வைப்பு நிதியின் கண்ணோட்டம்

நிச்சயமற்ற இந்த காலகட்டத்தில், கடினமாக உழைத்து சம்பாதித்த உங்கள் பணத்தை பத்திரமான
மற்றும் பாதுகாப்பான நிரந்தர வைப்புத்தொகை மூலம் அதிகம் பெறுங்கள்.
மஹிந்திரா ஃபைனான்ஸ் நிரந்தர வைப்புகள், இண்ட் ஏஏஏ ஆல் குறிப்பிடப்பட்ட மிக உயர்ந்த
பாதுகாப்புடன் சிறந்த வட்டி விகிதங்கள் / இந்தியா மதிப்பீடுகள் மற்றும் ஆம்ப் மூலம் “IND AAA/Stable”; CRISIL மதிப்பீடு மூலம் CRISIL AAA/Stable
வழங்குகிறது.
அதனால்தான் நிலையான வைப்புகளை #EvergreenHai என்கிறோம்.

குழு பாதுகாப்பிற்கு - கொள்கை விதிமுறைகள் மற்றும் நிபந்தனைகள்

FAQs

+What are the schemes offered by MMFSL Fixed Deposit?

+What is the difference between a Non-cumulative Fixed deposit and a Cumulative deposit?

+Who can invest in MMFSL Fixed Deposit?

+What is the process to open a Fixed Deposit via online mode?

+What is the process to open a Fixed Deposit via offline mode?

+What are the various modes through which I can make my payment?

+Are there any special rates applicable for specific category of applicants?

+Can a joint Deposit account be opened?

+Can a Deposit be placed in the name of a Minor?

+Can a Power of Attorney (POA) holder sign the Deposit Application Form?

+What are options for Renewal of a Cumulative Deposit Receipt?

+Are there any additional benefits on renewal of FD?

+What is the procedure for Renewal of my Fixed Deposit?

+What is the procedure for Revalidation of my Cheque/ DD or Unclaimed payments?

+MMFSL has changed the FD rates. Will those new rates be applicable for my existing deposits?

+What are the service facilities at MMFSL that will be offered to me?

+Does MMFSL Fixed Deposit investment provide tax exemption?

+When will the TDS be applicable on my Fixed Deposit investment?

+When can I submit Form 15G/H for non- deduction of TDS?

+What are the various modes through which I can submit Form 15G/H?

+When will MMFSL issue a TDS certificate?

+When will MMFSL issue an Interest certificate?

+When is TDS deducted in case of MMFSL Fixed Deposit?

+Do I need to visit branch or submit the Fixed Deposit receipt to receive the proceeds on maturity?

+What is the process to apply for Premature/ pre-closure withdrawal?

As the money is locked in a specific period the deposits cannot be withdrawn at the will of the depositor, except in specific scenarios in which the depositor is ready to bear the penalty for premature withdrawal. There is no penalty charged in case of Death premature withdrawals (Death of the 1st Holder).

For premature closure, you need to submit the Original FDR with a revenue stamp and cross signature of all holders (rear/back of the FDR) (xerox copy in case of E-receipt) and a request letter specifying the reason along with personalised cheque leaf copy at the nearest office ( Mumbai – Head Office or Chennai Processing centre).

The pre-closure procedure will take 5-6 working days to process the payment after the receipt of the documents.

Penalty Chart for premature withdrawal.

 The FDR cannot be pre-closed for 3 months from the date of deposit
 Only principal amount will be repaid in case FDR is pre-closed between 3 months to 6 months from the date of deposit. No interest will be paid during this period, if Deposit is pre-closed between 3 months to 6 months.
 If the Deposit is pre-closed after 6 months but before maturity, the interest rate payable shall be 2% lower than the interest applicable for the period for which the deposit has run or if no rate has been specified for that period, then 3% lower than the minimum rate at which the public deposits are accepted by the company.

Note: - Pre-closure penalty will be charged on the rate of interest of the tenure completed by the FDR and not on the rate of interest applied by the depositor, as the said ROI is applicable only if the FDR is retained till the date of maturity.

Example: - If the FDR has completed only 1 year, the base rate applied for calculating premature penalty will be 1 year’s ROI on the date of deposit.

Pre-mature withdrawals are not permitted for Non-cumulative FD’s 10 days within interest payment cycle & between 20th March to 31st March due to year end closing activities.

+What is the rate of interest chargeable for loans?

+Loan against Fixed Deposits:

Loan may be granted against public deposit up to 75% of the deposit amount carrying interest 2% per annum above the FD interest rate and any other additional charges as applicable on such deposit.

Deposits should have run for a minimum period of three months and minimum FD investment of Rs.5,000/-.

Loan disbursement is subject to internal approvals & at the discretion of the company.

To avail for loan online with no submission of documents in just 3 simple steps:

1.Login to the FD Customer Portal. https://fixeddeposit.mahindrafinance.com/WA_FD_EP_PRELOGIN_5/ (as an Existing Depositor)
Click on Fixed Deposit customer login and if Existing Investor, login through user id & password or if you are new investor create login and password as instructions in our website.
2. Click on Avail Loan
3. Complete the OTP & Identity verification and submit loan application

The offline process of loan in which Physical FDR & Loan undertaking letter signed along with cancelled cheque copy are required and mandatory which needs to be sent on email.

You need to provide the physical copies of FDR with sign & Revenue stamp of concern holders with cancelled cheque copy & loan undertaking letter to be sent to our Head Office at Mumbai or Chennai Regional Office.

Attached is the undertaking letter

Please Note:

Post loan provided below is the process of Repayment
The repayment mode is onetime payment or adjustment against maturity.
There is no part payment of loan or EMI facility nor there is any restrictions against tenure as such for repayment of loan.
You can do the complete payment loan amount with interest till date as when required we will be sharing you the coming 3 working days calculation of Amount with the Bank details in which the NEFT/RTGS to be made.
Further you need to do the needful and share the payslip ,screenshot or UTR /Ref no.
Or
Loan amount with interest if not paid before the FD Maturity will be considered as loan amount with interest adjustment form the FD on the maturity date and balance amount any will be transferred to your Bank a/c registered with us.

+How can I apply for duplicate FDR receipt?

+Do you accept Non-Resident Indian (NRI) Deposits?

+What are the terms and condition for NRI Deposits?

The terms and conditions governing the NRI deposits are given hereunder:

Acceptance of deposits can be made only by Indian Rupees through NRO Account.

NRI Deposits shall be accepted only through payments made from the depositors NRO A/c in India.

Deposits with funds transferred from NRE or FCNR (B) A/c’s will not be accepted

NRI Deposits shall not be accepted by any inward remittances from overseas

Document requirements for NRI FD investments

1) Passport with valid visa
2) Overseas address proof
3) A PIO card to establish Indian Origin, if it is a foreign passport.
4) Pan card
5) A local address proof if different from the passport address
- a) Bank account statement or passbook
- b) Local Property papers with registration deed
- c) EB Bill card
- d) Voter Id or Driving License
6) The NRI Depositor has to give the following declaration:
- a) The amount deposited with Mahindra and Mahindra Financial Services Ltd. represents amounts transferred from NRO Account. Further this amount does not represent inward remittance from Overseas to NRO account or transfer of funds from NRE/FCNR (B) accounts to NRO account”.
- b) “This is to declare that my stay in India during the financial year 2022-23 does not exceed/will not exceed 182 days & hence I will be a non-resident during the said financial year.

If there is a DTAA with the country of which the investor is a resident, then the Tax rate applicable will be the DTAA rate or the Income Tax rate whichever is more beneficial to the assesse /investor. The following additional documents should be provided by the NRI depositor to claim benefit of DTAA rate.

a) Tax Residency Certificate from the Income Tax department of the country the investor is a resident
b) Copy of the passport as of the beginning of the current financial year till date
c) Certificate from the investor as at the end of the financial year regarding his stay in India during Financial year.

+How can I claim the unclaimed interest or maturity amount?

+When does the Unclaimed Amount go to Investor Education and Protection Fund(IEPF)?

+How can I claim the Unclaimed amount from the company or IEPF? What is the procedure?

Kindly note that with a view to complying with the statutory requirements in this regard, we shall initiate necessary action for transfer of the unclaimed principal and interest amount on Fixed Deposit to IEPF.

You are requested to immediately claim your unpaid principal and interest amount to avoid the transfer of the said amount(s) to IEPF by sending the following documents to us .

 Self-attested copy of Pan Card and address Proof (viz. Aadhar Card, Passport etc.)
 Copy of Cancelled Cheque.
 Enclosed Application –cum-Undertaking duly filled and signed.

However, you may claim from IEPF Authority, the amount of unclaimed principal and interest on Fixed Deposit, transferred to IEPF by making an application in Form IEPF-5 online and by sending the physical copy of the same duly signed (as per registered specimen signature) along with requisite documents enumerated in the said Form IEPF-5 to the Company at its Corporate Office or at the Company’s FD Processing Centre at Chennai for verification of your claim. We shall send a verification report to IEPF As per section 125(2) of the Companies Act, 2013 read with Rules, any amount of matured Fixed Deposits along with interest accrued on it, which remains unpaid or unclaimed for a period of seven years from the date of maturity of the Fixed Deposit, shall be transferred by the Company to the Investor Education and Protection Fund (“IEPF”) established by Central Government.

Authority for refund of the unclaimed principal and interest amount on Fixed Deposit, back to the credit of the Fixed Deposit holder.

In case we do not receive any request from you for claiming the principal and interest amount on Fixed Deposit , we shall, in accordance with the requirements of the said Rules, transfer the unclaimed principal and interest amount on Fixed Deposit, to IEPF by the due date as per procedure stipulated in the Rules, without any further notice. Please note that no claim shall lie against the Company in respect of unclaimed principal and interest amount on Fixed Deposit transferred to IEPF Authority pursuant to the said Rules.

The IEPF Rules and the application form (Form IEPF-5), as prescribed by the Ministry of Corporate Affairs for claiming back the unpaid/unclaimed principal amount/interest on Fixed Deposits, are available on the website of the Company at www.mahindrafinance.com as also on the website of the Ministry of Corporate Affairs at www.iepf.gov.in.

Please feel free to contact the Company in case you have any queries at the following address/ email/ telephone numbers:

FD Processing Centre

Mr. N Ananta Narayanan

Mahindra & Mahindra Financial Services Ltd

New No. 244, Old No. 713, 3rd Floor, Level 4,

Rear Block, Carex Center, Anna Salai,

Thousand Lights,

Chennai, Tamil Nadu-600006.

Toll Free no- 180 026 69266

Corporate Office

Ms. Sunita Pawar

Mahindra & Mahindra Financial Services Limited

Sadhana House, 2nd Floor,

570, P. B. Marg, Worli,

Mumbai- 400 018.

Tel:+91-22 - 6652 3500 Extn :- 3966

Fax No:+91- 22- 24984170

Email: [email protected]

+Cancellation policy

வட்டி விகிதம்

இன்றைய நிச்சயமற்ற வருவாயில், வைப்புத்தொகையானது குடும்பத்துக்கு ஒரு சிறப்பான எதிர்காலத்தைத் திட்டமிடுவதற்கு மிகவும் விருப்பமான வங்கி கருவியாகும். அதனால்தான் மஹிந்திரா ஃபைனான்ஸின் நிலையான வைப்புத் திட்டம் இந்த பாதுகாப்பான முதலீட்டில் சிறந்த வட்டி விகிதத்தில் உத்தரவாதமான வருமானத்தை உறுதிப்படுத்துவதற்காக சிறப்பாக வடிவமைக்கப்பட்டுள்ளது. விகிதங 16th March 2023 லிருந்து செல்லுபடியாகும்

குறைந்தபட்ச தொகை (ரூ).

கால வரையறை

கட்ட வேண்டிய தொகை(ரூ.)

ஆண்டு வட்டி*

பயனுள்ள வருடாந்திர லாபம் **

Rs.5,000/-

6016

7.65%

8.13%

6497

7.75%

8.55%

காலம் (மாதங்கள்)

ஆண்டு வட்டி.*(மாதம்)

ஆண்டு வட்டி.*(காலாண் டு)

ஆண்டு வட்டி.* (அரையாண்டு)

ஆண்டு வட்டி.* (வருடம்)

7.15%

7.25%

7.40%

7.65%

7.25%

7.35%

7.50%

7.75%

Minimum Amount

Rs. 50,000

Rs. 25,000

காலம் (மாதங்கள்)

Interest p.a.*#(Monthly,%)

வட்டி ஆண்டுக்கு.*#(அரையாண்டு)

வட்டி ஆண்டுக்கு.*#(காலாண்டு)

Interest p.a.*#(Yearly,%)

Rs.5,000/-

5370

7.40%

5789

7.60%

7.89%

6246

7.70%

8.31%

6740

7.75%

8.70%

7262

7.75%

9.05%

காலம் (மாதங்கள்)

Interest p.a.*#(Monthly,%)

வட்டி ஆண்டுக்கு.*#(அரையாண்டு)

வட்டி ஆண்டுக்கு.*#(காலாண்டு)

Interest p.a.*#(Yearly,%)

7.05%

7.10%

7.15%

7.40%

7.10%

7.20%

7.35%

7.60%

7.20%

7.30%

7.45%

7.70%

7.25%

7.35%

7.50%

7.75%

7.25%

7.35%

7.50%

7.75%

Minimum Amount

Rs.50,000

Rs.25,000

குறைந்தபட்ச தொகை

காலம் (மாதங்கள்)

செலுத்த வேண்டிய தொகை (ரூ.)

ஆண்டொன்றிற்கான வட்டி.*(‡)(%)

ஆண்டொன்றிற்கான ஈட்டல்.**(%)

Rs.2,00,00,001

21480000

7.40%

23155520

7.60%

7.89%

24984871

7.70%

8.31%

26958710

7.75%

8.70%

29048010

7.75%

9.05%

குறைந்தபட்ச தொகை

வட்டி ஆண்டுக்கு .# (அரையாண்டு)

வட்டி ஆண்டுக்கு .# (காலாண்டு)

7.10%

7.15%

7.20%

7.35%

7.30%

7.45%

7.35%

7.50%

7.35%

7.50%

குறைந்தபட்சம் தொகை

காலம் (மாதங்கள்)

தொகை செலுத்த வேண்டியது ( ரூ.)

வட்டி ஆண்டுக்கு.(%)

திறன் வருடாந்திர வருமானம்.**(%)

Rs.5,00,00,000/-

12***

53700000

7.40%

57888800

7.60%

7.89%

62462177

7.70%

8.31%

67396776

7.75%

8.70%

72620026

7.75%

9.05%

காலம் (மாதங்கள்)

வட்டி p.a.#/‡(காலாண்டு)

வட்டி p.a.#/‡(அரையாண்டு)

7.10%

7.15%

7.20%

7.35%

7.30%

7.45%

7.35%

7.50%

7.35%

7.50%

குறைந்தபட்ச தொகை

காலம் (மாதங்கள்)

கட்ட வேண்டிய தொகை(ரூ.)

ஆண்டு வட்டி* (%)

பயனுள்ள வருடாந்திர லாபம்** (%)

ரூ.25,00,00,000/-

7.50%

268750000

7.50%

குறைந்தபட்ச தொகை

காலம் (மாதங்கள்)

கட்ட வேண்டிய தொகை(ரூ.)

ஆண்டு வட்டி* (%)

பயனுள்ள வருடாந்திர லாபம்** (%)

ரூ.25,00,00,000/-

268750000

7.50%

Features & Benefits

Eligibility and Documentation

FAQs

Beneficial Ownership Declaration Form

Application form above Rs. 5 Crores

Rate change declaration Above 25 Crores

Application form above 2 Crore and upto 5 crores

Application form Upto Rs.2 Crore

தனிப்பட்ட வாடிக்கையாளருக்கான இணைப்பு

தனிநபர் அல்லாத வாடிக்கையாளருக்கான இணைப்பு

படிவம் எண் 15 எச்

படிவம் எண் 15 ஜி

Rate change declaration Upto Rs.2 Crore

Rate change declaration Above 2 Crore and Upto 5 Crores

Rate change declaration Above 5 Crores

பொதுவான பரிவர்த்தனை சீட்டு

ஆட்டோ புதுப்பித்தல் படிவம்

வைப்பு விண்ணப்ப படிவத்திற்கு எதிரான கடன்

HUF அறிவிப்பு படிவம்

வங்கி ஆணை படிவத்தின் மாற்றம்

பரிந்துரைக்கப்பட்ட படிவத்தின் மாற்றம்

இடமாற்ற கடிதம்

நிலையான வைப்புக்கான பான் அறிவிப்பு

Loan Against FD Application

Agency Empanelment Form

மஹிந்திரா & மஹிந்திரா நிதி சேவைகள் லிமிடெட்