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Saving bank account is meant for the people who wish to save a part of their current income to meet their future needs and they can also earn in interest on their savings. The rate of interest payable on by the banks on deposits maintained in savings account is prescribed by RBI. Now-a-days the fixed deposit is also linked with saving account. Whenever there is excess of balance in saving account it will automatically transfer into fixed deposit and if there is shortfall of funds in savings account, by issuing cheese the money is transferred from fixed deposit to saving account. Different banks give different name to this product.
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