ANUNAYNAMA / MONEY EXPLAINED
Three accounts in one bank: more deposit cover?
Hindi audio and Hindi subtitles · AI-assisted narration and visuals
The explanation
DICGC insurance is capped at ₹5 lakh per depositor, per insured bank, in the same right and capacity. Principal and interest together fall within that limit. In the example, ₹2 lakh in savings plus a ₹4 lakh fixed deposit held solely in the same name totals ₹6 lakh, but the maximum cover is ₹5 lakh. Using different branches of the same bank does not increase this limit.
Educational examples only. Check the rules currently applicable to your bank and product before acting.
Sources & further reading
Source review: 2 November 2026. Rules and product terms can change.
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