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Schedule of Charges for Current Accounts w.e.f 1st June 2020
- Average Monthly Balance (AMB)
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 If AMB is >50% but <100%, then ₹ 400/- per Month, and if AMB is <=50% then ₹ 500/- per Month
- Grouping with Family Accounts or Business
Current Account Grouping Can be grouped to a higher value CA Group AMB for Current Account Grouping As per the higher variant or primary CA Current Account group AMB Non-maintenance Charges As per the non-maintenance charges of the group Savings Account Grouping (same limit can be utilised for CASA Grouping) 1 Savings Account of the equal or lower value can be grouped Group AMB for CASA Grouping Combined AMB of all the accounts in the group Savings Group AMB Non-maintenance Charges ( FD in lieu of AMB/ debit card spends in lieu of AMB will not be considered for group AMB non-maintenance charges) If the AMB is not maintained as a group, all accounts which have failed to maintain the AMB will be charged as per the AMB Non-maintenance charges of the respective account variant. Cheque book (PAP cheque book of 25 leaves) 1 cheque book free per month Charges beyond free limits ₹ 2 per leaf
Local Cheque clearing Free Outstation cheque collection charges at bank location Up to ₹ 5000: ₹ 25, Above 5000 and up to and including ₹ 10,000: ₹ 50, Above ₹ 10,000 and up to and including ₹ 100000: ₹ 100, Above ₹ 100000: ₹ 150 Outstation cheque collection charges at non-bank location RTGS inward / NEFT inward / IMPS inward Free
Demand Draft and Payorder at branch locations Free up to 5 DDs 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 Cash Dep limit for Home and Non-home Combined 10 times of the previous month AMB, max of ₹ 3 lacs Charges beyond Free Limits ₹ 3/1000 Cash Withdrawal at home location Free Cash Withdrawal at non-home location Free upto ₹ 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 limit Debit Card Cash Withdrawal txns at non-metro location (other Bank ATMs) No free limit Charges beyond free limits of ATM withdrawals ₹ 20 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
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 Transaction Slip Retrieval charges (for 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 ₹ 350 per cheque for up to 2 cheques, ₹ 500 per cheque for 3-5 cheques, ₹ 750 per cheque 6th cheque onwards Inward cheque return charges for technical reasons NIL Standing instructions set up/Amendment (Free for RD/SIP/Bill Payment) ₹ 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
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*
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 ₹ 200000 ₹ 150 ₹ 200000 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|