The scheme is available in all branches of the Bank only to the individuals.

The Vijaya Saral Savings Account can be opened with a minimum initial deposit of Rs.10/- by using the existing deposit account opening form. The balance in the account can go below Rs.10/-. The account can continue with even zero balance.

Cheque book will not be issued to the account holders. Withdrawal will be only by way of withdrawal slips by presenting the pass book.

No debit/ATM cards available in the scheme.

No third party cheque is to be collected in this account.

Total withdrawals shall not exceed 36 per financial year.

No folio charges will be levied.

No penalty for non-maintenance of minimum balance.

No charges will be levied for noting standing instructions. However, for execution of standing instructions, the charges will be levied.

All other terms and conditions applicable to normal Savings Bank account shall also apply to this scheme.