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.

Trade-In Current Account
Composite Banking Solutions to all your Large Scale Business Entrepreneurs with an advanced digital banking platform and a dynamic cash deposit. Well, we could go on.
Features
Sweep FD Facility:
Let the idle funds in your Equitas Trade-In Current Account make your more money with automatic Sweep In Sweep Out FD.
- Threshold Amount: ₹2,00,000/ -
- Term Deposit Tenure: 90 Days
- No Premature Withdrawal Penalty on Sweep FD
Schedule of Charges for Current Accounts w.e.f 15th February 2022
- Average Monthly Balance
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AMB (50% in semi-urban and rural branches or if the proprietor is a woman in metro / urban branches) ₹ 100000 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If AMB maintained is less than 75% of the required product AMB in any month, all free transactions limits will be withdrawn and each transaction will be chargeable as per Current Account Schedule of Charges in subsequent month - Grouping with Family Accounts or Business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
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Free transactions shall be withdrawn if the 'Average Monthly Balance' maintained is less than 75% of the required product AMB and charges will be applicable on every transaction Cheque book (PAP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) 6 cheque books 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 ₹ 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 - 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Free transactions shall be withdrawn if the 'Average Monthly Balance' maintained is less than 75% of the required product AMB and charges will be applicable on every transaction Demand Draft and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 20 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) Free at branches if 75% or above of the required product AMB is maintained in the previous month
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
Free Cash Dep limit for Home + Non-home Combined 12 times of the previous month AMB, no upper cap 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) 3 Debit Card Cash Withdrawal txns at non-metro location (other Bank ATMs) 5 Charges beyond free limit 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, annual fees, re-issuance) Free Rupay Platinum Debit Card (charges for issuance, annual fees, re-issuance) Free for First year, charges from second year Rs. 100 per year 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) Free 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 One free pickup per day (₹ 50 per call if more than once a day) Cheque Pickup beat (per month) Free once a day (₹ 50 per call if more than once a day) Cash pickup Beat (charges per month) Upto ₹ 200000 Free (beyond which charges as per on call applicable) ₹ 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 |