1. Certificate is issued in USD and interest is paid quarterly
  2. Minimum amount for buying the certificate is USD 500
  3. Certificate is issued in multiples of USD 500 with no ceiling
  4. Certificate is valid for only 3 years (not renewed automatically) and is tax exempted
  5. Full redemption is allowed after 6 months from the purchase date
  6. Certificate is available for natural persons (individuals – corporate)
  7. Overdraft facility up to 90% of CD value.
  8. Loan against CD up to 90% of CD value.
  9. Secured Credit Card up to 90% of CD value