Service Charges

For revised ATM charges refer Debit Card Service Charges

Service Charges

Notice for miscellaneous service charges

Notice for revision in locker rental charges w.e.f 1st October 2018

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	Charges Amount (Rs)
1	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	Minimum Rs. 100 per quarter, otherwise Rs. 50 per folio of 40 entries or part thereof whichever is higher
C	Platinum Current a/c	No charges
D	Premium Current a/c	Minimum Rs. 50 per quarter, otherwise Rs 25 perfolio of 40 entries or part thereof whichever is higher
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 50/- per passbook
B	Regular/ Elite/ Platinum/ Premium Current a/c/ Overdraft a/c	Not applicable
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 50/- per page or part thereof
B	Regular/ Elite/ Platinum/ Premium Current a/c/ Overdraft a/c	Rs 75/- per page or part thereof
4	Cheque leaf charges (Per leaf)
A	Savings a/c - Regular/NRE/NRO/Senior citizen/Easy deposit scheme/ Campus/ Akshay salary/ Suvidha	20 cheque leaves free every financial year, thereafter Rs 4/- per cheque leaf
B	Elite Savings a/c	40 cheque leaves free every financial year, thereafter Rs 4/- per cheque leaf
C	Elite Silver Savings a/c	100 cheque leaves free every financial year, thereafter Rs 4/- per cheque leaf
D	Elite Gold Savings a/c	Free unlimited
E	Cubs Savings a/c	Not Applicable
F	Janhit (Small Account) Savings a/c	Not Applicable
G	Regular Current a/c	50 cheque leaves free p.a. , thereafter Rs 4/- per cheque leaf.
H	Elite Current a/c	200 cheque leaves free p.a. , thereafter Rs 4/- per cheque leaf.
I	Platinum Current a/c	250 cheque leaves free p.a. , thereafter Rs 4/- per cheque leaf.
J	Premium Current a/c	300 cheque leaves free p.a. , thereafter Rs 4/- per cheque leaf.
5	Issue of loose cheque leaf	(i) Urban/ Metro branches = Rs 5/- per cheque leaf (ii) Semi-Urban branches = Rs 2.50/- per cheque leaf (iii) Rural branches = Rs 2.50/- per cheque leaf
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/ Platinum/ Premium Current a/c/ Overdraft a/c	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 a/c - a). For Individuals - Including minor /NRE/NRO b) For Non individuals - Trust, Foundation, Society, 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 a/c	(i) Urban/ Metro branches = Rs 5000/- (ii) Semi-Urban branches = Rs 5000/- (iii) Rural branches = Rs 5000/-
C	Elite Silver Savings a/c	(i) Urban/ Metro branches = Rs 25000/- (ii) Semi-Urban branches = Rs 25000/- (iii) Rural branches = Rs 25000/-
D	Elite Gold Savings a/c	(i) Urban/ Metro branches = Rs 100000/- (ii) Semi-Urban branches = Rs 100000/- (iii) Rural branches = Rs 100000/-
E	Cubs Savings a/c	(i) Urban/ Metro branches = Rs 100/- (ii) Semi-Urban branches = Rs 100/- (iii) Rural branches = Rs 100/-
F	Janhit (Small Account) Savings a/c	(i) Urban/ Metro branches = Rs 100/- (ii) Semi-Urban branches = Rs 100/- (iii) Rural branches = Rs 100/-
G	Easy deposit/ Campus/ Akshay salary/ Suvidha Savings a/c/ PMJDY Savings Account	(i) Urban/ Metro branches = Nil (ii) Semi-Urban branches = Nil (iii) Rural branches = Nil
H	Regular Current a/c	(i) Urban/ Metro branches = Rs 5000/- (ii) Semi-Urban branches = Rs 2500/- (iii) Rural branches = Rs 1500/-
I	Elite Current a/c	(i) Urban/ Metro branches = Rs 10000/- (ii) Semi-Urban branches = Rs 10000/- (iii) Rural branches = Rs 10000/-
J	Platinum Current a/c	(i) Urban/ Metro branches = Rs 300000/- (ii) Semi-Urban branches = Rs 200000/- (iii) Rural branches = Rs 200000/-
K	Premium Current a/c	(i) Urban/ Metro branches = Rs 50000/- (ii) Semi-Urban branches = Rs 50000/- (iii) Rural branches = Rs 50000/-
8	Charges for non maintenance of Average quarterly balance (AQB) w.e.f 07.01.2019
A	Existing Regular Savings Account, New Accounts for Senior citizens, Bachat Gat-SHG, Pension Account.
	Urban/ Metro branches	Rs 150/- per quarter
	Semi-Urban branches	Rs 100/- per quarter
	Rural branches	Rs 50/- per quarter
	a) For Individuals including Minor/NRE/NRO b) Non-individuals - Trust, Foundation, Society, HUF, etc.
	Urban/ Metro branches	Rs 150/- per quarter
	Semi-Urban branches	Rs 100/- per quarter
	Rural branches	Rs 50/- per quarter
B	Elite Savings Account
	For all branches	Rs 250/-per quarter
C	Elite Silver Savings Account
	For all branches	Rs 750/- per quarter
D	Elite Gold Savings Account
	For all branches	Rs 1000/- per quarter
E	Cubs Account
	For all branches	Rs 5/- per quarter
F	My Money Account
	Urban/ Metro branches	Rs 150/- per quarter
	Semi-Urban branches	Rs 100/- per quarter
	Rural branches	Rs 50/- per quarter
G	Janhit Account
	For all branches	Rs 5/- per quarter
H	Campus/ Akshay salary/ Suvidha Savings a/c/ PMJDY Savings Account/Easy Deposit	Not applicable
I	Regular Current Account
	Urban/ Metro branches	Rs 1000/- per quarter
	Semi-Urban branches	Rs 600/- per quarter
	Rural branches	Rs 500/- per quarter
J	Elite Current Account
	For all branches	Rs 1000/- per quarter
K	Premium Current a/c
	For all branches	Rs 1200/- per quarter
L	Platinum Current Account
	For 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 average 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	Regular/ Elite/ Platinum/ Premium 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	Regular/ Elite/ Platinum/ Premium Current a/c/ Overdraft a/c	Rs 200/- per instance
11	Charges for setting Standing instruction for payment of loan/ RD instalment for account maintained across the Bank	No charges
12	Charges for setting Standing instruction where both debit/ credit a/c pertains to the same branch	No charges
13	Charges for setting Standing instruction where credit a/c (other than loan/RD) pertains to other 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	Rs 15/- per instruction
B	Regular/ Elite/ Premium Current a/c/ Overdraft a/c	Rs 15/- per instruction
C	Platinum Current a/c	No charges
14	Charges for Standing instruction transaction involving credit to another 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	Rs 10/- per transaction
B	Regular/ Elite/ Premium Current a/c/ Overdraft a/c	Rs 10/- per transaction
C	Platinum Current a/c	No charges
15	Confirmation of signature	Rs 50/- per request
16	Photo attestation	Rs 50/- per request
17	Address confirmation	Rs 50/- per request
18	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 1000/- for 1^st copy & Rs 100/- per copy of the rest original copies
B	Regular / Elite Current a/c/ Overdraft a/c	Rs 1000/- for 1^st copy & Rs 100/- per copy of the rest original copies
C	Platinum Current a/c	No charges
D	Premium Current a/c	Rs 500/- for 1^st copy & Rs 50/- per copy of the rest original copies
E	Non – Account holders	Rs 3000/- for 1^st copy & Rs 150/- per copy of the rest original copies
19	Solvency certificate for Other 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	Minimum Rs 750/-, otherwise Rs 250/- per lac or part thereof subject to maximum of Rs 100000/-
B	Regular / Elite Current a/c/ Overdraft a/c	Minimum Rs 750/-, otherwise Rs 250/- per lac or part thereof subject to maximum of Rs 100000/-
C	Platinum Current a/c	No charges
D	Premium Current a/c	Minimum Rs 250/-, otherwise Rs 125/- per lac or part thereof subject to maximum of Rs 100000/-
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	First certificate free. Duplicate or additional copies Rs 25/- per copy
B	Regular / Elite Current a/c/ Overdraft a/c	First certificate free. Duplicate or additional copies Rs 25/- per copy
C	Platinum Current a/c	No charges
D	Premium Current a/c	First certificate free. Duplicate or additional copies Rs 12.50/- per copy
21	Issue of certificate viz. No Dues, NOC, Interest certificate, Cheque honoured, Account Maintaining etc	First certificate free. Duplicate or additional copies Rs 25/- per copy
22	Enquiry Of Old Transactions
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 = Free (ii) Beyond 1 year to 3 year = Rs 100/- per request (iii) Beyond 3 years = Rs 100/- per request or Rs 100/- per page (max 40 entries per page) whichever is higher
B	Regular/ Elite/ Platinum/ Premium Current a/c/ Overdraft a/c	(i) Upto 1 year = Free (ii) Beyond 1 year to 3 year = Rs 150/- per request (iii) Beyond 3 years = Rs 150/- per request or Rs 150/- per page (max 40 entries per page) whichever is higher
23	Transfer Of Account/ 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/ Campus/ Akshay salary/ Suvidha	Rs 5/- per cheque leaf
B	Janhit (Small Account) Savings a/c/ PMJDY Savings Account	Not applicable
C	Regular/ Elite/ Platinum/ Premium 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/ Suvidha	(i) Within 6 Months = Rs 200/- (ii) Within 1 year = Rs 150/-
B	Elite Savings a/c	(i) Within 6 Months = Rs 250/- (ii) Within 1 year = Rs 150/-
C	Elite Silver Savings a/c	Within 1 year = Rs 500/-
D	Elite Gold Savings a/c	Within 1 year = Rs 750/-
E	Janhit (Small Account) Savings a/c	Within 6 Months = Rs 10/-
F	Regular Current a/c	(i) Within 6 Months = Rs 500/- (ii) Within 1 year = Rs 250/-
G	Elite Current a/c	(i) Within 6 Months = Rs 300/- (ii) Within 1 year = Rs 200/-
H	Platinum Current a/c	(i) Within 6 Months = Rs 2000/- (ii) Within 1 year = Rs 1000/-
I	Premium Current a/c	(i) Within 6 Months = Rs 1000/- (ii) Within 1 year = Rs 500/-
26	Addition / Deletion Of Names
A	In joint accounts / Nomination changes in operational instruction	Rs 25/-per request
B	In case of death case	No charges
27	Allowing operation through power of attorney/ Mandate	Rs 50/-per request
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^thtransaction
B	Janhit (Small Account) / Suvidha Savings a/c / PMJDY Savings Account	Not applicable
C	Regular/ Elite/ Platinum/ Premium Current 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/ Campus/ Akshay salary/ Suvidha / PMJDY Savings Account	Deposit/ Withdrawal = No limit
B	Regular/ Elite/ Platinum/ Premium Current a/c/ Overdraft a/c	Deposit/ Withdrawal = No limit
30	Cash handling charges at 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	Deposit/ Withdrawal = No charges
B	Suvidha Savings a/c / PMJDY Savings Account	Deposit = No charges Withdrawal = First 4 transactions free in a month thereafter Rs. 10/- each for subsequent transaction.
C	Regular Current/ Elite Current/ Overdraft 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
D	Regular Current/ Elite Current/ Overdraft a/c – Deposit charges per day per branch	Regular Current/Overdraft a/c – Free pieces per day per branch (home and non-home branch) - 200 Thereafter Rs. 5/- per 100 pieces or part thereof. Per day Rs. 10/- per packet of 100 coins or part thereof Elite -– Free pieces per day per branch (home and non-home branch) - 300 Thereafter Rs. 5/- per 100 pieces or part thereof. Per day Rs. 10/- per packet of 100 coins or part thereof
E	Platinum/ Premium Current a/c- Deposit charges per day per branch	Premium - Free pieces per day per branch (home and non-home branch) - 500 Thereafter Rs. 5/- per 100 pieces or part thereof. Per day Rs. 10/- per packet of 100 coins or part thereof Platinum– Free pieces per day per branch (home and non-home branch) - 1500 Thereafter Rs. 5/- per 100 pieces or part thereof. Per day Rs. 10/- per packet of 100 coins or part thereof
F	Premium 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
G	Platinum Current a/c - Withdrawal charges per day per branch	Free
H	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: 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. 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. For coins there is no free pieces limit.
31	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	Regular/ Elite/ Platinum/ Premium Current a/c/ Overdraft a/c	(i) Deposit = No limit (ii) Withdrawal = Rs 50000/- per day
32	Cash handling charges 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	Deposit/ Withdrawal = No charges
B	Suvidha Savings a/c / PMJDY Savings Account	Deposit = No charges Withdrawal = First 4 transactions free in a month thereafter Rs. 10/- each for subsequent transaction.
C	Regular Current/ Elite Current/ Overdraft a/c – Withdrawal charges per day per branch	If total Cash Withdrawal for that particular branch for that particular day exceeds Rs 100000/- = Rs 10/- per 10000 or part thereof on the full amount
D	Regular Current/ Elite Current/ Overdraft a/c – Deposit charges per day per branch	Regular Current/Overdraft a/c – Free pieces per day per branch (home and non-home branch) - 200 Thereafter Rs. 5/- per 100 pieces or part thereof. Per day Rs. 10/- per packet of 100 coins or part thereof Elite -– Free pieces per day per branch (home and non-home branch) - 300 Thereafter Rs. 5/- per 100 pieces or part thereof. Per day Rs. 10/- per packet of 100 coins or part thereof
E	Platinum Current a/c- Deposit charges per day per branch	Platinum– Free pieces per day per branch (home and non-home branch) - 1500 Thereafter Rs. 5/- per 100 pieces or part thereof. Per day Rs. 10/- per packet of 100 coins or part thereof
F	Premium 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
G	Premium Current a/c – Deposit charges per day per branch	Premium - Free pieces per day per branch (home and non-home branch) - 500 Thereafter Rs. 5/- per 100 pieces or part thereof. Per day Rs. 10/- per packet of 100 coins or part thereof
H	Platinum Current a/c - Withdrawal charges per day per branch	Free
I	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: 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. 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. For coins there is no free pieces limit.
33	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/-
34	Issue Of Payorder/ DD
A	Elite/ Elite Silver/ Elite Gold Savings a/c	Free Unlimited
B	Savings a/c - Regular/NRE/NRO/Senior citizen/ Easy deposit scheme/ Cubs/ Janhit (Small Account) / Campus/ Akshay salary/ Suvidha / PMJDY Savings Account
(i)	Upto Rs 1000	Rs 30/- + 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 3/- per 000 +GST
(iv)	Above 10 lakh	Maximum Rs 15000/- +GST
C	Regular Current/ Overdaft a/c
(i)	Upto Rs 1000	Rs 30/- + 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 3/- per 000 +GST
(iv)	Above 10 lakh	Maximum Rs 15000/- +GST
D	Elite Current a/c (5 Payorder/ DD free per calendar month with maximum limit of Rs 25000/- per Payorder/ DD thereafter as below)
(i)	Upto Rs 1000	Rs 30/- + 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 3/- per 000 +GST
(iv)	Above 10 lakh	Maximum Rs 15000/- +GST
E	Platinum/ Premium Current a/c	Free Unlimited
35	Revalidation of Payorder/ DD	Rs 50/- per instrument
36	Cancellation of Payorder/ DD	Rs 50/- per instrument
37	Issue of duplicate Payorder/ DD	Rs 50/- per instrument
38	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 150/- + GST
B	Regular/ Elite/ Platinum/ Premium Current a/c/ Overdraft a/c	Rs 300/- + GST
39	RTGS Inward	Free
40	RTGS Outward at the branch	Free
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 / Platinum Current / Premium Current / Overdraft a/c	Rs. 2 Lakh to Rs. 5 Lakh - Rs. 25/- + GST (per transaction) Above Rs. 5 Lakh - Rs. 50/- + GST (per transaction)
41	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	No charges
C	Regular / Elite Current a/c / Overdraft a/c	No charges
D	Platinum Current / Premium Current	No charges
42	NEFT Inward	Free
43	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 / Platinum Current / Premium Current / Overdraft a/c	Upto Rs. 1 Lakh - Rs. 5/- + GST (per transaction) Above Rs. 1 Lakh to Rs. 2 Lakh - Rs. 15/- + GST (per transaction) Above Rs. 2 Lakh - Rs. 25/- + GST (per transaction)
44	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	No charges
C	Regular / Elite Current a/c / Overdraft a/c	No charges
D	Platinum Current / Premium Current	No charges
45	Collection Of outward / Inward 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/-
46	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/-
47	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 150/- + GST (ii) Outward Clearing = Rs125/- + GST
B	Regular/ Elite/ Platinum/ Premium Current a/c/ Overdraft a/c	(i) Inward Clearing = Rs 300/- + GST (ii) Outward Clearing = Rs 200/- + GST
48	SMS alert charges	Minimum - Rs. 1 per chargeable transaction Maximum - Rs. 15 irrespective of number of transactions
49	Internet Banking	Free
50	Custody charges of securities/ documents/ title deeds mortgaged with Bank not collected within 30 days from closure of advance	Rs 100/- per month or part thereof
51	Commitment charges for Overdraft a/c other than secured against Tangible securities enjoying limit above Rs. 50 lakh	0.25% per annum on the unutilized portion of Overdraft a/c where the utilization is below 80% of the sanctioned limit
52	Fore-closure/ prepayment penalty on floating interest rate home loans	No charges
53	Printing & postage charges for notices sent to Dormant/Inoperative savings & current account holders	Printing & postage charges at actual
54	SMS charges for sending SMS alerts as per RBI guidelines.	The SMS charges will be levied to customers quarterly on actual usage basis w.e.f. April 1, 2022. > Bank will charge the SMS cost for digital and non-digital transactions SMS as follows - 25 paise/SMS, maximum Rs. 15 + GST per quarter for Savings Account - 25 paise/SMS, maximum Rs. 25 + GST per quarter for CA/ OD Account >Accounts opened under PMJDY (SBPMJ scheme) will be exempted for SMS charges >Bank will send SMS to customers stating the number of SMS and amount of charges charged for the quarter.

Please Note :

Ledger Folio Charges will be applicable for Platinum and Premium Current Accounts as per the Regular Current Accounts if the required average quarterly balance is not maintained in previous quarter.
Cheque leaf Charges will be applicable for elite, silver, gold, premium and platinum accounts as that for the regular accounts if the required average quarterly balance are not maintained in previous quarter.
SMS alert charges:
a. SMS alert charges will be levied every quarter for customer induced transactions.
b. International Mobile SMS charges: SMS charges for International Mobile number would be charged at actual in addition to Rs. 15 plus GST.

Debit Card Service Charges

CHARGES HEAD	CHARGES FOR PLATINUM RUPAY DEBIT CARD
Annual Fee	Rs. 150/- p.a. plus GST (1st year free)
Additional Card	Rs. 150/- per card plus GST.
Replacement of A Damaged Debit Card	NO CHARGE
Replacement of A Lost Debit Card	Rs 150/- per card plus GST.
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 150/- p.a. plus GST (1st year free)
Additional Card	Rs 150/- per card plus GST.
Replacement of A Damaged Debit Card	NO CHARGE
Replacement of A Lost Debit Card	Rs 150/- per card plus GST.
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. 200/- p.a. plus GST (1st year free)
Additional Card	Rs. 200/- per card plus GST.
Replacement of A Damaged Debit Card	NO CHARGE
Replacement of A Lost Debit Card	Rs 200/- per card plus GST.
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. 150/- p.a. plus GST (1st year free)
Additional Card	Rs. 150/- per card plus GST.
Replacement of A Damaged Debit Card	NO CHARGE
Replacement of A Lost Debit Card	Rs 150/- per card plus GST.
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.

Service Charges for Demat Account

Service Charges for Demat Account (w.e.f. 01.07.2014)

Sr.	Tariff Head	Tariff Rate
1	Account Opening :	Nil
2	Dematerialisation :	Rs. 3/- per certificate with a minimum of Rs. 25/ plus Rs. 25/- courier charges. Rs. 30/- per request as courier charges for mutual fund request.
3	Rematerialisation :	a) Rs. 25/-per certificate plus Rs. 25/- courier charges b) Rs. 25/- for every 100 securities or part thereof plus Rs. 25/- courier charges The charges will be applicable as per clause ‘a’ or ‘b’ whichever is higher.
4	Recoversion of Mutual Fund units into Statement of Account (SOA)	Rs. 25 per instruction.
5	Redemption of Mutual units through Saraswat Bank	0.04% of the market value of transaction with a minimum of Rs. 21/- per transaction.
6	Transaction Charges :
	a) Sale	0.04% of the market value of transaction with a minimum of Rs. 21/- per transaction
	b) Purchase	Nil
7	Transaction Charges : Sale of Debt Securities	0.04% of the value of transaction with a minimum of Rs. 40/- per transaction and maximum of Rs. 1000/- per transaction.
8	Pledge :
	a) Pledge Creation	Rs. 50/- per ISIN
	b) Pledge Closure	Rs. 25/- per ISIN
	c) Pledge Invocation	Rs. 25/- per ISIN
9	Custody Fee :	Nil
10	Annual Maintenance Charges:
	NSDL
	a) Individuals & other categories	Rs. 400/- per annum
	b) Corporate accounts	Rs. 900/- per annum
	CDSL
	c) Individuals & other categories	Rs. 400/- per annum
	d) Corporate accounts	Rs. 900/- per annum
11	Speed–e on NSDL :
	a) AMC charges	Rs. 50/- per annum (In addition to Regular AMC)
	b) Sale transaction	Rs. 10/- per transaction
12	Easiest on CDSL :
	a) AMC charges	NIL
	b) Sale transaction	Rs. 10/- per transaction
13	KYC Registration Agency :
	a) Upload of KYC data	Rs. 50/- per holder
	b) Download of KYC Data	Rs. 50/- per holder

Conditions:

The above charges are exclusive of service Tax.
Annual Maintenance charges are levied up-front for a period of one year, in the month of opening of the Demat account. All other charges are payable monthly.
Market value of the transactions will be as per the rates provided by NSDL/CDSL.
All instructions for transfer must be received at the designated branches of the bank at least one day prior to the execution date.
Late charges would be collected for all instructions received after 4.00 p.m. for same day execution or execution date and pay in date being the same.
Same day execution instructions will be accepted on a best effort basis at the sole risk and responsibility of the client. The bank will not be held responsible for non-execution of same day instructions. The bank also reserves its right to charge an additional fee for processing same day execution instructions.
Any Demat account holder not maintaining Bank Account with us, will have to maintain a Term Deposit of Rs. 2500/- as a security deposit.
Amount of AMC charged upfront by the Bank will be refunded on pro-rata basis in case of account closure for the balance quarters w.e.f. 01.07.2010.
Transaction cum Billing statements will be sent once in a month, provided there is a transaction, else annually. Any extra statement will be charged minimum Rs. 15/- or more.
Customers maintaining savings account with us should maintain stipulated minimum balance. Please note that in case the bank is unable to recover the charges due to inadequate balances in the savings account or due to invalid/closed savings account, the depository services for such accounts will be temporarily suspended till the payment of such charges.
Account freezing/defreezing charges – Rs. 50/- per instance.

Download Tariff for Demat accounts

Forex Service Charges

FOREIGN EXCHANGE TRANSACTIONS – SERVICE CHARGES, EXCHANGE MARGINS AND INTEREST RATES W.E.F. April 1, 2019.

Sr. No.	Type of transactions	Commission / Charges	Recovery stage
LC ADVISING
1	Export / inland LC advising	Rs. 1500	Advising
2	Export / inland LC amendment advising	Rs. 1000	Advising
3	Transfer of LC	Rs. 1500	Advising
4	Advising of LC for non-customer	Rs. 2500	Recover before advising
EXPORTS
5	Export bills for collection and under LC	0.075 % with minimum of Rs.500 and maximum Rs. 20000 (max. Rs. 10000 for diamond units)	Booking of the bill
6	Overdue export bills beyond nine months from the date of shipment	Rs. 2500	To be recovered one time at the quarter end after completion of the nine months period from shipment or realization, whichever is earlier
7	SWIFT message charges	Rs. 650	Transmission
8	Postage	Rs.150	Dispatch
9	Courier (foreign)	Rs. 1600	Dispatch
10	Bank Realisation Certificate and export invoice attestation	Free

Sr. No.	Type of transactions	Commission / Charges	Recovery stage
11	Any other exports related certificate	Rs. 500	Issuance
12	Application for extension /set off / write off /GR waiver	Rs. 2500	Processing
13	Request for AD transfer in EDPMS	Rs. 100	At the time of placing request on EDPMS portal
14	Iran transactions in rupees	Applicable commission and other charges as above plus Rs. 2500	At the time of lodging claim with UCO Bank
15	Late submission of export documents	Rs. 250	At the time of submission of documents
16	Export bill crystallization	Rs. 1000	At the time of crystallization
17	Export bill realization by utilizing e-FIRC issued by other banks or export bill realization through proceeds received in rupee from other banks	0.125% of bill amount in lieu of exchange plus other applicable commission and charges	At the time of realization
18	Set off of export bills against import bills as per RBI guidelines	0.125% of bill amount in lieu of exchange on one leg of transaction which is higher plus other applicable commission and charges	At the time of set off
IMPORTS
19	LC opening: Commitment commission	1.2 % p.a. (Min Rs. 1500)	At the time of issuance, for actual days
20	LC opening: Tenor of Bill – commission	1.2 % p.a. for tenor and 0.10 % flat for sight LCs (Min Rs. 1500)	At the time of issuance, for actual days
21	Amendment to the LC ( enhancement in value / extension of bill tenor / validity / others)	Rs. 1000 plus as applicable to enhancement in value / extension LC validity / extension of bill tenor based on above	At the time of issuance, for actual days

22	LC by SWIFT	Rs. 1500	Issuance
23	Documents under import LC retirement	Rs. 1000 Discrepancy fee: USD 100 or its equivalent to be deducted from proceeds	Retirement of the bill
Sr. No.	Type of transactions	Commission / Charges	Recovery stage
24	Import bills for collection ( bank through)	0.15 % with minimum Rs. 500 and maximum Rs. 20000 (max Rs. 10000 for diamond units)	Booking of the bill
25	Import bills for collection ( direct)	0.15 % with minimum Rs. 500 and maximum Rs. 20000 (max. Rs. 10000 for diamond units)	Booking of the bill
26	Import bills for collection – unpaid to be returned to the bank	Claim USD 100 from the bank and if not paid within 15 days from return of documents, recover from importer Rs. 2500	At the time of return of unpaid documents to the bank
27	Import bills under LC crystallization	Rs. 1000	At the time of crystallization
28	Advance payment for imports	0.15 % with minimum Rs. 500 and maximum Rs. 20000 (max. Rs. 10000 for diamond units)	Booking of the bill
29	Import bills outstanding beyond six months from shipment	Rs. 2500	To be recovered, one time, at quarter end or at retirement, whichever is earlier
30	Issuance of delivery order for air shipment consigned to the Bank	Rs. 1500	Issuance
31	Issuance of shipping guarantee	Rs. 2000 per quarter	Issuance
32	Other SWIFT message charges	Rs. 650	Transmission
33	Postage	Rs. 150	Dispatch

Courier (foreign)

Rs. 1600

Dispatch

Sr. No.	Type of transactions	Commission / Charges	Recovery stage
BUYERS’ CREDIT
35	Processing of application	Rs. 1500	Booking of the bill
36	Commission on buyers’ credit amount including interest payable	2 % p.a. (Min Rs. 1500)	At the time of issuance, for actual days
37	NOC to arrange buyers’ credit from other banks	Rs. 1500	Issuance
38	Buyers’ credit SWIFT message charges	Rs. 1500	At the time of transmission

REMITTANCES
39	Inward remittances without FIRC	Rs. 250	At the time of credit
40	e-FIRC uploading	Rs. 500	At the time of issuance of e-FIRC
41	Follow up for non-submission of bill of entry within stipulated period	Rs. 1000	One time to be recovered at the time of follow-up
42	Inward remittance in respect of NRI accounts	Free
43	DD / OTT including NRO/NRE savings balances repatriation ( FCNR and NRE deposit repatriation excluded)	0.15 % with minimum Rs. 500 and maximum Rs. 10000	At the time of remittance
44	Collection of foreign currency cheques	0.15 % with minimum Rs. 500 and maximum Rs. 10000	At the time of realisation of the cheques

Postage / courier for collection of foreign currency
cheques

Rs. 100 or actual, whichever is higher

At the time of realisation of the cheques

Sr. No.	Type of transactions	Commission / Charges	Recovery stage
46	Return of foreign currency cheques	Collection commission as applicable plus Rs. 250 and foreign bank charges, if any	At the time of return of the cheques
47	SWIFT message charges for outward remittance	Rs. 650	Transmission
48	SWIFT message for DD issued	Rs. 200	Issuance of DD
49	Issuance of duplicate FIRC / DD	Rs. 500	Issuance
50	Travel Card issuance / reload	Rs. 100 for per reload
MISCELLANEOUS
51	Deviations as permitted by Forex Policy	Rs. 2000	Disbursement
52	Applications to RBI for approval	Rs. 1500	At the time of application
53	Forward Contract Booking / Cancellation	Rs. 500	At the time of booking / cancellation
54	Guarantees / SBLCs of various types related to export / import	As per the commission applicable for local bank guarantees ( in case FCBG / SBLC arranged through correspondent, commission to be charged equal to that of charged by correspondent)	Issuance
55	SBLC advising	Rs. 1500	Advising
56	SBLC amendment advising	Rs. 1000	Advising
57	Foreign Currency Loans for first disbursement	Transaction fee Rs. 10000	Disbursement
58	Stock statement for exports submission after 10th day of subsequent month	Rs. 2500	May be waived in case of genuine reasons by SME Head / Zonal Head
59	PIS approval for NRIs	Rs. 1000

60	Reporting under PIS	Rs. 500 per contract note	Reporting to RBI
61	ODI / ECB approval	Rs. 100000 for ODI and Rs. 25000 for ECB	Reporting to RBI
62	ODI / ECB reporting / transfer	Rs.10000 per reporting / transfer of ODI and Rs. 1000 for ECB per reporting	Reporting to RBI
63	FDI reporting	Rs 15000 per reporting	Reporting to RBI
Sr. No.	Type of transactions	Commission / Charges	Recovery stage
EXCHANGE MARGINS
64	Trade related FX transactions margin	Max. 2 % per unit of currency.	To be built in quote.
65	Non-trade remittances	Max. 2% per unit of currency.
66	Inward remittances of NRIs	Max. 2% per unit of currency.
67	Sale / purchase of Travellers cheques / Travel Cards	Max. 2% per unit of currency.	No commission to be charged, STFC -GST as applicable to be recovered
68	Sale / purchase of Foreign Currency Notes	Max. 2% per unit of currency.	No commission to be charged, STFC as applicable to be recovered
INLAND LCs
69	LC opening :Commitment commission	2.16 % p.a. ( Min Rs. 1500)	At the time of issuance, for actual days
70	LC opening: Tenor of Bill - commission	2.16 % p.a. for tenor and 0.18 % flat for sight LCs ( Min Rs. 1500)	At the time of issuance, for actual days
71	Amendment to the LC ( enhancement in value / extension / others)	Rs. 1000 plus as applicable to enhancement in value / extension LC validity / extension of bill tenor based on above	At the time of issuance, for actual days

Documents under inland LCs retirement

Rs. 1000
Discrepancy fee: Rs. 2000 to be deducted

Retirement of the bill

73	INTEREST RATES ON RUPEE EXPORT FINANCE W.E.F. 01.07.2020 (PLR: 14.00% p.a.)
	TYPE	INTEREST RATES
	Packing Credit (from the date of advance)
	Up to 270 days or production cycle whichever is less	PLR – 325 bps
	Beyond 270 days from the date of advance / overdue packing credit	PLR + 125 bps
	Current a/c recovery	PLR + 225 bps
	Post shipment credit (from the date of advance)
	On demand bills for transit period	PLR – 325 bps
	On usance bills up to 180 days	PLR – 325 bps

	Overdue period beyond the due date but not exceeding 180 days from the date of advance	PLR – 225 bps
	ECNOS (export credit not otherwise specified) and interest on overdue advance beyond 180 days from the date of advance	PLR + 125 bps
	Current a/c recovery	PLR + 225 bps

74	INTEREST RATES ON FOREIGN CURRENCY EXPORT FINANCE W.E.F. 01.01.2022
	Packing Credit in foreign currency
	Upto 180 days or production cycle whichever is less	500 bps over 6 months Term SOFR / ESTR (min. 5.50% p.a.)
	Overdue PCFC	200 bps over above
	Post-shipment credit in foreign currency
	On demand bills for transit period (as specified by FEDAI)	500 bps over 6 months Term SOFR / ESTR (min. 5.50% p.a.)
	Against usance bills (credit for total period comprising usance period of export bills, transit period as specified by FEDAI and grace period wherever applicable) up to 180 days from the date of shipment	500 bps over 6 months Term SOFR / ESTR (min. 5.50% p.a.)
	Overdue PSCFC	200 bps over above

FCNR DEPOSITS

Rupee loan against FCNR deposits

PLR – 200 bps

Notes:

The service charges mentioned above are exclusive of GST. Applicable GST is to be recovered along with the service charges.

SWIFT, postage and courier charges as above are to be recovered on application of the service.

In case of insufficient balance in the account, debit balance may be drawn to the extent of applicable service charges, however follow-up is to be done to recover the same at the earliest.

Locker Rent Charges

Locker Rent charges for all branches w.e.f 1st April 2019* (except Andheri West Branch)

Locker Category	Space Band occupied (in cubic cms)	Rent per annum (without GST)
Locker Category	Space Band occupied (in cubic cms)	Metro Branches	Urban/Semi Urban/ Rural branches
A	8000-12000	1300	1200
B	12001-15000	1400	1300
C	15001-17500	2400	2200
D	17501-19500	2500	2200
E	19501-23000	2700	2500
F	23001-26000	2900	2800
G	26001-33000	3200	2800
H	33001-36000	3300	2800
I	36001-53000	4000	3300
J	53001-71000	4500	3500
K	71001-120000	6500	5400

Locker Rent charges for Andheri West Branch w.e.f 1st April 2019*

Locker Category	Space	Locker Rent Charges (without GST)
A5	8000-12000	2600
C5	19501-23000	4800
D5	23001-26000	5000
F5	36001-53000	5800
K5	71001-120000	13000

* The new locker holders will be charged as per the revised locker rental from 1st October 2018.

Security Deposit: Security deposit equivalent to three years rental plus break opening charges of Rs.3300/-.
Locker Registration Charges: One time Locker registration charges of Rs.500/- plus taxes as applicable at the time of opening of locker.
Visit Operation Charges: Locker visit operation charges at Rs. 50/- per visit plus taxes as applicable for more than 12 visits in a year.
Break Open of Locker Charges: Charges of Rs.750/- plus taxes per occasion as applicable at the time of break open of locker over and above the recovery of actual break-open expenses.
Locker Surrender Charges: Charges of Rs.750/- plus taxes as applicable for surrender of locker.
Penalty Charges: Penalty for delayed renewal at Rs100/- per month or part of a month which is recovered by the system at the time of deposit of actual payment of locker rent by customers

Service charges for Society account

Sr. No.		Society Value	Society Plus	Society Prime
1	Cheque Book	Free cheque book facility of 100 cheque leaves per annum thereafter Rs. 4/- per cheque leaf	Free cheque book facility of 250 cheque leaves per annum thereafter Rs. 4/- per cheque leaf	Unlimited free cheque leaves
2	NEFT/RTGS transactions	Free	Free	Free
3	SMS / Internet Banking	Free	Free	Free
4	Utility Bill Payments	Free	Free	Free
5	SMS alert charges	Free	Free	Free
6	Ledger Folio	Not Applicable	Not Applicable	Not Applicable
7	Cash Deposit/ Withdrawal limit at home branch	Deposit/ Withdrawal = No limit	Deposit/ Withdrawal = No limit	Deposit/ Withdrawal = No limit
8	Cash handling charges at home branch	Deposit/ Withdrawal = No charges	Deposit/ Withdrawal = No charges	Deposit/ Withdrawal = No charges
9	Cash Deposit/ Withdrawal limit at non home branch	(i) Deposit = No limit (ii) Withdrawal = Not Available	(i) Deposit = No limit (ii) Withdrawal = Not Available	(i) Deposit = No limit (ii) Withdrawal = Not Available
10	Cash handling charges at non home branch	Deposit = No charges	Deposit = No charges	Deposit = No charges
11	Non Collection of Personalized Cheque book from the branch within stipulated time (Return undelivered)	Rs.25/- per cheque book	Rs. 25/- per cheque book	Not Applicable
12	Duplicate Passbook	Rs. 50/- per passbook	Rs. 50/- per passbook	Free
13	Stop payment instruction	Rs. 150/- + GST per cheque leaf, maximum Rs.500/- + GST per instance	Rs.150/- + GST per cheque leaf, maximum Rs.500/- + GST per instance	Rs.150/- + GST per cheque leaf, maximum Rs. 500/- + GST per instance
14	Stop payment instruction after Loss of complete cheque book or range of cheques	Rs.200/- per instance	Rs. 200/- per instance	Rs. 200/- per instance
15	Cheque Return Charges	(i) Inward Clearing = Rs.300/- + GST (ii) Outward Clearing = Rs. 200/- + GST	(i) Inward Clearing = Rs. 300/- + GST (ii) Outward Clearing = Rs. 200/- + GST	(i) Inward Clearing = Rs.300/- + GST (ii) Outward Clearing = Rs.200/- + GST
16	Non Maintenance of Minimum Balance	Rs.250 per quarter (for all categories of branches)	Rs.750 per quarter (for all categories of branches)	Rs.1000 per quarter (for all categories of branches)
17	Account Closure	If closed within 6 months Rs.250 + charges for unused cheque leaves at Rs. 5 per leaf + GST If closed within 1 year Rs. 150 +charges for unused cheque leaf at Rs. 5 per leaf.	If closed within 6 months Rs.1000 + charges for unused cheque leaves at Rs. 5 per leaf + GST If closed within 1 year Rs. 500 +charges for unused cheque leaf at Rs. 5 per leaf.	If closed within 6 months Rs.2000 + charges for unused cheque leaves at Rs.5 per leaf + GST If closed within 1 year Rs. 1000 +charges for unused cheque leaf at Rs. 5 per leaf.