Customer can avail this facility with New Super Chamatkarik Bachat Khata Diamond scheme. 

Any amount above Rs. 2,00,000 in multiple of Rs. 10,000 will be transferred to 3 months Fixed deposit account at interest rate of 9.25%. You can avail higher interest rate on transferred amount. Minimum tenure of FD under sweep in facility shall be 90 days. For example: 

Day 1: A customer has Rs. 2,56,000 in his New Super Chamatkarik Bachat Khata diamond. At the end of the day balance above Rs. 2,00,00 in multiple of 10,000 shall be transferred to 3 days fixed deposit. Then Rs. 50,000 will be transferred in 3 days fixed deposit. Balance in savings account shall be Rs. 206,000. Interest in savings account: 6.5% and Interest in 3 months fixed deposit: 9.25% 

Day 2: A customer has again Rs. 2,95,000 in his Super Chamatkarik Bachat Khata diamond. At the end of the day balance above Rs. 2,00,00 in multiple of 10,000 shall be transferred to 3 days fixed deposit Balance in savings account: Rs. 2,05,000 Balance in fixed deposit (1st lot): Rs. 50,000 

Balance in fixed deposit (2nd lot): Rs. 90,000 

Day 3: Customer presents cheque of Rs. 1,50,000 for payment. Customer of Rs. 2,05,000 in his savings account. Minimum balance Rs. 50,000 • Available balance Rs. 105,000 • Fund shortage Rs. (150,000 – 105,000) i.e. Rs. 45,000. Now deficit of Rs. 45,000 will be withdrawn from last lot of fixed deposit. i.e. 90,000 will be withdrawn. We use Last in First Out (LIFO) method for FD breakdown. Customer shall not be eligible for higher interest rate in case fixed deposit is broken before defined period. However, customer shall be eligible for interest rate of 7.75 % as the Bank will charge 2% as a pre-maturity charge. 

In case customer need to withdraw from fixed deposit before maturity, customer can withdraw with charges of 2%. However, Customer will still be receiving interest rate @ 7.75% (9.75% - 2%) of your savings account on such amount.