{"id":6048,"date":"2026-05-27T04:38:54","date_gmt":"2026-05-27T04:38:54","guid":{"rendered":"https:\/\/youth.bank.in\/?page_id=6048"},"modified":"2026-09-09T12:04:40","modified_gmt":"2026-09-09T12:04:40","slug":"deposit-insurance","status":"publish","type":"page","link":"https:\/\/youth.bank.in\/index.php\/deposit-insurance\/","title":{"rendered":"Deposit Insurance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"6048\" class=\"elementor elementor-6048\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-653ef87 e-flex e-con-boxed e-con e-parent\" data-id=\"653ef87\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cafa41e elementor-widget elementor-widget-html\" data-id=\"cafa41e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<style>\n  .bk-root *, \n  .bk-root *::before, \n  .bk-root *::after {\n    box-sizing: border-box;\n    margin: 0;\n    padding: 0;\n    font-family: \"Mulish\", sans-serif !important;\n  }\n\n  .bk-root {\n    --gold: #B8860B;\n    --gold-light: #D4A017;\n    --gold-pale: #FDF6E3;\n    --navy: #0B1F3A;\n    --navy-mid: #173560;\n    --cream: #FAFAF7;\n    --text: #1A1A2E;\n    --muted: #6B7280;\n    --white: #ffffff;\n    --radius: 18px;\n    --shadow: 0 8px 30px rgba(11,31,58,0.10);\n    --shadow-lg: 0 16px 50px rgba(11,31,58,0.18);\n\n    background: var(--cream);\n    padding: 28px 16px;\n    color: var(--text);\n  }\n\n  .bk-header {\n    text-align: center;\n    margin-bottom: 22px;\n  }\n\n  .bk-header h2 {\n    font-size: 1.7rem;\n    color: var(--navy);\n    font-weight: 800;\n    position: relative;\n    display: inline-block;\n    padding-bottom: 8px;\n  }\n\n  .bk-header h2::after {\n    content: \"\";\n    position: absolute;\n    left: 50%;\n    bottom: 0;\n    transform: translateX(-50%);\n    width: 90px;\n    height: 3px;\n    background: linear-gradient(90deg, var(--gold), var(--gold-light));\n    border-radius: 10px;\n  }\n\n  .bk-header p {\n    margin-top: 8px;\n    color: var(--muted);\n    font-size: 0.95rem;\n  }\n\n  .bk-grid {\n    display: grid;\n    grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));\n    gap: 18px;\n    max-width: 1100px;\n    margin: auto;\n  }\n\n  .bk-card {\n    background: var(--white);\n    border-radius: var(--radius);\n    box-shadow: var(--shadow);\n    overflow: hidden;\n    transition: 0.25s ease;\n  }\n\n  .bk-card:hover {\n    transform: translateY(-5px);\n    box-shadow: var(--shadow-lg);\n  }\n\n  .bk-card-head {\n    background: linear-gradient(135deg, var(--navy), var(--navy-mid));\n    color: white;\n    padding: 14px 18px;\n    font-weight: 700;\n    font-size: 1rem;\n  }\n\n  .bk-card-body {\n    padding: 18px;\n  }\n\n  .bk-text {\n    font-size: 0.92rem;\n    line-height: 1.7;\n    color: var(--text);\n    margin-bottom: 12px;\n  }\n\n  .bk-highlight {\n    background: var(--gold-pale);\n    border-left: 4px solid var(--gold);\n    padding: 12px;\n    border-radius: 12px;\n    margin: 12px 0;\n    font-size: 0.9rem;\n    line-height: 1.6;\n  }\n\n  .bk-table {\n    width: 100%;\n    border-collapse: collapse;\n    margin-top: 10px;\n    font-size: 0.9rem;\n  }\n\n  .bk-table td {\n    padding: 10px;\n    border-bottom: 1px solid #eee;\n  }\n\n  .bk-table td:first-child {\n    font-weight: 600;\n    color: var(--navy);\n  }\n\n  @media (max-width: 640px) {\n    .bk-header h2 {\n      font-size: 1.4rem;\n    }\n\n    .bk-grid {\n      grid-template-columns: 1fr;\n    }\n  }\n<\/style>\n\n<div class=\"bk-root\">\n\n  <!-- MAIN TITLE (UPDATED) -->\n  <div class=\"bk-header\">\n    <h2>Deposit Safety & Insurance Protection (DICGC)<\/h2>\n    <p>Understanding government-backed deposit insurance coverage for bank customers<\/p>\n  <\/div>\n\n  <div class=\"bk-grid\">\n\n    <!-- CARD 1 (UPDATED TITLE) -->\n    <div class=\"bk-card\">\n      <div class=\"bk-card-head\">DICGC Membership & Registration Details<\/div>\n      <div class=\"bk-card-body\">\n        <div class=\"bk-text\">\n          Bank is member of Deposit Insurance and Credit Guarantee Corporation and it\u2019s code No.\/Registration number is 43617\/MH402. Bank cannot cancel its membership of DICGC and hence protection of Deposit insurance remains perpetual.\n        <\/div>\n      <\/div>\n    <\/div>\n\n    <!-- CARD 2 (UPDATED TITLE) -->\n    <div class=\"bk-card\">\n      <div class=\"bk-card-head\">Deposit Insurance Coverage Limit (\u20b95 Lakh Protection)<\/div>\n      <div class=\"bk-card-body\">\n        <div class=\"bk-text\">\n          Protection of deposit insurance is guaranteed for the amount up to \u20a85.00 lakh inclusive of amount of interest per person.\n        <\/div>\n\n        <div class=\"bk-highlight\">\n          Deposits kept in-one bank in all schemes together of one person or his firm cumulative up to \u20a85.00 lakh is protected.\n        <\/div>\n\n        <div class=\"bk-text\">\n          Every Bank who is member of DICGC can give guarantee of the above amount to its depositors.\n        <\/div>\n      <\/div>\n    <\/div>\n\n    <!-- CARD 3 (UPDATED TITLE) -->\n    <div class=\"bk-card\">\n      <div class=\"bk-card-head\">Illustration: Deposit Breakdown Example<\/div>\n      <div class=\"bk-card-body\">\n\n        <table class=\"bk-table\">\n          <tr><td>Saving A\/c<\/td><td>-- \u20a8 100,000\/-<\/td><\/tr>\n          <tr><td>Current A\/c<\/td><td>-- \u20a8 250,000\/-<\/td><\/tr>\n          <tr><td>Recurring Deposit<\/td><td>-- \u20a8 40,000\/-<\/td><\/tr>\n          <tr><td>Fixed Deposit<\/td><td>-- \u20a8 200,000\/-<\/td><\/tr>\n          <tr><td>Total<\/td><td>-- \u20a8 5,90,000\/-<\/td><\/tr>\n        <\/table>\n\n        <div class=\"bk-highlight\">\n          Out of above total amount of \u20a8 5,90,000\/- , \u20a8 5.00 lakh  is only  protected.\n        <\/div>\n\n      <\/div>\n    <\/div>\n\n    <!-- CARD 4 (UPDATED TITLE) -->\n    <div class=\"bk-card\">\n      <div class=\"bk-card-head\">Joint Account Insurance Rules & Conditions<\/div>\n      <div class=\"bk-card-body\">\n        <div class=\"bk-text\">\n          If  one person is having  his  joint A\/c  with many  persons in a bank or by clubbing  together  such deposits from it\u2019s  various  branches and having   same serial of names  in series,  the amount  together  up to \u20a8 5.00  Lakh  will only  be protected.\n        <\/div>\n\n        <div class=\"bk-text\">\n          But, if  one person  has joint  A\/c  with many persons in bank or by clubbing  together  such deposits from it\u2019s   various   branches and having   different serial of names  in series  then each such deposit account will be  protected up to \u20a8 5.00 lakh.\n        <\/div>\n\n        <div class=\"bk-highlight\">\n          Example \u2013 A, B, C are three different persons and having accounts \u2018ABC\u2019, \u2018CBA\u2019, \u2018CAB\u2019, \u2018ACB\u2019 \u2192 each account insured separately up to \u20a8 5.00 lakh.\n        <\/div>\n      <\/div>\n    <\/div>\n\n    <!-- CARD 5 (UPDATED TITLE) -->\n    <div class=\"bk-card\">\n      <div class=\"bk-card-head\">Insurance Premium Responsibility<\/div>\n      <div class=\"bk-card-body\">\n        <div class=\"bk-text\">\n          Premium of insurance is paid by Bank and hence there is no burden of premium expenditure on depositors.\n        <\/div>\n      <\/div>\n    <\/div>\n\n  <\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fc7838d elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"fc7838d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ee4daca ybk-dicgc-iconboxgrid content-align-left icon-box-vertical-align-top icon-position-left icon-vertical-align-start elementor-widget elementor-widget-the7_icon_box_grid_widget\" data-id=\"ee4daca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"the7_icon_box_grid_widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"the7-box-grid-wrapper the7-elementor-widget loading-effect-none the7_icon_box_grid_widget-ee4daca\">\t\t\t<div class=\"dt-css-grid\">\n\t\t\t\t\t\t\t\t\t<div class=\"wf-cell shown\">\n\t\t\t\t\t\t<div class=\"the7-icon-box-grid\">\t\t\t\t\t\t\t<div class=\"box-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h4 class=\"box-heading\">\n\t\t\t\t\t\t\t\t\t\t\t<a aria-label=\"DICGC Membership &amp; Registration Details\">\t\t\t\t\t\t\t\t\t\t\t\tDICGC Membership &amp; Registration Details\t\t\t\t\t\t\t\t\t\t\t<\/a>\t\t\t\t\t\t\t\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-description\">Bank is member of Deposit Insurance and Credit Guarantee Corporation and it\u2019s code No.\/Registration number is 43617\/MH402. Bank cannot cancel its membership of DICGC and hence protection of Deposit insurance remains perpetual.<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"wf-cell shown\">\n\t\t\t\t\t\t<div class=\"the7-icon-box-grid\">\t\t\t\t\t\t\t<div class=\"box-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h4 class=\"box-heading\">\n\t\t\t\t\t\t\t\t\t\t\t<a aria-label=\"Deposit Insurance Coverage Limit (\u20b95 Lakh Protection)\">\t\t\t\t\t\t\t\t\t\t\t\tDeposit Insurance Coverage Limit (\u20b95 Lakh Protection)\t\t\t\t\t\t\t\t\t\t\t<\/a>\t\t\t\t\t\t\t\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-description\">Protection of deposit insurance is guaranteed for the amount up to \u20a85.00 lakh inclusive of amount of interest per person.\nDeposits kept in-one bank in all schemes together of one person or his firm cumulative up to \u20a85.00 lakh is protected.\nEvery Bank who is member of DICGC can give guarantee of the above amount to its depositors.<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"wf-cell shown\">\n\t\t\t\t\t\t<div class=\"the7-icon-box-grid\">\t\t\t\t\t\t\t<div class=\"box-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h4 class=\"box-heading\">\n\t\t\t\t\t\t\t\t\t\t\t<a aria-label=\"Illustration: Deposit Breakdown Example\">\t\t\t\t\t\t\t\t\t\t\t\tIllustration: Deposit Breakdown Example\t\t\t\t\t\t\t\t\t\t\t<\/a>\t\t\t\t\t\t\t\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-description\">\nSaving A\/c\t-- \u20a8 100,000\/-<br>\nCurrent A\/c\t-- \u20a8 250,000\/--<br>\nRecurring Deposit\t-- \u20a8 40,000\/--<br>\nFixed Deposit\t-- \u20a8 200,000\/--<br>\nTotal\t-- \u20a8 5,90,000\/--<br>\nOut of above total amount of \u20a8 5,90,000\/- , -<br>\n\u20a8 5.00 lakh is only protected.-<br><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"wf-cell shown\">\n\t\t\t\t\t\t<div class=\"the7-icon-box-grid\">\t\t\t\t\t\t\t<div class=\"box-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h4 class=\"box-heading\">\n\t\t\t\t\t\t\t\t\t\t\t<a aria-label=\"Joint Account Insurance Rules &amp; Conditions\">\t\t\t\t\t\t\t\t\t\t\t\tJoint Account Insurance Rules &amp; Conditions\t\t\t\t\t\t\t\t\t\t\t<\/a>\t\t\t\t\t\t\t\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-description\">If one person is having his joint A\/c with many persons in a bank or by clubbing together such deposits from it\u2019s various branches and having same serial of names in series, the amount together up to \u20a8 5.00 Lakh will only be protected.\nBut, if one person has joint A\/c with many persons in bank or by clubbing together such deposits from it\u2019s various branches and having different serial of names in series then each such deposit account will be protected up to \u20a8 5.00 lakh.\nExample \u2013 A, B, C are three different persons and having accounts \u2018ABC\u2019, \u2018CBA\u2019, \u2018CAB\u2019, \u2018ACB\u2019 \u2192 each account insured separately up to \u20a8 5.00 lakh.<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"wf-cell shown\">\n\t\t\t\t\t\t<div class=\"the7-icon-box-grid\">\t\t\t\t\t\t\t<div class=\"box-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h4 class=\"box-heading\">\n\t\t\t\t\t\t\t\t\t\t\t<a aria-label=\"Insurance Premium Responsibility\">\t\t\t\t\t\t\t\t\t\t\t\tInsurance Premium Responsibility\t\t\t\t\t\t\t\t\t\t\t<\/a>\t\t\t\t\t\t\t\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-description\">Premium of insurance is paid by Bank and hence there is no burden of premium expenditure on depositors.<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Deposit Safety &#038; Insurance Protection (DICGC) Understanding government-backed deposit insurance coverage for bank customers DICGC Membership &#038; Registration Details Bank is member of Deposit Insurance and Credit Guarantee Corporation and it\u2019s code No.\/Registration number is 43617\/MH402. Bank cannot cancel its membership of DICGC and hence protection of Deposit insurance remains perpetual. Deposit Insurance Coverage Limit&hellip;<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_monsterinsights_skip_tracking":false,"footnotes":""},"class_list":["post-6048","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/youth.bank.in\/index.php\/wp-json\/wp\/v2\/pages\/6048","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/youth.bank.in\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/youth.bank.in\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/youth.bank.in\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/youth.bank.in\/index.php\/wp-json\/wp\/v2\/comments?post=6048"}],"version-history":[{"count":22,"href":"https:\/\/youth.bank.in\/index.php\/wp-json\/wp\/v2\/pages\/6048\/revisions"}],"predecessor-version":[{"id":6926,"href":"https:\/\/youth.bank.in\/index.php\/wp-json\/wp\/v2\/pages\/6048\/revisions\/6926"}],"wp:attachment":[{"href":"https:\/\/youth.bank.in\/index.php\/wp-json\/wp\/v2\/media?parent=6048"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}