CURRENT ACCOUNT
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Business Account
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Features
Schedule of Charges for Current Accounts w.e.f 15th February 2022
- Average Monthly Balance (AMB)
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AMB (50% in semi-urban and rural branches) ( 50% waiver for women proprietor in metro/urban branches has been discontinued)
Please Note: The Balance Maintenance criteria has been changed from average quarterly balance to average monthly balance₹ 10000 (AMB) AMB non-maintenance charges Nil Transaction Charges If AMB maintained is less than 75% of the required product AMB in any month, all free transactions limits will be withdrawn and each transaction will be chargeable as per Current Account Schedule of Charges in subsequent month - Grouping with Family Accounts or Business
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Group AMB Balance will not be considered if the 'Average Monthly Balance' maintained under an account in the group falls less than 75% and transactions charges will be applicable on the free transaction limits at an account level also - Cheque Book
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Free transactions shall be withdrawn if the 'Average Monthly Balance' maintained is less than 75% of the required product AMB and charges will be applicable on every transaction Cheque book (PAP cheque book of 25 leafs) 1 cheque book free per month Charges beyond free limits ₹ 2 per leaf - Collections
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Local Cheque clearing Free Outstation cheque collection charges at bank location Up to ₹ 5000. ₹ 25, Above 5000 and up to and including ₹10000: ₹50, Above ₹ 10000 and up to and including ₹ 100000 : ₹100, Above ₹ 100000: ₹ 150 Outstation cheque collection charges at non-bank location Up to ₹ 5000. ₹ 25, Above 5000 and up to and including ₹10000: ₹50, Above ₹ 10000 and up to and including ₹ 100000 : ₹100, Above ₹ 100000: ₹ 150 RTGS inward / NEFT / IMPS inward Free - Payments
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Free transactions shall be withdrawn if the 'Average Monthly Balance' maintained is less than 75% of the required product AMB and charges will be applicable on every transaction Demand Draft and Payorder at branch locations Free up to 5 DD's per month Charges beyond free limits ₹ 50/- per DD Demand Draft at non-branch locations ₹ 100 per DD PAP cheque payment Free RTGS and NEFT outward (Free online) NEFT : Upto ₹ 10000/- ₹ 2.25, From ₹ 10001 to ₹ 100000 : ₹ 4.5, From ₹ 100000 to ₹ 200000 : ₹ 14.5,Above ₹ 200000 : ₹ 24.5. RTGS: From ₹ 200000 to ₹ 500000 : ₹ 20, Greater than ₹ 500000 : ₹ 40.
IMPS Outward ( per day limit of ₹ 2,00,000/-) Free - Cash Charges
- Free transactions shall be withdrawn if the 'Average Monthly Balance' maintained is less than 75% of the required product AMB and charges will be applicable on every transaction
Combined free cash deposit limit at Home + Non Home location (Including ATM and Branch) 10 times of the previous month AMB, maximum of ₹3 lacs per month Charges beyond free limits ₹ 3/1000 Cash Withdrawal at home location Free Cash Withdrawal at non-home location Free up to ₹ 50000 per day by self or third party, beyond which charges of ₹ 4/1000 Debit Card Cash Withdrawal txns at metro location (other Bank ATMs) No Free Transaction Debit Card Cash Withdrawal txns at non-metro location (other Bank ATMs) No Free Transaction Charges beyond free limits of ATM withdrawals ₹ 21 per txn Cash withdrawal outside India (for international cards only) ₹ 110/- per transaction Balance Inquiry Outside India (for international cards only) ₹ 25/- per transaction - Other Charges
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Rupay/VISA Classic Debit Card ( Charges for issuance and renewal) ₹ 100 Rupay Platinum Debit card( Charges for issuance and renewal) ₹ 100 VISA Gold Debit card ( Charges for issuance and renewal) ₹ 100 VISA Platinum Debit Card( Charges for issuance and renewal) ₹ 150 VISA Signature Debit Card( Charges for issuance and renewal) ₹ 400 Card Transactional Slip Retrieval charges (Incorrect Claims) ₹ 250/- per slip Stop payment single cheque (free online) ₹ 100 per cheque Stop payment series (free online) ₹ 150/- for a series of 25 cheques Outward cheque return charges for financial reasons ₹ 50 per cheque Outward cheque return charges for technical reasons NIL Inward cheque return charges for financial reasons Upto 2 cheque ₹350/- per cheque, 3-5 cheque ₹ 500, 6th cheque onwards ₹ 750 per cheque Inward cheque return charges for technical reasons
NIL Standing instructions set up/Amendment ₹ 25 per instance Standing instructions failure (return) ₹ 200 per return ECS / NACH return due to financial reasons ₹ 200 per return SMS alerts Free - Certificate and Report issuance
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Balance Certificate at the branch (online free) ₹ 250/- per instance Previous year balance and interest statement 1 free per annum. ₹ 300/- per statement thereafter. Signature verification certificate / Photo attestation / Address confirmation ₹ 50/- per instance Duplicate TDS certificate ₹ 100/- Duplicate account statement Print (Free Online or on email) ₹ 50/- DD/PO revalidation/cancellation ₹ 100 Account closure charges if closed on customer request before 6 months of account opening date and after 15 days of account opening. ₹ 500/- Account Inactive charges NIL - Doorstep Banking*
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Free transactions shall be withdrawn if the 'Average Monthly Balance' maintained is less than 75% of the required product AMB and charges will be applicable on every transaction Cheque pickup on call per instance ₹ 50 per instance Cheque Pickup beat (per month) ₹ 450 Cash pickup Beat (charges per month) Upto ₹ 200000 ₹ 2200/- ₹ 200000 to ₹ 500000 ₹ 3200/- ₹ 500000 to ₹ 1000000 ₹ 8000/- ₹ 1000000 to ₹ 2000000 ₹ 12000/- ₹ 2000000 above Contact Branch Cash pickup On call (charges per instance) Upto ₹ 400000 ₹ 150/- ₹ 400000 to ₹ 500000 ₹ 300/- ₹ 500000 to ₹ 1000000 ₹ 500/- ₹ 1000000 to ₹ 2000000 ₹ 800/- ₹ 2000000 above Contact Branch
Available on request at select locations only. Taxes as applicable will be additional.
PAP: Payable At Par | NA: Not Applicable |
SA: Savings Account | CA: Current Account |