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CURRENT ACCOUNT

We offer a convenient and comprehensive banking experience. Choose from a wide range of current account products for easy and efficient banking for your smart business.

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Business Account

Here is an account that suits your small and smart business with features to support your business growth.

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  • Aqb-icon

    AMB of ₹ 10,000

    Debit card-icon

    RuPay Debit Card

    Cheque-icon
    Multi-city cheque book of 25 leafs per month.
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    Nomination facility available for Individual & Proprietorship account

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Charges

Schedule of Charges for Current Accounts w.e.f 1st August 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 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If AMB maintained is less than 75% of the required product AMB in any month, all free transactions limits will be withdrawn and each transaction will be chargeable as per Current Account Schedule of Charges in subsequent month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
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
Free transactions shall be withdrawn if the 'Average Monthly Balance' maintained is less than 75% of the required product AMB and charges will be applicable on every transaction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
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
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 ₹ 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 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
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*
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