.75	10.53
LAP LOW LTV	11	16	12.86
LAP Advantage	10.15	15.5	11.79
LAP BT Multiplier	11	14	11.84
BL Advantage	13	17	15.54
LAP BT MULTIPLIER FOR EXISTING BORROWER	10.35	13	11.40
Loan for Purchase of Commercial Property	10.5	13.5	11.56
UTKARSH ELITE	10	12.5	11.15
BUSINESS LOAN PLUS	15	15	15.00
BUSINESS LOAN BL	18	18	18.00
MICRO LAP	19	19	19.00
MSME Loans	10	19	12.12


Grand Total	9	19	11.76

* Only individual borrowers has been considered
* Staff Personal Loan, Employee Housing Loan ,Non-Individuals has been excluded
* Cases disbursed during Q3FY24 quarter has been considered

Q4 FY 2023-24

MEAN INTEREST RATE FOR LOAN PRODUCT(%) OF MSME & HL FOR Q4 2023-24 (Individual)
Name of Scheme / Product	Minimum (%)	Maximum (%)	Mean Rate (%)
Home Loan Plus	9.5	15	11.05
Utkarsh Grih Aadhar	13	13	13.00
Utkarsh Grih Pragati	9	14	11.18
Utkarsh Grih Pride	9	11.75	9.98
Utkarsh Grih Saral	14	15.5	14.86
Utkarsh Grih Sudhar	10.2	13.5	11.78
Utkarsh Grih Suvidha	10.25	12	11.09
Utkarsh Grih Unnati	9.35	12.5	10.46
Home Loans	9	15.5	10.64

Personal Loans PL	14	18	15.88
LAP Retail	10	18	11.96
BL Secured	12	12	12.00
LAP PRIME	10	12	10.28
LAP LOW LTV	10.5	15.5	12.47
LAP Advantage	10.5	17	11.94
LAP BT Multiplier	9.5	13.5	10.99
BL Advantage	13.5	19	16.13
LAP BT MULTIPLIER FOR EXISTING BORROWER	10	14.75	11.07
Loan for Purchase of Commercial Property	10	14	11.36
UTKARSH ELITE	10.5	13	11.26
BUSINESS LOAN PLUS	16	16	16.00
BUSINESS LOAN BL	19	19	19.00
MICRO LAP	18.25	19	18.84
Utkarsh Lease Secure	11	12	11.40
MSME Loans	9.5	19	11.77


Grand Total	9	19	11.47

* Only individual borrowers has been considered
* Staff Personal Loan, Employee Housing Loan ,Non-Individuals has been excluded
* Cases disbursed during Q4FY24 quarter has been considered

Financial Year 2022-2023

Q1 FY 2022-23

MEAN INTEREST RATE FOR LOAN PRODUCT OF MSME & HL FOR Q1 2022-23 (Individual)
Name of Scheme / Product	Minimum (%)	Maximum (%)	Mean Rate (%)
Home Loan Plus	7.65	13	11.02
Utkarsh Grih Aadhar	10.5	10.5	10.50
Utkarsh Grih Pragati	7.5	13	10.51
Utkarsh Grih Pride	7	11	8.94
Utkarsh Grih Saral	12	12	12.00
Utkarsh Grih Sudhar	10.75	10.75	10.75
Utkarsh Grih Suvidha	9.5	10.25	9.92
Utkarsh Grih Unnati	8.1	11	9.77
Home Loan	7	13	10.48

BL Advantage	13	18	16.25
LAP Advantage	9.5	16	12.52
LAP BT Multiplier	12	14	12.40
LAP BT MULTIPLIER FOR EXISTING BORROWER	9.8	12	10.96
LAP LOW LTV	10.5	14	12.88
LAP PRIME	9	10	9.50
LAP Retail	9.75	21	13.86
LPCP	10.3	12	11.08
Personal Loans (PL)	17	18	17.90
Small Business Loan	16	21	18.75
Utkarsh Lease Secure	10	10	10.00
MSME loans	9	21	13.55


Grand Total	7	21	12.07

* Only individual borrowers has been considered
* Staff Personal Loan, Employee Housing Loan ,Non-Individuals has been excluded
* Cases disbursed during Q2FY22 quarter has been considered

Q2 FY 2022-23

MEAN INTEREST RATE FOR LOAN PRODUCT OF MSME & HL FOR Q2 2022-23 (Individual)
Name of Scheme / Product	Minimum (%)	Maximum (%)	Mean Rate (%)
Home Loan Plus	8.00	14.00	10.74
Utkarsh Grih Aadhar	13.00	13.00	13.00
Utkarsh Grih Pragati	8.50	13.00	10.28
Utkarsh Grih Pride	8.50	10.25	9.07
Utkarsh Grih Saral	12.00	13.00	12.24
Utkarsh Grih Sudhar	10.50	10.50	10.50
Utkarsh Grih Suvidha	9.90	12.00	10.28
Utkarsh Grih Unnati	8.00	11.00	9.56
Home Loan	8.00	14.00	10.71

BL Advantage	14	18	16.69
BL Secured	15	15	15
LAP Advantage	10	15	11.44
LAP BT Multiplier	10	14	10.94
LAP BT MULTIPLIER FOR EXISTING BORROWER	10	16	11.06
LAP LOW LTV	10	17	12.32
LAP Retail	10	19	12.03
Loan for Purchase of Commercial Property	10.50	15	11.72
Personal Loan	14	18	16.61
Small Business Loan	18	18	18
Utkarsh Elite	12	12	12
Utkarsh Lease Secure	10	10	10
MSME loans	10	19	13.15


Grand Total	8	19	11.93

* Only individual borrowers has been considered
* Staff Personal Loan, Employee Housing Loan ,Non-Individuals has been excluded
* Cases disbursed during Q2 FY23 quarter has been considered

Q3 FY 2022-23

MEAN INTEREST RATE FOR LOAN PRODUCT OF MSME & HL FOR Q3 2022-23 (Individual)
Name of Scheme / Product	Minimum (%)	Maximum (%)	Mean Rate (%)
Home Loan Plus	8.80	13.25	10.61
Utkarsh Grih Aadhar	12.00	13.00	12.23
Utkarsh Grih Pragati	9	13	10.19
Utkarsh Grih Pride	8.50	10.50	9.07
Utkarsh Grih Sudhar	9.90	10.50	10.20
Utkarsh Grih Suvidha	9.30	10.85	10.44
Utkarsh Grih Unnati	8.10	11.50	9.65
Home Loan	8.10	13.25	10.34

BL Advantage	14	17	15.21
BL Secured	10.50	10.50	10.50
BL Secured+	10.75	10.75	10.75
Business Loan	18	21	18.82
Guaranteed Emergency Credit Line	9.25	9.25	9.25
LAP Advantage	10.25	15	11.88
LAP BT Multiplier	9.25	13	10.50
LAP BT MULTIPLIER FOR EXISTING BORROWER	10	16	10.62
LAP LOW LTV	10.25	16	11.91
LAP Prime	10.50	11	10.65
LAP Retail	10	18	11.89
Loan for Purchase of Commercial Property	10.35	12	10.94
MICRO LAP	18	18	18
Personal Loan	14	19	15.54
Utkarsh Elite	9.75	11.25	9.95
Utkarsh Lease Secure	11	11	11
MSME loans	9.25	21	12.34


Grand Total	8.10	21	11.34

* Only individual borrowers has been considered
* Staff Personal Loan, Employee Housing Loan ,Non-Individuals has been excluded
* Cases disbursed during Q2 FY23 quarter has been considered

Q4 FY 2022-23

MEAN INTEREST RATE FOR LOAN PRODUCT OF MSME & HL FOR Q4 2022-23 (Individual)
Name of Scheme / Product	Minimum (%)	Maximum (%)	Mean Rate (%)
Home Loan Plus	9.50	13.00	10.60
Utkarsh Grih Sudhar	9.90	11.00	10.40
Utkarsh Grih Aadhar	13.00	13.00	13.00
Utkarsh Grih Pragati	8.75	13.00	10.18
Utkarsh Grih Pride	8.70	10.35	9.38
Utkarsh Grih Suvidha	9.95	10.75	10.29
Utkarsh Grih Unnati	8.75	11.00	9.78
Home Loan	8.70	13.00	9.84

Personal Loans	14.00	19.00	16.15
LAP Retail	10.00	19.00	11.51
BL Secured+	10.50	10.50	10.50
LAP PRIME	12.00	12.00	12.00
Guaranteed Emergency Credit Line	9.25	9.25	9.25
LAP Low LTV	10.50	15.00	11.48
LAP Advantage	10.00	15.00	11.22
LAP BT MULTIPLIER	9.75	13.00	10.50
BL Advantage	12.00	16.00	14.15
LAP BT Multiplier For Existing Borrower	10.50	16	11.11
LPCP	10.75	12.00	11.03
Utkarsh Lease Secured	10.00	10.15	10.14
Utkarsh Elite	9.95	12.00	10.40
Business Loan	18.00	19.00	18.31
Micro Lap	18.00	18.00	18.00
MSME loans	9.25	19.00	11.33


Grand Total	8.70	19.00	10.58

* Only individual borrowers has been considered
* Staff Personal Loan, Employee Housing Loan ,Non-Individuals has been excluded
* Cases disbursed during Q2 FY23 quarter has been considered

Financial Year 2021-2022

Q1 FY 2021-22

MEAN INTEREST RATE FOR LOAN PRODUCT OF MSME & HL FOR Q1 2021-22 (Individual)
Name of Scheme / Product	Minimum (%)	Maximum (%)	Mean Rate (%)
Home Loan Plus	10.5	12.08	11.21
Utkarsh Grih Pragati	9.83	12.5	10.67
Utkarsh Grih Pride	10.18	10.18	10.18
Utkarsh Grih Sudhar	11	12.25	11.42
Utkarsh Grih Suvidha	9.83	10.18	10.01
Utkarsh Grih Unnati	10	10.6	10.37
Home Loan	9.83	12.5	10.74

BL Advantage	15	17	15.90
LAP Advantage	9.5	15	12.42
LAP BT Multiplier	11.5	13	12.00
LAP LOW LTV	11	14	12.94
LAP PRIME	9	9	9.00
LAP Retail	10.75	21	14.01
Personal Loans (PL)	14	18	17.29
Small Business Loan	14	19	18.74
Small Business Loan(UP To 5 L)	20	21	20.94
MSME loans	9	21	15.32

Grand Total	9	21	13.54

* Only individual borrowers has been considered
* Staff Personal Loan, Employee Housing Loan ,Non-Individuals has been excluded
* Cases disbursed during Q2FY22 quarter has been considered

Q2 FY 2021-22

MEAN INTEREST RATE FOR LOAN PRODUCT OF MSME & HL FOR Q2 2021-22 (Individual)
Name of Scheme / Product	Minimum (%)	Maximum (%)	Mean Rate (%)
Home Loan Plus	10	13.5	11.36
Utkarsh Grih Aadhar	11.75	11.75	11.75
Utkarsh Grih Pragati	9	13	10.62
Utkarsh Grih Pride	10	10.1	10.03
Utkarsh Grih Saral	10.5	10.5	10.50
Utkarsh Grih Sudhar	11	11	11.00
Utkarsh Grih Suvidha	10.5	10.5	10.50
Utkarsh Grih Unnati	10	10.6	10.37
Home Loan	9	13.5	10.68

BL Advantage	17	18	17.13
LAP Advantage	9.55	14	12.58
LAP BT Multiplier	9.75	14	12.16
LAP LOW LTV	11	14	12.98
LAP Retail	9.5	21	14.05
Loan for Purchase of Commercial Property (LPCP)	12	14	13.00
Personal Loans (PL)	14	18	17.50
Small Business Loan	14	19	18.39
Small Business Loan(UP To 5 L)	14	21	19.25
Utkarsh Lease Secure	10.25	10.25	10.25
MSME loans	9.5	21	12.52

Grand Total	9	21	12.52

* Only individual borrowers has been considered
* Staff Personal Loan, Employee Housing Loan ,Non-Individuals has been excluded
* Cases disbursed during Q2FY22 quarter has been considered

Q3 FY 2021-22

MEAN INTEREST RATE FOR LOAN PRODUCT OF MSME & HL FOR Q3 2021-22 (Individual)
Name of Scheme / Product	Minimum (%)	Maximum (%)	Mean Rate (%)
Home Loan Plus	8.25	13.25	10.83
Utkarsh Grih Aadhar	12.25	12.25	12.25
Utkarsh Grih Pragati	8.75	13	10.53
Utkarsh Grih Pride	6.9	7.5	7.20
Utkarsh Grih Saral	9	13	11.10
Utkarsh Grih Sudhar	9	9	9.00
Utkarsh Grih Suvidha	9	11	10.44
Utkarsh Grih Unnati	7	11	9.66
Home Loan	6.9	13.25	10.49

BL Advantage	15	18	16.82
LAP Advantage	11	14	12.83
LAP BT Multiplier	12.5	13	12.88
LAP LOW LTV	11	14	12.95
LAP Retail	9.5	19	13.89
Loan for Purchase of Commercial Property	11.5	13.5	12.67
Personal Loans (PL)	14	18	17.32
Small Business Loan	19	19	19.00
Utkarsh Lease Secure	11	11	11.00
MSME loans	9.5	19	14.04

Grand Total	6.9	19	12.12

* Only individual borrowers has been considered
* Staff Personal Loan, Employee Housing Loan ,Non-Individuals has been excluded
* Cases disbursed during Q2FY22 quarter has been considered

Q4 FY 2021-22

MEAN INTEREST RATE FOR LOAN PRODUCT OF MSME & HL FOR Q4 2021-22 (Individual)
Name of Scheme / Product	Minimum (%)	Maximum (%)	Mean Rate (%)
Home Loan Plus	7.5	13	10.97
Utkarsh Grih Pragati	6.75	13	10.40
Utkarsh Grih Pride	6.75	9	7.54
Utkarsh Grih Saral	10.5	11	10.83
Utkarsh Grih Sudhar	10.5	10.5	10.50
Utkarsh Grih Suvidha	9	11	10.25
Utkarsh Grih Unnati	6.9	11	9.34
Home Loan	6.75	13	10.26

BL Advantage	15	18	16.59
LAP Advantage	9.5	14	12.21
LAP BT Multiplier	8	13	11.04
LAP LOW LTV	10	14	12.88
LAP PRIME	10	11.15	10.58
LAP Retail	9.5	21	14.46
Personal Loans (PL)	14	18	17.60
Small Business Loan	14	19	17.13
MSME loans	8	21	14.14


Grand Total	6.75	21	12.36

* Only individual borrowers has been considered
* Staff Personal Loan, Employee Housing Loan ,Non-Individuals has been excluded
* Cases disbursed during Q2FY22 quarter has been considered

Financial Year 2021-2022 - Q4
Name of Scheme / Product	Minimum (%)	Maximum (%)	Mean Rate (%)
Utkarsh Gold Loan	12	17	16.15

* Aforesaid is excluding Employee gold loan

Financial Year 2022-2023 - Q1
Name of Scheme / Product	Minimum (%)	Maximum (%)	Mean Rate (%)
Utkarsh Gold Loan	11	19	15.10

* Aforesaid is excluding Employee gold loan

Financial Year 2022-2023 - Q2
Name of Scheme / Product	Minimum (%)	Maximum (%)	Mean Rate (%)
Utkarsh Gold Loan	11	19	15

* Aforesaid is excluding Employee gold loan

Financial Year 2022-2023 - Q3
Name of Scheme / Product	Minimum (%)	Maximum (%)	Mean Rate (%)
Utkarsh Gold Loan	11.5	22	14

* Aforesaid is excluding Employee gold loan

Financial Year 2022-2023 - Q4
Name of Scheme / Product	Minimum (%)	Maximum (%)	Mean Rate (%)
Utkarsh Gold Loan	11.80	19	13

* Aforesaid is excluding Employee gold loan

Financial Year 2023-2024 - Q1
Name of Scheme / Product	Minimum (%)	Maximum (%)	Mean Rate (%)
Utkarsh Gold Loan	12	20	14.5

* Aforesaid is excluding Employee gold loan

Financial Year 2023-2024 - Q2
Name of Scheme / Product	Minimum (%)	Maximum (%)	Mean Rate (%)
Utkarsh Gold Loan	12	19	14.9

* Aforesaid is excluding Employee gold loan

Financial Year 2023-2024 - Q3
Name of Scheme / Product	Minimum (%)	Maximum (%)	Mean Rate (%)
Utkarsh Gold Loan	12.28	19	12.40

* Aforesaid is excluding Employee gold loan

Financial Year 2023-2024 - Q4
Name of Scheme / Product	Minimum (%)	Maximum (%)	Mean Rate (%)
Utkarsh Gold Loan	12.41	20	12.89

* Aforesaid is excluding Employee gold loan

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COVID-19 Precautionary Steps

Revision in Savings Account Interest Rates