Schedule of Charges for Current Accounts w.e.f 1st August 2021

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	₹ 250000 (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If AMB maintained is less than 75% of the required product AMB in any month, all free transactions limits will be withdrawn and each transaction will be chargeable as per Current Account Schedule of Charges in subsequent month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Free transactions shall be withdrawn if the 'Average Monthly Balance' maintained is less than 75% of the required product AMB and charges will be applicable on every transaction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)	20 cheque books free per month
Charges beyond free limits	₹ 2 per leaf

Collections

Local Cheque clearing	Free
Outstation cheque collection charges at bank location	Free
Outstation cheque collection charges at non-bank location
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Free transactions shall be withdrawn if the 'Average Monthly Balance' maintained is less than 75% of the required product AMB and charges will be applicable on every transaction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 25 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)	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Free transactions shall be withdrawn if the 'Average Monthly Balance' maintained is less than 75% of the required product AMB and charges will be applicable on every transaction

Combined free cash deposit limit at Home + Non Home location (Including ATM and Branch)	15 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 up to ₹ 100000 per day by self or third party, beyond which charges of ₹ 4/1000
Debit Card Cash Withdrawal txns at metro location (other Bank ATMs)	Unlimited Free
Debit Card Cash Withdrawal txns at non-metro location (other Bank ATMs)	Unlimited Free
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

WINGS Platinum Debit Card( Issuance/Annual Maintenance/Renewal/ Re-isuance charges)	Free for first year, second year onwards ₹ 500/- per year
Card transactional 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	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	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

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	Free one pickup per day (More than once a day ₹ 50/- per call)
Cheque Pickup beat (per month)	Free once a day( More than once a day  ₹ 50/- per call)

Cash pickup Beat (charges per month)

 

Upto ₹ 400000	Free once per day(Beyond which charges as per on call applicable)
₹ 400000 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.