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Service Charges
Service Charges
For revised ATM charges refer Debit Card Service Charges
Service Charges w.e.f. 1st April 2024
SERVICE CHARGES W.E. F 1st APRIL 2024
Service charges applicable to Savings / Current / Term deposit / Overdraft / Loan a/c.
GST will be levied over and above the service charges applicable.
No
Type of Charge
Revised Charges
1
Account Maintenance Charges (Ledger folio)
A
Savings a/c - Regular/ NRE /NRO/ Senior citizen/ Easy deposit scheme/ CUBS/ Janhit
(Small Account)/ Elite/ Elite Silver/ Elite Gold/
Campus/ Akshay salary/ Suvidha/ PMJDY
Savings Account
No charges
B
Regular/ Elite Current a/c/ Overdraft a/c
Rs. 150 per quarter
C
Premium Current a/c / RERA Premium Current a/c
*Rs. 150 per quarter
D
Platinum Current a/c / RERA Platinum Current a/c
*No charges
E
Society Value Current Account
No charges
F
Society Prime Current Account
No charges
*Charges will be applicable for Platinum and Premium Accounts as per the Regular Current Scheme
IF
the required average Quarterly balance is not maintained.
2
Duplicate Passbook
A
Savings a/c - Regular/ NRE /NRO/ Senior citizen/ Easy deposit scheme/ CUBS/ Janhit
(Small Account)/ Elite/ Elite Silver/ Elite Gold/
Campus/
Akshay salary/ Suvidha/ PMJDY Savings Account
Rs 100/- per passbook
B
*Society -Prime
Free
C
Regular/ Elite/ Premium / Platinum Current a/c/ Overdraft a/c/ RERA Elite/ Premium / Platinum a/c
Not Applicable
D
Society Value Current Account
Rs.100/- per Passbook
E
Society Prime Current Account
Free
3
Duplicate Statement (Per page = 40 entries)
A
Savings a/c - Regular/ NRE /NRO/ Senior citizen/ Easy deposit scheme/ CUBS/ Janhit
(Small Account)/ Elite/ Elite Silver/ Elite Gold/
Campus/ Akshay salary/ Suvidha/ PMJDY
Savings Account
Rs 100/- per page or part thereof
B
Regular/ Elite/ Premium / Platinum Current a/c/ Overdraft a/c
Rs.150/- per page or part thereof
C
Society Value Current Account
Rs.150/- per page or part thereof
D
Society Prime Current Account
Rs.150/- per page or part thereof
4
Cheque leaf charges (Per leaf)
A
Savings a/c - Regular/NRE/NRO/Senior citizen/Easy deposit scheme/ Akshay salary/ Suvidha
20 cheque leaves free every financial year, thereafter
Rs
5/- per cheque leaf
B
Elite Savings a/c
40 cheque leaves free every financial year, thereafter
Rs
5/- per cheque leaf
C
Elite Silver Savings a/c/* Society Value savings
100 cheque leaves free every financial year, thereafter
Rs 5/- per cheque leaf
D
* Society Plus savings
250 cheque leaves free every financial year, thereafter
Rs 5/- per cheque leaf
E
Elite Gold Savings a/c / * Society Prime savings
Free unlimited
F
Cubs Savings a/c
Not Applicable
G
Janhit (Small Account) Savings a/c
Not Applicable
H
Regular Current a/c
50 cheque leaves free p.a. , thereafter
Rs 5/- per cheque leaf.
I
Elite Current a/c / RERA Elite Current a/c
200 cheque leaves free p.a. , thereafter
Rs 5/- per cheque leaf.
J
Premium Current a/c / RERA Premium Current a/c
250 cheque leaves free p.a. , thereafter
Rs 5/- per cheque leaf.
K
Platinum Current a/c /RERA Platinum Current a/c
300 cheque leaves free p.a. , thereafter
Rs 5/- per cheque leaf.
L
Society Value Current Account
250 cheque leaves free p.a. tthereafter
Rs.5/- per cheque leaf
M
Society Prime Current Account
300 cheque leaves free p.a. thereafter
Rs.5/- per cheque leaf
5
Issue of loose cheque leaf
Discontinued as no Loose Cheques issued now
6
Non Collection of Personalized Cheque book from the branch within stipulated time (Return undelivered)
A
Savings a/c - Regular/ NRE /NRO/ Senior citizen/ Easy deposit scheme/ CUBS/ Janhit
(Small Account)/ Elite/ Elite Silver/ Elite Gold /
Campus/ Akshay salary/ Suvidha
Rs 25/- per cheque book
B
Regular/ Elite/ Premium / Platinum Current a/c/ Overdraft a/c
Rs 50/- per cheque book
C
Society Value Current Account
Rs 50/- per cheque book
D
Society Prime Current Account
Rs 50/- per cheque book
7
Minimum balance for With/ without Cheque book facility – Average quarterly balance (AQB) requirement w.e.f 07.01.2019
A
Regular Savings Account
a)
For Individuals - Including minor /NRE/NRO
b) For Non individuals - Trust, Foundation, Society (existing) HUF etc.
(i)
Urban/ Metro branches = Rs 2000/-
(ii) Semi-Urban branches = Rs 1000/-
(iii) Rural branches = Rs 500/-
c) For Senior citizen, Pension accounts and Self Help Group (Bachat Gat)
(i)
Urban/ Metro branches = Rs 1000/-
(ii) Semi-Urban branches = Rs 500/-
(iii) Rural branches = Rs 250/-
B
Elite Savings Account
All branches = Rs 5000/-
C
Elite Silver Savings Account
All branches = Rs 25000/-
D
Elite Gold Savings Account
All branches = Rs 100000/-
E
Cubs Savings Account
All branches = Rs 100/-
F
Janhit (Small Account) Savings a/c
All branches = Rs 100/-
G
My Money Savings
All branches = Rs 1000/-
H
MAVIM Micro Finanace Savings Account
(i)
Urban/ Metro branches = Rs 1000/-
(ii) Semi-Urban branches = Rs 1000/-
(iii) Rural branches = Rs 500/-
I
Easy deposit/ Campus/ Akshay salary/
Suvidha Savings a/c/ PMJDY Savings Account
All branches = Nil
Current Accounts
J
Regular Current Account
(i)
Urban/ Metro branches = Rs 5000/-
(ii) Semi-Urban branches = Rs 2500/-
(iii) Rural branches = Rs 1500/-
K
Elite Current Account / RERA Elite Current Account
All Branches = Rs 10000/-
L
Premium Current Account / RERA Premium Current Account
All branches = Rs 50000/-
M
Platinum Current Account / RERA Platinum Current Account
(i)
Urban/ Metro branches = Rs 300000/-
(ii) Semi-Urban branches = Rs 200000/(iii) Rural branches = Rs 200000/-
N
Society Value Current Account
All branches = Rs.25000/-
O
Society Prime Current Account
All branches = Rs.100000/-
8
Charges for Non maintenance of Average quarterly balance (AQB) for quarter
Regular Savings Account
A
a)
For Individuals - Including minor /NRE/NRO
b)
For Non individuals - Trust, Foundation, Society(Existing), HUF etc.
(i)
Urban/ Metro branches = Rs 150/- per quarter
(ii)
Semi-Urban branches = Rs 75/- per quarter
(iii) Rural branches = Rs 35/- per quarter
c)
For Senior citizen, Pension accounts and
Self Help Group (Bachat Gat)
(i)
Urban/ Metro branches = Rs 75/- per quarter
(ii)
Semi-Urban branches = Rs 35/- per quarter
(iii) Rural branches = Rs 15/- per quarter
B
Elite Savings Account/ *Society-Value Savings
All branches = Rs 250/- per quarter
C
Elite Silver Savings Account / *Society-Plus Savings
All branches = Rs 750/- per quarter
D
Elite Gold Savings Account / *Society -Prime Savings
All branches = Rs 1000/- per quarter
E
Cubs Savings Account
All branches = Rs 5/- per quarter
F
My Money Account
All branches = Rs 75/- per quarter
G
MAVIM Micro Finance Savings Account
(i) Urban/ Metro branches = Rs 75 /- per quarter
(ii) Semi-Urban branches = Rs 75 /- per quarter
(iii) Rural branches = Rs 35/- per quarter
H
Campus Account, Akshay Salary
Account, Suvidha Savings Account, Easy Deposit
Not applicable
I
Janhit Account
All branches = Rs 5/- per quarter
J
Pradhan Mantri Jana Dhana Yojana Savings Account
Not applicable
Current Accounts
K
Regular Current Account
(i) Urban/ Metro branches = Rs 1200/- per quarter
(ii) Semi-Urban branches = Rs 600/- per quarter
(iii) Rural branches = Rs 360/- per quarter
L
Elite Current Account / RERA Elite Current Account
All branches = Rs 1500/- per quarter
M
Premium Current Account/ RERA Premium Current Account
All branches = Rs 2000/- per quarter
N
Platinum Current Account / RERA Platinum Current Account
All branches = Rs 4000/- per quarter
O
Society Value Current Account
All branches = Rs 1200/- per quarter
P
Society Prime Current Account
All branches = Rs 2500/- per quarter
Note -
The penal charges shall be directly proportionate to the extent of shortfall observed. In other words, the charges shall be a fixed percentage levied on the amount of difference between the actual balance maintained during the quarter and the minimum balance as agreed upon at the time of opening of account. Accordingly, a suitable slab structure for recovery of charges is finalized.
9
Stop payment instruction
A
Savings a/c - Regular/ NRE /NRO/ Senior citizen/ Easy deposit scheme/ CUBS/ Janhit
(Small Account)/ Elite/ Elite Silver/ Elite Gold/
Campus/ Akshay salary/ Suvidha a/c
Rs 100/- + GST per cheque leaf, Maximum Rs.500/- + GST per instance
B
*Society-Value/ *Society-Plus/ *Society -Prime
Rs 150/- + GST per cheque leaf, maximum Rs.500/- + GST per instance
C
Current A/c : Regular/ Elite/ Premium /
Platinum/ Society Value/ Society Prime Current a/c/ Overdraft a/c
Rs 150/- + GST per cheque leaf, maximum Rs.500/- + GST per instance
10
Stop payment instruction after Loss of complete cheque book or range of cheques
A
Savings a/c - Regular/ NRE /NRO/ Senior citizen/ Easy deposit scheme/ CUBS/ Janhit
(Small Account)/ Elite/ Elite Silver/ Elite Gold/
Campus/ Akshay salary/ Suvidha
Rs 100/- per instance
B
*Society-Value/ *Society-Plus/ *Society -Prime/
Rs 200/- per instance
C
Current A/c : Regular/ Elite/ Premium / Platinum/ Society Value/ Society Prime Current a/c/ Overdraft a/c
Rs 200/- per instance
11
Charges for registration of Standing Instruction for payment of loan/ RD instalment for account maintained across the Bank
No charges
12
Charges for registration of Standing
instruction where credit a/c is other than loan/RD
Charges= Rs.100/-+GST per registration
13
SI Bounce Charges
Rs.100/- per month
(New Charges Introduced - If SI not executed due to non maintenance of balance on the specified date, charges to be levied)
14
Confirmation of signature
Rs 100/- per request
15
Photo attestation
Rs 100/- per request
16
Address confirmation
Rs 100/- per request
17
Solvency certificate for Education loan purpose
A
Savings a/c - Regular/ NRE /NRO/ Senior citizen/ Easy deposit scheme/ CUBS/ Janhit (Small Account)/ Elite/ Elite Silver/ Elite Gold/
Campus/ Akshay salary/ Suvidha/ PMJDY
Savings Account
Rs 1500/- + GST
B
Regular / Elite Current a/c/ Overdraft a/c
Rs 1500/- + GST
C
Premium Current a/c /RERA Premium Current a/c/ Society Value Current a/c
Rs 1000/- for 1st copy & Rs 50/- per copy of the rest original copies
D
Platinum Current a/c / RERA Platinum Current a/c /Society Prime a/c
No charges
E
Non-Account Holders
Rs 3000/- for 1st Copy & Rs 200/- per copy for the rest of the original copies
18
Solvency Certificate for Non-Borrowers
A
Savings a/c - Regular/ NRE /NRO/ Senior citizen/ Easy deposit scheme/ CUBS/ Janhit (Small Account)/ Elite/ Elite Silver/ Elite Gold/
Campus/ Akshay salary/ Suvidha/ PMJDY
Savings Account
Minimum Rs 1000/-, otherwise Rs 300/- per lac or part thereof subject to maximum of Rs 100000/-
B
Regular / Elite Current a/c/ RERA Regular/ Elite
Minimum Rs 1000/-, otherwise Rs 300/- per lac or part thereof subject to maximum of Rs 100000/-
C
Premium Current a/c / Society Value Current a/c/ RERA Premium Current a/c
Minimum Rs 500/-, otherwise Rs 150/- per lac or part thereof subject to maximum of Rs 100000/-
D
Platinum Current a/c / RERA Platinum Current a/c/ Society Prime a/c
No charges
19
Solvency certificate for For Borrowers (Retail Commercial Exposure upto Rs 10.00 cr )
Rs 400/- per lakh, Minimum Rs 2500/- and Maximum Rs 1.50 lakh
20
Balance certificate
A
Savings a/c - Regular/ NRE /NRO/ Senior citizen/ Easy deposit scheme/ CUBS/ Janhit (Small Account)/ Elite/ Elite Silver/ Elite Gold/
Campus/ Akshay salary/ Suvidha/ PMJDY
Savings Account
From 1st instance Rs 50/- + GST per instance
B
Regular / Elite Current a/c/ Overdraft a/c/ RERA (Regular/ Elite )
From 1st instance Rs 50/- + GST per instance
C
Premium Current a/c /RERA Premium Current a/c/ Society Value Current a/c
From 1st instance Rs 50/- + GST per instance
D
Platinum Current a/c / RERA Platinum Current a/c /Society Prime a/c
From 1st instance Rs 50/- + GST per instance
21
Issue of certificate viz. No Dues, NOC,
Interest certificate, Cheque honoured, Account Maintaining etc
Rs.100/- + GST per instance
22
Enquiry Of Old Transactions
Enquiry Related to Old records ( Old records means accessing History server)
A
Savings a/c - Regular/ NRE /NRO/ Senior citizen/ Easy deposit scheme/ CUBS/ Janhit (Small Account)/ Elite/ Elite Silver/ Elite Gold/
Campus/ Akshay salary/ Suvidha/ PMJDY
Savings Account
(i) Upto 1 year =Rs.100
(ii) Beyond 1 year to 3 year = Rs 200/- per request
(iii) Beyond 3 years = Rs 500/- per request or Rs 100/- per page (max 40 entries per page) whichever is higher
B
Regular/ Elite/ Premium/ Platinum/ Society Value/ Society Prime Current a/c/ Overdraft a/c
(i) Upto 1 year =Rs.100
(ii) Beyond 1 year to 3 year = Rs 200/- per request
(iii) Beyond 3 years = Rs 500/- per request or Rs 200/- per page (max 40 entries per page) whichever is higher
23
Transfer Of proceeds/ Term deposit (after maturity)/ Term deposit Interest
(i) Within Bank: No charges
(ii) To Other Bank: As applicable for DD/Payorder issuance
24
Unutilised cheque leaves at the time of closure of Account
A
Savings a/c - Regular/ NRE /NRO/ Senior citizen/ Easy deposit scheme/ CUBS/ Elite/ Elite Silver/ Elite Gold/*Society-Value/ *SocietyPlus/ *Society -Prime/ Campus/ Akshay salary/ Suvidha
Rs 5/- per cheque leaf
B
Janhit (Small Account) Savings a/c/ PMJDY Savings Account
Not applicable
C
Regular/ Elite/ Premium/ Platinum/ Society Value/ Society Prime Current a/c/ Overdraft a/c
Rs 2/- per cheque leaf
25
Closure Of Account
A
Savings a/c - Regular/NRE/NRO/Senior citizen/ Easy deposit scheme/ Cubs/ Campus/ Akshay salary
(i)
Within 14 days – No penal charges
(ii) After 14 days up to 6 Months = Rs 300/-
(iii) Within 1 year = Rs 250/-
B
Elite Savings a/c
(i)
Within 14 days – No penal charges
(ii) After 14 days up to 6 Months = Rs 350/-
(iii) Within 1 year = Rs 250/-
C
Elite Silver Savings a/c
(i)
Within 14 days – No penal charges
(ii) After 14 days upto a 1 year = Rs 600/-
D
Elite Gold Savings a/c
(i)
Within 14 days of opening of account - No penal charges
(ii) After 14 days upto a 1 year = Rs 850/-
E
*Society-Value Savings
(i)Within 14 days – No penal charges
(ii)
Within 6 Months = Rs 250/-
(iii) Within 1 year = Rs 150/-
F
*Society-Plus Savings
(i) Within 14 days of opening of account - No penal charges
(ii)
Within 6 Months = Rs 1000/-
(ii) Within 1 year = Rs 500/-
G
*Society-Prime Savings
(i)
Within 14 days of opening of account - No penal charges
(ii)
Within 6 Months = Rs 2000/-
(iii) Within 1 year = Rs 1000/-
H
Janhit (Small Account) Savings a/c
(i)
Within 14 days of opening of account - No penal charges
(ii)Within 6 Months = Rs 10/-
I
My Money Account
(i) Within 14 days of opening of account - No penal charges
(ii) After 14 days up to 6 Months = Rs 250/- + GST
(iii) Above 6 months up to 1 year =
Rs 150/- + GST
J
Regular Current a/c
(i)
Within 14 days of opening of account - No penal charges
(ii) After 14 days up to 6 Months = Rs 600/-
(iii) Within 1 year = Rs 350/-
K
Elite Current a/c / RERA Elite Current a/c
(i)
Within 14 days of opening of account - No penal charges
(ii)After 14 days up to 6 Months = Rs 400/-
(iii) Within 1 year = Rs 300/-
L
Premium Current a/c,RERA Premium Current a/c ,Society Value Current a/c
(i)
Within 14 days of opening of account - No penal charges
(ii) Within 6 Months = Rs 1000/-
(iii) Within 1 year = Rs 500/-
M
Platinum Current a/c , RERA Platinum Current a/c ,Society Prime Current a/c
(i)
Within 14 days of opening of account - No penal charges
(ii)
Within 6 Months = Rs 2000/-
(iii) Within 1 year = Rs 1000/-
26
Addition / Deletion Of Names
Charges Discontinued - No Charges
A
In joint accounts / Nomination changes in operational instruction
B
In case of death case
27
Registration of Power of Attorney/ Mandate
Rs 500/-per request ( One Time Registration Charge)
28
Withdrawal by cheque or otherwise exceeding 50 per half year (Excluding system generated transactions on alternate delivery channel of our Bank)
A
Savings a/c - Regular/ NRE /NRO/ Senior citizen/ Easy deposit scheme/ CUBS/ Elite/ Elite Silver/ Elite Gold/ Campus/ Akshay salary
Rs 5/- per withdrawal after the 50 th transaction
B
Janhit (Small Account) / Suvidha Savings a/c /
PMJDY Savings Account
Not applicable
C
Regular/ Elite/ Platinum/ Premium/ Society Value/ Society Prime Current a/c/ Overdraft a/c
Not applicable
29
Cash Deposit/ Withdrawal limit at home branch
A
Savings a/c - Regular/ NRE /NRO/ Senior citizen/ Easy deposit scheme/ CUBS/ Janhit
(Small Account)/ Elite/ Elite Silver/ Elite Gold/
*Society-Value/ *Society-Plus/ *Society -Prime/
Campus/ Akshay salary/ Suvidha / PMJDY
Savings Account
Deposit/ Withdrawal = No limit
B
Regular/ Elite/ Premium/ Platinum/ Society Value/ Society Prime Current a/c/ Overdraft a/c
Deposit/ Withdrawal = No limit
30
Cash Deposit/ Withdrawal limit at non home branch
A
Savings a/c - Regular/ NRE /NRO/ Senior citizen/ Easy deposit scheme/ CUBS/ Janhit (Small Account)/ Elite/ Elite Silver/ Elite Gold/
Campus/ Akshay salary/ Suvidha/ PMJDY
Savings Account
(i) Deposit = No limit
(ii) Withdrawal = Rs 25000/- per day
B
*Society-Value/ *Society-Plus/ *Society -Prime/
(i)
Deposit = No limit
(ii) Withdrawal = Not Available
C
Regular/ Elite/ Premium/ Platinum/ Society Value/ Society Prime Current a/c/ Overdraft a/c
(i) Deposit = No limit
(ii) Withdrawal = Rs 50000/- per day
31
Cash handling charges at home branch & Non Home Branch
A
Savings a/c - Regular/ NRE /NRO/ Senior citizen/ Easy deposit scheme/ CUBS/ Janhit
(Small Account)/ Elite/ Elite Silver/ Elite Gold/
Campus/ Akshay salary
Withdrawal = No Charge
B
Savings a/c - Regular/ Elite/ Elite Silver/ Elite Gold/NRE/NRO
Cash deposit charges beyond free limit ( as below)
Regular Savings Account / NRO/ NRE- 200 pieces per day
Elite Savings Account - 300 pieces per day
Elite Silver Savings Account - 500 pieces per day
Elite Gold Savings Account - 1500 pieces per day
Rs.5/- per 100 pieces or part thereof.
Per day Rs. 10/- per packet of 100 coins or part thereof.
Where Average Quarterly Balance is NOT maintained during last quarter-
Per day Rs. 10/- per 100 pieces or part thereof. Rs. 20/- per packet of 100 coins per day or part thereof.
C
NRE / *Society-Value/ *Society-Plus/ *Society Prime/ Easy deposit scheme/Senior/ CUBS/ Janhit (Small Account)/ Campus/ Akshay salary
Deposit/ Withdrawal = No charges
D
Suvidha Savings a/c / PMJDY Savings Account
(i) Deposit = No charges
(ii) Withdrawal = First 4 transactions free in a month thereafter Rs. 10/- each for subsequent transaction.
E
Regular Current/ Elite Current/ Overdraft a/c/ Society Value Current a/c – Withdrawal charges per day per branch
If total Cash Withdrawal for that particular branch for that particular day exceeds Rs 100000/- = Rs 5/- per 10000 or part thereof on the full amount
F
Current a/c - Cash Deposit Charges
Type of account - Cash Deposit Free pieces per day
Cash deposit charges beyond free limit
Regular Current/Overdraft a/c - 200 pieces per day
Elite Current Account - 300 pieces per day
Premium/ Society Value Current Account - 500 pieces per day
Platinum / Society Prime Current Account - 1500 pieces per day
Rs.5/- per 100 pieces or part thereof.
Per day Rs. 10/- per packet of 100 coins or part thereof.
Where Average Quarterly Balance is NOT maintained during last quarter-
Per day Rs. 10/- per 100 pieces or part thereof. Rs. 20/- per packet of 100 coins per day or part thereof.
G
Cash deposited by Customer/ Non customer for remittance by way of DD/PO/ NEFT
Higher of (i) or (ii)
(i) On the basis of amount - Rs 10/- per 10000 or part thereof on the full amount
(ii) On the basis of notes – Rs. 10/- per 100 notes or part thereof
Note:
1. Where Average Quarterly Balance is NOT maintained during last quarter- Per day Rs. 10/- per 100 pieces or part thereof. Rs. 20/- per packet of 100 coins per day or part thereof.
2. If a customer deposits cash two or more times in a day, cash handling charges shall be collected by taking cumulative total of the cash deposited during the day, charges applicable if the pieces exceeds the exempted limit.
3. For coins there is no free pieces limit.
32
Remittance by issue of DD/ Mail transfer/ TT
A
Upto Rs 1000
Rs 20/-
B
Above 1000 and upto Rs 1 lakh
Minimum Rs 30/-, otherwise Rs 3/- per 000 whichever is higher
C
Above 1 lakh and upto Rs 10 lakh
Minimum Rs 300/-, otherwise Rs 2/- per 000 whichever is higher
D
Above 10 lakh
Minimum Rs 300/-, otherwise Rs 2/- per 000 whichever is higher subject to Maximum Rs 15000/-
33
Issue Of Payorder/ DD
A
Account Type
Free Limits in financial Year
Elite Savings a/c
4 and thereafter charges as below
Elite Silver Savings a/c
8 and thereafter charges as below
Elite Gold Savings a/c
12 and thereafter charges as below
B
Savings a/c - Regular/NRE/NRO/Senior citizen/ Easy deposit scheme/ Cubs/ Janhit (Small Account) / Campus/ Akshay salary/ Suvidha / PMJDY Savings Account/
For Elite Savings a/c /Elite Silver Savings a/c/ Elite Gold Savings a/c charges above free limit
(i)
Upto Rs 1000
Rs 50/- + GST
(ii)
Above 1000 and upto Rs 1 lakh
Minimum Rs 50/-, otherwise Rs 4/- per 000 +GST
(iii)
Above 1 lakh and upto Rs 10 lakh
Rs 4/- per 000 +GST
(iv)
Above 10 lakh
Rs 4/- per 000 +GST, Maximum Rs 15000/- +GST
C
Regular Current/ Regular RERA /Overdaft a/c
(i)
Upto Rs 1000
Rs 50/- + GST
(ii)
Above 1000 and upto Rs 1 lakh
Minimum Rs 50/-, otherwise Rs 4/- per 000 +GST
(iii)
Above 1 lakh and upto Rs 10 lakh
Rs 4/- per 000 +GST
(iv)
Above 10 lakh
Rs 4/- per 000 +GST, Maximum Rs 15000/- +GST
D.1
Elite Current a/c ,RERA Elite Current a/c
5 Payorder/ DD free per calendar month with maximum limit of Rs 25000/- per Payorder/ DD thereafter as below)
D.2
Premium Current a/c/ RERA Premium Current a/c /Society Value current
5 Payorder/ DD free per calendar month with maximum limit of Rs 50000/- per Payorder/ DD thereafter as below
(i)
Upto Rs 1000
Rs 50/- + GST
(ii)
Above 1000 and upto Rs 1 lakh
Minimum Rs 50/-, otherwise Rs 4/- per 000 +GST
(iii)
Above 1 lakh and upto Rs 10 lakh
Rs 4/- per 000 +GST
(iv)
Above 10 lakh
Rs 4/- per 000 +GST, Maximum Rs 15000/- +GST
E
Platinum/ RERA Platinum/Society Prime Current a/c
Free Unlimited
34
Revalidation of Payorder/ DD
Rs 100/- per instrument
35
Cancellation of Payorder/ DD
Rs 100/- per instrument
36
Issue of duplicate Payorder/ DD
Rs 100/- per instrument
37
Electronic Clearing Service (Return)
A
Savings a/c - Regular/ NRE /NRO/ Senior citizen/ Easy deposit scheme/ CUBS/ Janhit
(Small Account)/ Elite/ Elite Silver/ Elite Gold/
Campus/ Akshay salary/ Suvidha /
PMJDY Savings Account
Rs 250/- + GST
B
Regular/ Elite/ Platinum/ Premium /Society Value/ Society Prime Current a/c/ Overdraft a/c
Rs 500/- + GST
38
RTGS Inward
Free
39
RTGS Outward at the branch
A
Savings a/c - Regular / NRE / NRO / Senior citizen / Easy deposit scheme / CUBS / Janhit (Small Account) / Elite / Campus / Akshay salary / Suvidha / Elite Silver / Elite Gold
Free
B
Current a/c - Regular / Elite Current /
Premium Current / Platinum Current / Society
Value/ Society Prime Current Overdraft a/c
(i) Rs. 2 Lakh to Rs. 5 Lakh - Rs. 25/- + GST (per transaction)
(ii) Above Rs. 5 Lakh - Rs. 50/- + GST (per transaction)
40
RTGS Outward through Internet Banking
A
Savings a/c - Regular / NRE / NRO / Senior citizen / Easy deposit scheme / CUBS / Janhit (Small Account) / Elite / Campus / Akshay salary / Suvidha
No charges
B
Savings a/c - Elite Silver / Elite Gold / *SocietyValue/ *Society-Plus/ *Society -Prime/
No charges
C
Regular / Elite Current a/c / Overdraft a/c
No charges
D
Premium Current/ Platinum Current / RERA (Premium /Platinum )Society Value/ Society Prime Current
No charges
41
NEFT Inward
Free
42
NEFT Outward at the branch
A
Savings a/c - Regular / NRE / NRO / Senior citizen / Easy deposit scheme / CUBS / Janhit (Small Account) / Elite / Campus / Akshay salary / Suvidha / Elite Silver / Elite Gold
Free
B
Current a/c - Regular / Elite Current / Premium
Current / Platinum Current / Society Value/
Society Prime Current / Overdraft a/c
(i) Upto Rs. 1 Lakh - Rs. 5/- + GST (per transaction)
(ii)
Above Rs. 1 Lakh to Rs. 2 Lakh - Rs. 15/- + GST (per transaction)
(iii)
Above Rs. 2 Lakh - Rs. 25/- + GST (per transaction)
43
NEFT Outward through Internet Banking
A
Savings a/c - Regular / NRE / NRO / Senior citizen / Easy deposit scheme / CUBS / Janhit (Small Account) / Elite / Campus / Akshay salary / Suvidha
No charges
B
Savings a/c - Elite Silver / Elite Gold *SocietyValue/ *Society-Plus/ *Society -Prime/
No charges
C
Regular / Elite Current a/c / Overdraft a/c
No charges
D
Premium Current/ Platinum Current /RERA (Premium /Platinum ) Society Value/ Society Prime Current
No charges
44
Collection Of Outward / Inward cheque/Outstation Cheque
A
Upto Rs 5000
Rs 25/-
B
Above Rs 5000 & upto Rs 10000
Rs 50/-
C
Above Rs 10000 & upto Rs 100000
Rs 100/-
D
Above Rs 100000
Rs 150/-
45
Collection Of outward / Inward bill
A
Upto Rs 1000
Rs 30/-
B
Above Rs 1000 & upto Rs 5000
Rs 50/-
C
Above Rs 5000 & upto Rs 10000
Rs 70/-
D
Above Rs 10000 & upto Rs 100000
Minimum Rs 60/-, otherwise Rs 6/- per 000 whichever is higher
E
Above Rs 100000 & upto Rs 1000000
Minimum Rs 500/-, otherwise Rs 5/- per 000 whichever is higher
F
Above Rs 1000000
Minimum Rs 3000/-, otherwise Rs 4/- per 000 whichever is higher subject to Maximum Rs 15000/-
46
Return Dishonour Of bill/ Cheque
A
Savings a/c - Regular/ NRE /NRO/ Senior citizen/ Easy deposit scheme/ CUBS/ Janhit
(Small Account)/ Elite/ Elite Silver/ Elite Gold/
Campus/ Akshay salary/ Suvidha
(i) Inward Clearing = Rs 250/- + GST
(ii) Outward Clearing = Rs 125/- + GST
B
Regular/ Elite/ Premium / Platinum/ Society Value/ Society Prime Current a/c/ Overdraft a/c
*Society-Value Savings/ *Society-Plus Saving/ *Society -Prime
(i)
Inward Clearing = Rs 500/- + GST
(ii) Outward Clearing = Rs 250/- + GST
47
SMS alert charges
Charges @ Rs. 0.155 (excl GST) per SMS, maximum Rs. 100 + GST per quarter for all accounts (SB, CA, OD)
Charges to be levied subject to the calculated charge amount being more than Rs.1 /-
Accounts opened under PMJDY (SBPMJ scheme) will be exempted for SMS charges.
48
Internet Banking
Free
49
Custody charges of securities/ documents/ title deeds mortgaged with Bank not
collected within 30 days from closure of advance
For Gold - Rs 500/- per month or part thereof For Other Security Documents -Rs.500/- per month Or Minimum Rs.1000/-
50
Commitment charges for Overdraft a/c other than secured against Tangible securities enjoying limit above Rs. 50 lakh
1.00% p.a. on unutilized
portion of Cash Credit /
overdraft, will be levied
excluding GST, where the
average quarterly utilization is
below 70% of sanctioned limits
51
Fore-closure/ prepayment charges for Loans extended on floating interest rate to individuals
No charges
52
Printing & postage charges for notices sent to Dormant/Inoperative savings & current account holders
Printing & postage charges at actual
53
Nach Mandate
Rs.100/- + GST
*Society-Value Savings/ *Society-Plus Saving/ *Society -Prime Savings - New Account opening under these variants is discontinued. Charges mentioned will be applicable for the existing accounts in this variants
Debit Card Service Charges
CHARGES HEAD
CHARGES FOR PLATINUM RUPAY DEBIT CARD
Annual Fee
Rs. 200/- p.a. plus GST w.e.f. 01.09.2022
(1st year free)
Additional Card
Rs. 250/- per card plus GST.
w.e.f. 01.09.2022
Replacement of A Damaged Debit Card
Rs. 250/- per card plus GST. w.e.f. 01.09.2022
Replacement of A Lost Debit Card
Rs 250/- per card plus GST.
w.e.f. 01.09.2022
SARASWAT BANK ATMs Cash Withdrawal / Balance Enquiry
W.e.f. 1st April, 2022, Rs 10+GST
per transaction will be charged to Saraswat Bank card holders beyond the 5 financial transactions done every month at Saraswat Bank ATMs.
No charges will be levied for non-financial transactions done at Saraswat Bank ATMs.
ATM Cash Withdrawal (Outside India)
Rs 120/- per transaction.
ATM Balance Enquiry (Outside India)
Rs 15/- per enquiry.
ATM transaction declined charges: Only for insufficient funds (when used at other bank’s ATMs)
Rs. 10/- per transaction
Daily Card Limit (Cash Withdrawal + POS + Online)
Rs 1,00,000/-
ATM Cash Withdrawal Limit Per Day
Rs 50,000/-
Purchase Transaction Limit Per Day
(POS & Online)
Rs 1,00,000/- (provided there is no ATM transaction during that particular day)
Service Charges for International Transactions
2.50% of the transaction amount.
Cash at POS transactions
Upto 1% of the transaction amount plus GST
Other banks ATM for Savings A/c
a)
Cash Withdrawal/ Balance Enquiry/ Cash at POS
First Three transactions (Financial and Non-Financial) * are free per calendar month in the six metro centers and adjoining areas viz. Mumbai, Navi Mumbai, Thane, New Delhi, Gurgaon, Noida, Ghaziabad, Faridabad, Chennai, Kolkata, Howrah, North and South 24 Parganas, Bengaluru and Hyderabad. Existing free limit of First Five transactions (Financial and Non-Financial) * per calendar month will be applicable to all Savings Account customer transacting in Non-Metros and also to Janhit and Suvidha Account customers. Financial transaction will be charged at
Rs. 21/- plus GST w.e.f. 1st February, 2022
.
Non-Financial transaction will be charged at Rs 10/- plus GST.
Other banks ATM for Current A/c holders
a)
Cash Withdrawal/ Balance Enquiry/ Cash at POS
All transactions are chargeable. Financial transaction will be charged at
Rs. 21/- plus GST w.e.f. 1st February, 2022.
Non-Financial transaction will be charged at Rs 10/- plus service tax and education cess.
CHARGES HEAD
CHARGES FOR CLASSIC EMV RUPAY CHIP DEBIT CARD
Annual Fee
Rs 200/- p.a. plus GST
w.e.f. 01.09.2022
(1st year free)
Additional Card
Rs 250/- per card plus GST
w.e.f. 01.09.2022
Replacement of A Damaged Debit Card
Rs. 250/- per card plus GST. w.e.f. 01.09.2022
Replacement of A Lost Debit Card
Rs 250/- per card plus GST
w.e.f. 01.09.2022
SARASWAT BANK ATMs Cash Withdrawal / Balance Enquiry
W.e.f. 1st April, 2022, Rs 10+GST
per transaction will be charged to Saraswat Bank card holders beyond the 5 financial transactions done
every month at Saraswat Bank ATMs
.
No charges will be levied for non-financial transactions done at Saraswat Bank ATMs.
ATM Cash Withdrawal (Outside India)
Rs 120/- per transaction.
ATM Balance Enquiry (Outside India)
Rs 15/- per enquiry.
ATM transaction declined charges: Only for insufficient funds (when used at other bank’s ATMs)
Rs. 10/- per transaction
Daily Card Limit (Cash Withdrawal + POS + Online)
Rs 50,000/-
ATM Cash Withdrawal Limit Per Day
Rs 25,000/-
Purchase Transaction Limit Per Day
(POS & Online)
Rs 50,000/- (provided there is no ATM transaction during that particular day)
Service Charges for International Transactions
2.50% of the transaction amount.
Cash at POS transactions
Upto 1% of the transaction amount plus GST
Other banks ATM for Savings A/c
a)
Cash Withdrawal/ Balance Enquiry/ Cash at POS
First Three transactions (Financial and Non-Financial) * are free per calendar month in the six metro centers and adjoining areas viz. Mumbai, Navi Mumbai, Thane, New Delhi, Gurgaon, Noida, Ghaziabad, Faridabad, Chennai, Kolkata, Howrah, North and South 24 Parganas, Bengaluru and Hyderabad. Existing free limit of First Five transactions (Financial and Non-Financial) * per calendar month will be applicable to all Savings Account customer transacting in Non-Metros and also to Janhit and Suvidha Account customers. Financial transaction will be charged at
Rs. 21/- plus GST w.e.f. 1st February, 2022
.
Non-Financial transaction will be charged at Rs 10/- plus GST.
Other banks ATM for Current A/c holders
a)
Cash Withdrawal/ Balance Enquiry/ Cash at POS
All transactions are chargeable. Financial transaction will be charged at
Rs. 21/- plus GST w.e.f. 1st February, 2022
.
Non-Financial transaction will be charged at Rs 10/- plus service tax and education cess.
CHARGES HEAD
CHARGES FOR PLATINUM VISA DEBIT CARD
Annual Fee
Rs. 250/- p.a. plus GST
w.e.f. 01.09.2022
(1st year free)
Additional Card
Rs. 250/- per card plus GST
w.e.f. 01.09.2022
Replacement of A Damaged Debit Card
Rs. 250/- per card plus GST. w.e.f. 01.09.2022
Replacement of A Lost Debit Card
Rs 250/- per card plus GST
w.e.f. 01.09.2022
SARASWAT BANK ATMs Cash Withdrawal / Balance Enquiry
W.e.f. 1st April, 2022, Rs 10+GST
per transaction will be charged to Saraswat Bank card holders beyond the 5 financial transactions done every month at Saraswat Bank ATMs.
No charges will be levied for non-financial transactions done at Saraswat Bank ATMs.
ATM Cash Withdrawal (Outside India)
Rs 120/- per transaction.
ATM Balance Enquiry (Outside India)
Rs 15/- per enquiry.
ATM transaction declined charges: Only for insufficient funds (when used at other bank’s ATMs)
Rs. 10/- per transaction
Daily Card Limit (Cash Withdrawal + POS + Online)
Rs 1,00,000/-
ATM Cash Withdrawal Limit Per Day
Rs 50,000/-
Purchase Transaction Limit Per Day
(POS & Online)
Rs 1,00,000/- (provided there is no ATM transaction during that particular day)
Visa Safe-Click Payment Limit (online / ecom)
Rs. 2000/- per transaction at eligible merchant application
Service Charges for International Transactions
2.50% of the transaction amount.
Cash at POS transactions
Upto 1% of the transaction amount plus GST
Other banks ATM for Savings A/c
a)
Cash Withdrawal/ Balance Enquiry/ Cash at POS
First Three transactions (Financial and Non-Financial) * are free per calendar month in the six metro centers and adjoining areas viz. Mumbai, Navi Mumbai, Thane, New Delhi, Gurgaon, Noida, Ghaziabad, Faridabad, Chennai, Kolkata, Howrah, North and South 24 Parganas, Bengaluru and Hyderabad. Existing free limit of First Five transactions (Financial and Non-Financial) * per calendar month will be applicable to all Savings Account customer transacting in Non-Metros and also to Janhit and Suvidha Account customers. Financial transaction will be charged at
Rs. 21/- plus GST w.e.f. 1st February, 2022
.
Non-Financial transaction will be charged at Rs 10/- plus GST.
Other banks ATM for Current A/c holders
a)
Cash Withdrawal/ Balance Enquiry/ Cash at POS
All transactions are chargeable. Financial transaction will be charged at
Rs. 21/- plus GST w.e.f. 1st February, 2022
.
Non-Financial transaction will be charged at Rs 10/- plus service tax and education cess.
CHARGES HEAD
CHARGES FOR
INTERNATIONAL VISA CLASSIC DEBIT CARD
Annual Fee
Rs. 200/- p.a. plus GST
w.e.f. 01.09.2022
(1st year free)
Additional Card
Rs. 250/- per card plus GST
w.e.f. 01.09.2022
Replacement of A Damaged Debit Card
Rs. 250/- per card plus GST. w.e.f. 01.09.2022
Replacement of A Lost Debit Card
Rs 250/- per card plus GST
w.e.f. 01.09.2022
SARASWAT BANK ATMs Cash Withdrawal / Balance Enquiry
W.e.f. 1st April, 2022, Rs 10+GST
per transaction will be charged to Saraswat Bank card holders beyond the 5 financial transactions done every month at Saraswat Bank ATMs.
No charges will be levied for non-financial transactions done at Saraswat Bank ATMs.
ATM Cash Withdrawal (Outside India)
Rs 120/- per transaction.
ATM Balance Enquiry (Outside India)
Rs 15/- per enquiry.
ATM transaction declined charges: Only for insufficient funds (when used at other bank’s ATMs)
Rs. 10/- per transaction
Daily Card Limit (Cash Withdrawal + POS + Online)
Rs 50,000/-
ATM Cash Withdrawal Limit Per Day
Rs 25,000/-
Purchase Transaction Limit Per Day
(POS & Online)
Rs 50,000/- (provided there is no ATM transaction during that particular day)
Service Charges for International Transactions
2.50% of the transaction amount.
Cash at POS transactions
Upto 1% of the transaction amount plus GST
Other banks ATM for Savings A/c
a)
Cash Withdrawal/ Balance Enquiry/ Cash at POS
First Three transactions (Financial and Non-Financial) * are free per calendar month in the six metro centers and adjoining areas viz. Mumbai, Navi Mumbai, Thane, New Delhi, Gurgaon, Noida, Ghaziabad, Faridabad, Chennai, Kolkata, Howrah, North and South 24 Parganas, Bengaluru and Hyderabad. Existing free limit of First Five transactions (Financial and Non-Financial) * per calendar month will be applicable to all Savings Account customer transacting in Non-Metros and also to Janhit and Suvidha Account customers. Financial transaction will be charged at
Rs. 21/- plus GST w.e.f. 1st February, 2022.
Non-Financial transaction will be charged at Rs 10/- plus GST.
Other banks ATM for Current A/c holders
a)
Cash Withdrawal/ Balance Enquiry/ Cash at POS
All transactions are chargeable. Financial transaction will be charged at
Rs. 21/- plus GST w.e.f. 1st February, 2022
.
Non-Financial transaction will be charged at Rs 10/- plus service tax and education cess.
CHARGES HEAD
CHARGES FOR CONTACTLESS PLATINUM VISA DEBIT CARD
Annual Fee
Rs. 250/- p.a. plus GST w.e.f. 01.09.2022
(1st year free)
Additional Card
Rs. 250/- per card plus GST w.e.f. 01.09.2022
Replacement of A Damaged Debit Card
Rs. 250/- per card plus GST. w.e.f. 01.09.2022
Replacement of A Lost Debit Card
Rs 250/- per card plus GST w.e.f. 01.09.2022
SARASWAT BANK ATMs Cash Withdrawal / Balance Enquiry
W.e.f. 1st April, 2022, Rs 10+GST
per transaction will be charged to Saraswat Bank card holders beyond the 5 financial transactions done every month at Saraswat Bank ATMs.
No charges will be levied for non-financial transactions done at Saraswat Bank ATMs.
ATM Cash Withdrawal (Outside India)
Rs 120/- per transaction.
ATM Balance Enquiry (Outside India)
Rs 15/- per enquiry.
ATM transaction declined charges: Only for insufficient funds (when used at other bank’s ATMs)
Rs. 10/- per transaction
Daily Card Limit (Cash Withdrawal + POS + Online)
Rs 1,00,000/-
ATM Cash Withdrawal Limit Per Day
Rs 50,000/-
Contactless per transaction limit
Rs 5,000/-
Purchase Transaction Limit Per Day
(POS & Online)
Rs 1,00,000/- (provided there is no ATM transaction during that particular day)
Visa Safe-Click Payment Limit (online / ecom)
Rs. 2000/- per transaction at eligible merchant application
Service Charges for International Transactions
2.50% of the transaction amount.
Cash at POS transactions
Upto 1% of the transaction amount plus GST
Other banks ATM for Savings A/c
a)
Cash Withdrawal/ Balance Enquiry/ Cash at POS
First Three transactions (Financial and Non-Financial) * are free per calendar month in the six metro centers and adjoining areas viz. Mumbai, Navi Mumbai, Thane, New Delhi, Gurgaon, Noida, Ghaziabad, Faridabad, Chennai, Kolkata, Howrah, North and South 24 Parganas, Bengaluru and Hyderabad. Existing free limit of First Five transactions (Financial and Non-Financial) * per calendar month will be applicable to all Savings Account customer transacting in Non-Metros and also to Janhit and Suvidha Account customers. Financial transaction will be charged at
Rs. 21/- plus GST w.e.f. 1st February, 2022
.
Non-Financial transaction will be charged at Rs 10/- plus GST.
Other banks ATM for Current A/c holders
a)
Cash Withdrawal/ Balance Enquiry/ Cash at POS
All transactions are chargeable. Financial transaction will be charged at
Rs. 21/- plus GST w.e.f. 1st February, 2022
.
Non-Financial transaction will be charged at Rs 10/- plus service tax and education cess.
Service Charges for Demat Account
Tariff Structure for Demat accounts for NSDL/CDSL
Sr No.
Tariff Head
Regular Account
Basic Services Demat Account (BSDA)
1
Account Opening :
Nil
Nil
2
Dematerialisation :
₹
3/- per certificate with a minimum of
₹
25/
plus
₹
25/- courier charges.
₹
3/- per certificate with a minimum of
₹
.25/
plus
₹
. 25/- courier charges.
₹ 30/- per requests as courier charges for mutual fund request.
₹ 30/- per requests as courier charges for mutual fund request.
3
Rematerialisation :
a)
₹
25/-per certificate plus
₹
25/- courier charges
a)
₹
25/-per certificate plus
₹
25/- courier charges
b)
₹
25/- for every 100 securities or part thereof plus
₹
25/- courier charges
b)
₹
. 25/- for every 100 securities or part thereof plus
₹
25/- courier charges
The charges will be applicable as per clause ‘a’ or ‘b’ whichever is higher.
The charges will be applicable as per clause ‘a’ or ‘b’ whichever is higher.
4
Reconversion of Mutual Fund units into Statement of Account (SOA)
₹
25 per instruction.
₹
25 per instruction.
5
Redemption of Mutual Fund units through Saraswat Bank
0.04% of the market value of transaction with a minimum of
₹
21/- per transaction.
0.04% of the market value of transaction with a minimum of
₹
21/- per transaction.
6
Transaction Charges :
a) Sale
0.04% of the market value of transaction with a minimum of
₹
21/- per transaction
0.04% of the market value of transaction with a minimum of
₹