Treasury Savings Bank Kerala: A Unique Banking Experience with Diverse Services


Treasury Savings Bank TSB in Kerala Treasury Savings Bank (TSB) in Kerala has gained prominence in the financial sector for offering a wide range of unique services and features tailored to the needs of its customers. Established in 1967, TSB has since made a lasting impact on the state’s banking landscape, catering to the needs of a diverse clientele. This blog post delves into the innovative services and features that set TSB Kerala apart, making it the go-to financial institution for many residents.

  1. Unique Savings Account Services

Treasury Savings Bank’s savings account services are designed to cater to the specific needs of their clients. The bank offers various types of savings accounts, each equipped with unique features and benefits. Some of the popular savings account services include:

  • Ordinary Savings Account: With a low minimum balance requirement and attractive interest rates, this account is perfect for those looking for a basic savings account with easy access to funds.
  • Premium Savings Account: This account offers a higher interest rate to encourage customers to maintain a higher balance. It also comes with additional perks like free cheque books, ATM cards, and free quarterly statements.
  • Senior Citizen Savings Account: TSB has a special account for senior citizens, offering them preferential interest rates, dedicated customer support, and a free ATM card.
  1. Flexible Fixed Deposit Schemes

Treasury Savings Bank Kerala provides its customers with flexible fixed deposit schemes to suit their individual requirements. Some of the popular fixed deposit schemes include:

  • Short-term Deposits: TSB offers short-term deposits with a tenure ranging from 30 days to 364 days, providing customers with attractive interest rates and the option to liquidate the deposit in case of emergencies.
  • Long-term Deposits: Customers can also opt for long-term deposits, which have a tenure ranging from 1 year to 10 years. These deposits offer higher interest rates and help customers build a substantial corpus over time.
  • Tax-Saver Fixed Deposits: TSB provides tax-saver fixed deposits that allow customers to save on taxes under section 80C of the Income Tax Act. These deposits come with a lock-in period of 5 years and offer competitive interest rates.
  1. Innovative Loan Schemes

Treasury Savings Bank Kerala offers a variety of loan schemes to cater to the diverse needs of its customers. Some of the popular loan schemes include:

  • Personal Loans: TSB offers personal loans with competitive interest rates and flexible repayment options. Customers can avail these loans for a variety of purposes, such as medical expenses, education, home renovation, and more.
  • Gold Loans: TSB’s gold loan scheme allows customers to avail loans against their gold jewelry at attractive interest rates, with minimal documentation and quick processing.
  • Housing Loans: TSB provides housing loans to help customers realize their dream of owning a home. These loans come with competitive interest rates, flexible repayment options, and a long repayment tenure.
  • Vehicle Loans: TSB also offers vehicle loans for purchasing new or used cars and two-wheelers, ensuring customers can own their dream vehicle without any financial burden.
  1. Online and Mobile Banking

Treasury Savings Bank Kerala recognizes the importance of technology in today’s world and offers its customers a seamless online and mobile banking experience. Customers can access their accounts 24/7, transfer funds, pay bills, and much more through TSB’s user-friendly online and mobile platforms. The bank also provides a secure and robust platform for transactions, ensuring customers can bank with confidence.

  1. Rural and Agricultural Banking

Treasury Savings Bank Kerala has a strong focus on rural and agricultural banking, catering to the needs of farmers and rural residents. The bank offers various loan schemes specifically designed for agricultural purposes, such as crop loans, farm equipment loans, and livestock loans. These loans come with competitive interest rates and flexible repayment options, ensuring that farmers can access the funds they need without any hassle.

Moreover, TSB Kerala offers financial literacy programs and workshops for rural residents, helping them understand the importance of savings, investments, and insurance. The bank also has a wide network of branches and ATMs in rural areas, ensuring that its services are easily accessible to those living in remote locations.

  1. Customer-Centric Services

Treasury Savings Bank Kerala is committed to providing exceptional customer service and continuously strives to enhance its offerings. The bank offers a range of customer-centric services, such as:

  • Dedicated Customer Support: TSB provides dedicated customer support to address any queries or concerns that customers may have. The bank’s customer support team is available through phone, email, and online chat, ensuring that customers receive prompt assistance.
  • Doorstep Banking: TSB offers doorstep banking services for senior citizens and differently-abled customers, providing them with the convenience of banking from the comfort of their homes.
  • Financial Planning and Advisory Services: The bank also provides financial planning and advisory services to help customers make informed decisions about their investments, savings, and insurance needs.


Treasury Savings Bank Kerala has carved a niche for itself in the banking sector with its innovative services and customer-centric approach. The bank’s diverse range of services, from unique savings accounts to flexible loan schemes and robust online banking, caters to the varied needs of its customers. TSB Kerala’s focus on rural and agricultural banking, along with its commitment to providing exceptional customer service, makes it a preferred choice for residents of Kerala.

If you are looking for a bank that offers a unique banking experience with a wide range of services tailored to your needs, consider Treasury Savings Bank Kerala for your financial journey. With its innovative offerings, TSB Kerala is poised to continue making a significant impact on the lives of its customers for years to come.

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