Important Information

Marginal Cost of Funds based Lending Rate (MCLR)

Effective September 07, 2018, the Marginal Cost of Funds based Lending Rate (MCLR) for Deutsche Bank AG, India branches is as below:

  Tenor MCLR (per annum)
  Overnight 8.20%
  One month 8.85%
  Three month 9.05%
  Six month 9.55%
  One year 10.35%

The determination and application of the MCLR will be in accordance with the guidelines issued by the Reserve Bank of India from time to time. Customers may contact their respective Account / Relationship Manager for any further information / clarifications in this regard.

Base Rate

Effective July 19, 2018, the Base Rate for Deutsche Bank AG, India branches is 9.30% per cent per annum. The determination and application of the Base Rate will be in accordance with the guidelines issued by the Reserve Bank of India from time to time. Customers may contact their respective Account / Relationship Manager for any further information / clarifications in this regard.

Savings Account Interest Rate

With effect from 4th May 2011,the interest rate applicable on Savings Bank Accounts is 4.00% per annum. The interest on Savings Bank Accounts will continue to be calculated on daily product basis in line with the guidelines issued by the Reserve Bank of India, instead of the earlier methodology of calculating Savings Bank interest on the least balance between the 10th and the end of the month. The interest on Savings Bank Accounts will be paid at quarterly intervals i.e. on 31st March, 30th June, 30th September and 31st December every year.

RBI Press Release


Cheque Collection Policy    Download
Comprehensive Deposit Policy   Download
Compensation Policy Download
Policy on Operational Procedure for Settlement of Claims of Deceased Depositors and Return of Articles in Safe Deposit Lockers and Demat Account   Download
Policy on Collection of Dues and Repossession of Security Download
Policy for Lending to MSE   Download
Record Retention Policy Download
Customer Rights Policy   Download

Loan Agreement

Loan Agreement for personal loan    Download 
Loan Agreement for home loan / loan against property / commercial property loan         Download
Deutsche Bank - Citizen's Charter Download
Citizen's Charter for Currency Exchange Facilities   Download

BCSBI Code of Bank's Commitment to Customers

In english  Download 
In hindi View details
In regional languages View details
BCSBI - Credit Counselling Service View details
BCSBI Newsletter Download

Code of Bank's Commitment to Micro and Small Enterprises

 In english    Download 
 In hindi   Download
 In kannada Download
Framework for Revival and Rehabilitation of Micro, Small and Medium Enterprises (MSMEs)   View Details
Guidelines for rehabilitation of sick small scale units and debt restructuring mechanismfor Small and Medium Enterprises ( SMEs)   Download

Banking Ombudsman Scheme

Banking Ombudsman Scheme 2006    Download 
Banking Ombudsman Scheme Amendment 2007   Download
Banking Ombudsman Scheme Amendment 2009   Download

Fair Practices Code for Lenders

Guidelines on Fair Practices Code for Lenders  Download
Important Information on loans granted to Individual Borrowers    View Details
Calculate your total cost of credit using the Annual Percentage Rate (APR) calculator     View Calculator
Monitoring of loan disposal system - Annexure A  Download
Monitoring of the progress in rehabilitation of sick MSE units - Annexure B    Download
Financing needs of Micro and Small Enterprises - A guide  View Details
TRAI regulations on telecom commercial communication    Download
DICGC Insurance on Deposits: Deustche Bank AG, India has been covered under the Deposit Insurance and Credit Guarantee Corporation Act, 1961 which insures the bank's deposits to the extent of Rs. 1 lakh for every depositor in the same right and same capacity  View Details
Model Code of Conduct    View Details
General Business Terms and Conditions  Download
Committee on Customer Service in Banks - Inviting Suggestions from Public  (press release from RBI)    Download
NEFT Customer Facilitation Centres of participating Banks  View Details
Collection agencies    Download
List of unclaimed deposits / inoperative accounts  Download
List of Bank Holiday - 2018    View Details
Grievance Redressal  View Details
Complaint Analysis - April 1, 2015 to March 31, 2016     Download
Limited customer liability    View Details

  • As per Reserve Bank of India's directive dated August 28, 2015, banks will observe public holiday on 2nd and 4th Saturday every month with immediate effect. All other Saturdays of the month will now operate as full working days. Banking services including payment systems such as RTGS, NEFT, Cheque clearing and ECS Services will be unavailable on the 2nd and 4th Saturday of the month. These services would be available through the day on all other Saturdays of the month as any other working day.                        
  • RTGS / NEFT / Demand Draft / Funds Transfer Instructions: All RTGS / NEFT / Demand Draft / Funds Transfer requests received at the branches will have to be supported by a valid cheque from the drawee account.
  • ATM Transactions: Please note that with effect from July 1, 2011 in accordance with RBI guidelines, the number of free transactions permitted per month at other bank ATMs for Savings Bank account holders shall be inclusive of all types of transactions - financial (cash withdrawals) and non-financial (including balance inquiry and mini-stmt).
  • Migrating to CTS 2010 Standards: As per RBI guidelines, non CTS-2010 Standard compliant cheques should be withdrawn in phased manner with effect from July 31, 2013. Please ensure to use CTS-2010 Standard compliant cheques, hence forth, to avoid any inconvenience. For more details please click here.
  • KYC and FATCA / CRS Declarations: Effective 1st January, 2016 mutual funds investors are required to submit Supplementary KYC and FATCA / CRS declarations to the respective MF registrars / fund houses, failing which no further investments would be permitted. Click here for online declaration.
  • Please note that, effective 1st July, 2017, Government of India has implemented Goods and Services Tax (GST), hence all the existing service tax rate of 15% on applicable charges are replaced by 18%.

    Click here to know the Deutsche Bank AG Provisional GST number / ID
    Click here for GSTIN registration form for customer / vendor
  • Aadhaar Updation: As per recent amendments to ‘Prevention of Money Laundering Act’ (PMLA), it is mandatory to update your Aadhaar number against your bank accounts. Update today to avoid last minute hassle.

    Know more
    Update Online
  • The General Business Conditions govern the entire business relationship between the customer and the Bank's domestic offices (hereinafter referred to as the “Bank”). In addition, particular business relations (such as securities transactions, card-based payments, use of cheques, savings accounts, credit transfers) are governed by Special Conditions, which may contain deviations from, or are in addition to, these General Business Conditions (hereinafter referred to “Special Business Conditions”). In addition, the Bank may devise its own rules for engaging with customers based on the residency of the customer in a particular country, then such rules may be treated as Special Business Conditions. The Special Business Conditions are agreed with the customer when the account is opened or other services are availed of. If the customer also maintains business relations with foreign offices / branches of the Bank, the Bank's lien (No.14 of the General Business Conditions) also secures the claims of such foreign offices / branches.