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The Deposit Guarantee Fund in banks of Uzbekistan ensures the stability of the banking system and guarantees the return of citizens’ deposits.
If after the conclusion of the deposit agreement:
In case of full early withdrawal of the deposit, the amount of the deposit is handed over to the person who took part in the preparation of the deposit (a voluntary guarantor, a citizen or an enterprise and organization) or the legal representatives of the child (parents, relatives, etc.)
|
№ |
Indicators |
Terms |
|
1 |
Deposit type |
Savings |
|
2 |
Currency |
National currency – sum |
|
3 |
Term |
16 years |
|
4 |
Annual interest rate |
14% (via mobile app - 15% per annum) |
|
5 |
Minimum amount |
100 thousand soum |
|
6 |
Maximum amount |
Not limited |
|
7 |
Capitalization |
Absent |
|
8 |
Additional contributions |
Accepted |
|
9 |
Accommodation form |
In cash and via plastic cards and via mobile application |
|
10 |
Partial withdrawal |
Absent |
|
11 |
Additional terms |
Interests of the deposit are paid monthly If after the conclusion of the deposit agreement: - in case of full withdrawal within 1 year - no interest is paid; - in case of full withdrawal within a period of 1 to 16 years - 14% per annum is paid (15% per annum in the mobile application). This deposit is intended for minor children, it opens upon presentation of the child's birth certificate and can be made by money transfer. Parents of the child, relatives, a voluntary sponsoring citizen or an enterprise and organization can participate in the transfer. After the end of the agreed period of the deposit, the child can receive funds along with interest after receiving a document (passport) on reaching the age of majority. In case of full early withdrawal of the deposit, the amount of the deposit is handed over to the person who took part in the preparation of the deposit (a voluntary guarantor, a citizen or an enterprise and organization) or the legal representatives of the child (parents, relatives, etc.) |
Deposit interest income is paid depending on the type and terms of the deposit. Deposit interest can be received in advance if the terms and conditions of the agreement provide for such possibility, otherwise interest will be paid in accordance with the procedure set forth in the agreement.
Source: Finlit.uz
Withdrawing funds from the deposit ahead of schedule will not always save the interest accrued on it, due to the fact that not all types of deposits provide for such conditions. Deposits that provide this opportunity usually have a low interest rate. Moreover, in case of early withdrawal of funds from this type of deposit, the accrued interest on it for an incomplete month burns out, unless otherwise specified in the agreement.
Source: Finlit.uz
Deposits made online can be replenished at any time using the bank's mobile app. If the deposit is opened directly in the bank, and under the terms of such a deposit the possibility of its replenishment is provided, then you can replenish your deposit. Some banks give such an opportunity only for the first 3-6 months.
Source: Finlit.uz
Capitalization of interest is the addition of interest accrued during the period to the principal amount of the deposit and the subsequent accrual of income on the amount of the deposit and the amount of interest added to it. In other words, accrual of interest on interest.
Source: Finlit.uz
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