Regular Savings Account
Regular savings account with added benefits. A perfect balance of savings to spends. Access your account 24x7 using our Internet or Mobile Banking.
Features
AMB of ₹ 10000
No Maintenance Charges
One multicity cheque of 25 leaves free per quarter
Spend more, Save more using Debit Card
Your Favorite Number can now be your Bank Account Number
Nomination facility available
Savings Account Interest Rate w.e.f. 23rd November, 2023
Daily Closing Balance | Rate Slab |
---|---|
Up to ₹ 1 lakh | 3.50% |
Above ₹ 1 lakh and upto ₹ 5 lakhs | 5.00% |
Above ₹ 5 lakhs and upto ₹ 50 Crs | 7.00% |
Above ₹ 50 Crs | 7.80% |
Interest will be calculated on the daily closing balance of the account
Interest will be paid on quarterly basis by direct credit in the savings account
Slabs rates are applicable on the incremental amount based on the closing balance
Please read all terms and conditions

Charges
Schedule of charges for Savings Accounts w.e.f 8th January 2023.
- Average Monthly Balance
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AMB (50% for semi-urban and rural areas) ₹ 10,000/- In Metro, Urban branches
₹ 5000/- in Semi-urban branches
₹ 2500/- in Rural branchesAMB non-maintenance charges (to be charged monthly) NO CHARGES APPLICABLE - Grouping with Family Accounts or Business
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Current Account Grouping Can be grouped to Current account of equal or higher value Savings Account Grouping Can be grouped to Savings Account of higher value Cheque book (PAP cheque book of 25 leafs) limit 1 cheque book free per quarter 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 – Charge of ₹ 25, Above 5000 and up to and including ₹10,000 – Charge of ₹ 50, Above ₹ 10,000 and up to including ₹ 100000 – Charge of ₹ 100, Above ₹ 100000 – Charge of ₹ 150 Outstation cheque collection charges at non-bank location RTGS inward / NEFT inward / IMPS inward Free Foreign inward remittance Free - Payments
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Demand Draft and Payorder at branch locations Free up to 3 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 at branch (free online) NEFT :Upto ₹ 10000/- ₹ 2.25, From ₹ 10001 to ₹ 100000 : ₹ 4.5, From ₹ 100001 to ₹ 200000 : ₹ 14.5,Above ₹ 200000 : ₹ 24.5. RTGS: From ₹ 200000 to ₹ 500000 : ₹ 20, Greater than ₹ 500000 : ₹ 40. IMPS outward (per day limit of ₹ 5,00,000/-) ₹ 1 per Transaction - Cash Charges
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Cash Deposit limit at home location Free up to ₹ 1,00,000 per month Cash Deposit limit at Non-Home location (including ATM) NIL Charges beyond free limits at Home & Non-Home Branch (Including ATM and Branch) ₹ 4/1000 Cash Withdrawal at home location Free Cash Withdrawal at non-home location ₹ 4/1000 Debit Card Transactions at across Equitas Bank ATMs (Include Financial & Non-Financial Transaction) Free Unlimited Debit Card Transactions at Metro location other Bank Atms (Financial & Non-Financial Transactions) 3 Debit Card Transactions at Non-Metro location other Bank Atms (Financial & Non-Financial Transactions) 5 Charges on Financial Transactions beyond free limits* ₹ 21 per transaction Charges on Non-Financial Transactions beyond free limits ₹ 10 per transaction 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) ₹ 125 Rupay Platinum Debit Card (Charges for issuance and renewal) ₹ 199 VISA Gold Debit Card (Charges for issuance and renewal) ₹ 125 VISA Platinum Debit Card(Charges for issuance and renewal) ₹ 199 ELITE / VISA Signature Debit Card(Charges for issuance and renewal) ₹ 499 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 ₹ 100 per cheque 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/ Outward 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) ₹ 150 per return ECS / NACH return due to financial reasons ₹ 200 per return SMS Alerts (Debit & Credit Transaction^) Free SMS Alerts (Day-End Balance Change) ₹ 10 per quarter (only if facility is availed) - Certificate and Report issuance
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Balance Certificate at Branch (online free) ₹ 250 per instance Previous year balance and interest statement (free online) 1 free per annum, `300 per statement thereafter Passbook issuance Free Duplicate Passbook issuance ₹ 50 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, after 15 days of account opening and before completing 6 months. ₹ 500 Account inactive charges NIL - Doorstep Banking*
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Cheque pickup (on call) ₹ 50 per instance Cheque pickup beat (Per month) ₹ 300 Cash pickup beat (charges per month) Up to ₹ 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) Up to ₹ 200000 ₹ 150 ₹ 200000 to ₹ 500000 ₹ 300 ₹ 500000 to ₹ 1000000 ₹ 500 ₹ 1000000 to ₹ 2000000 ₹ 800 ₹ 2000000 above Contact branch - No of Transactions
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Aggregation of all the customer induced transactions including:
Cash / Cheque / DSB / DD(Excluding Online and ATM Txn) 8 transactions free per month Charges beyond free limits ₹ 15 per transaction over and above the individual transaction limit charges
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 |
- Cash withdrawal failed due to insufficient funds considered as financial transaction
- All Debits, Credits above ₹ 5,000 only (for alert of credit below ₹ 5,000 raise request with branch or customer care)
- ELITE Debit Card is issued to ELITE customers only, Rs.499 charges applicable if customer no longer holds ELITE program status (contact customer care/branch for replacement debit card to avoid charges)