Welcome to Cito Nidhi Limited, a fast growing and trusted Quasi-Banking Mutual Benefit Organization    |   Earn high annualized yield of 14.16%* on the Cito-444 Fixed Deposit    |   Cito Nidhi Dhanavruddhi Deposit Scheme - CITO 444 Fixed Deposit    |   

Special Savings Account

Discover an exclusive account that befits your status. An account that caters to the exclusive needs of a class of people.

Here Cito Nidhi's SSA offers a host of thoughtful services that you can experience across the CITO's network.

8 % p.a. ROI

8 % p.a. ROI

MAB Rs. 25000

MAB Rs. 25000



Debit Card
Mobile App
Online Banking

Features and Benefits

  • Can be opened in the names of individuals singly / jointly / with either or survivor options.
  • Debit card, Internet Banking, Mobile banking facilities.
  • Free Doorstep Banking Services available
  • Free Funds transfer through NEFT / RTGS / DD / PO / Inter branch fund transfers.
  • Nomination facility available.
  • Personalized service across  Cito Nidhi Branches
  • If a person attains 60 years, he will enjoy the benefit of a senior citizen account

Terms and Conditions

  • A penalty of Rs.300/- will be levied for non-maintenance of minimum balance.
  • Customers should provide a satisfactory introduction, address and ID proof in order to comply with KYC norms.
  • Its mandatory to become as a member of the CITO Nidhi Ltd. Member should subscribe for minimum 10 Shares with face value of Rs 10/- per share and total value of Rs 100/-. Should comply with RBI KYC norms and should provide original KYC documents along with photocopy for verification.
  • Interest will be calculated at the rate applicable for the period the balance has actually remained with the Bank. The rates are subject to change from time to time and same will be notified. All Guidelines applicable with regard to acceptance, payment and transfer of term deposits will apply to the deposits acceptance under this scheme.
Description Rates
Cash remittance at base branches Free - up to Rs. 10 Lakhs per month.
Rs. 2/- for each Rs. 1,000/- beyond the free limit with a minimum charge of Rs. 20/-.
Cash remittance at non-base branches Free - up to Rs. 100,000/- per day, subject to a max of Rs. 2 Lakhs per month. beyond the free limit Rs. 2/- for each Rs. 1,000/- with a minimum charge of Rs. 20/-.
Cash withdrawal at base branches Free without any limit (Self Cheque). Rs. 100,000/- per day per party (Third Party cheque).
Cash withdrawal at non-base branches Free without any limit (Self Cheque). Rs. 100,000/- per day per party (Third Party cheque).
Card Related & ATM transaction charges. Card Issuance Charges - Rs 200/-
Card renewal/ re-ssuance charges - Rs 150/-
Monthly 5 txns free in any ATM (financial and non-financial)
After free limit, there would be charges of Rs 20/- per txn
Folio charges/ Statement Charges Free
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