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What is Quantum Optima/ auto-sweep/ linked FD?

With effect from July 1, 2005, the auto-sweep (Quantum Optima) facility in the savings account has been withdrawn. Instead, the Linked Fixed Deposit (LFD) or Money Multiplier deposit has been introduced, which will be created on specific request from the customer.

Features of LFD:
Minimum balance in the savings account should be ₹15,000.00 to generate LFD request.
LFD requests will be made in multiples of ₹5,000.00 only.  
You may have more than one LFD linked to the same account. 
Specific request has to be given for each LFD creation.
The LFDs will be under the same Customer ID.

LFDs linked to the account will be enabled for automatic reverse sweep of an amount to equate the balance to ₹10,000.00 when the balance in the Savings Account falls below ₹10,000.00.  

You may open a Flexi Fixed deposit through any of the below mentioned channels:

Internet Banking: 
Login to your Internet Banking Account > Customer Service > Service Requests > Deposits > More > Open a Fixed Deposit > Special Money Multiplier Deposit/ Standard Money Multiplier Deposit.

Customer Care: 
You may call our Customer Care between 7:00 a.m. and 9:00 p.m. from your registered mobile number. To know the local Customer Care numbers, please click here