Schedule of Service charges
( W.E.F. 01-06-2026)
| Issue of Pay Order | Transfer | Cash |
| Upto Rs. 25,000/- |
Rs. 30/- | Rs. 75/- |
| Above Rs. 25,000/- |
Rs. 1.50 per thousand | Rs. 2.50 per thousand |
| Maximum |
Rs. 750/- | Rs. 2,000/- |
| Issue of DD on Correspondent Bank (Axis Bank/IDBI Bank etc) | Transfer | Cash |
| Upto Rs. 25,000/- |
Rs. 50/- | Rs. 100/- |
| Above Rs. 25,000/- |
Rs. 1.50 per thousand | Rs. 2.50 per thousand |
| Maximum |
Rs. 5,000/- | Rs. 5,000/- |
Note : If PO/DD is issued against the Cash deposits in SB/CA, the commission charges will be levied of those charged on issue of PO/DD against the Cash and not of Transfer
| Cancellation of Pay Order / DD | |
| Cancellation of Pay Order / DD |
Rs. 100/- per Instrument |
| Issue of Duplicate PO/ DD |
Rs. 100/- per Instrument |
Note : In case of revalidation of DD / PO we will recover cancellation charges as well as charges for issue of Duplicate PO/DD
| Stop Payment Charges | Saving | CD/CC/OD |
| Cheque Stop Payment Charges (per cheque) Maximum Rs.1000/- per instance. |
Rs. 100/- | Rs. 200/- |
| In case of Loss of full Cheque Book or series of Cheques, the total Stop Payment Charges will be |
Rs. 500/- | Rs. 750/- |
| Revoke of Stop Payment Charges |
NIL | NIL |
| Statement Charges | Saving | CD/CC/OD |
| Issue of Duplicate Pass Book / Duplicate Statement |
Rs. 100/- per page | Rs. 100/- per page |
| Statement through Mail (per account) if issued duplicate |
Rs. 50/- | Rs. 50/- |
| Certification Charges | Saving | CD/CC/OD |
| Any Other Certificate (e.g. address confirmation, account /prop confirmation) |
Rs. 100/- | Rs. 100/- |
| Attestation of Signature / Photo (Per Document) |
Rs. 100/- | Rs. 100/- |
| Status Report / Confidential Report (Per Certificate) |
Rs.200/- | Rs.200/- |
| Balance / Interest Certificate |
Free of Charge | Free of Charge |
| Account Closure Charges | Saving | CD/CC/OD |
| Account closed within Six Months (exempted if bank discontinues account/relation). |
Rs.500/- | Rs.800/- |
| Incidental Charges (Half Yearly) | Saving | CD/CC/OD |
| Incidental Charges (Half Yearly) |
NIL | Rs. 150/- per page of 40 entries |
| Mandate Initiation/Modification/Cancellation Charge |
Rs. 150/- per mandate | Rs. 200/- per mandate |
Note : 1) Minimum Incidental Charge - Rs.150/- half Yearly.
2) If the same mandate is repeated, then no addition charges to be recovered.
| Cheque Return Charges | Saving | CD/CC/OD |
| For Return of Cheque deposited in our Outward Clearing |
Rs. 250/- | Rs. 350/- |
| For Inward Clearing (Cheque drawn on and returned by us.) |
Rs. 250/- per instrument upto Rs.5.00 lakhs & Rs.300/- per instrument above Rs.5.00 Lakhs | Rs. 350/- per instrument upto Rs.5.00 lakhs & Rs.400/- per instrument above Rs.5.00 Lakhs |
| ECS return charges | Saving | CD/CC/OD |
| ECS return charges (Initial Rejection) |
Rs. 200/- | Rs. 200/- |
| For Transfer return. If memo is demanded then charges to be debited to debit instrument account. |
Rs. 100/- | Rs. 100/- |
| Minimum Balance Charges (w.e.f. 27-05-2018) | Saving | Current Account |
Minimum Balance Charges
(Applicable on the shortfall amount of minimum require balance) |
7.50%
(on the shortfall amount of minimum require balance) | 7.50%
(on the shortfall amount of minimum require balance) |
| Minimum balance requirement in BSBD Account |
Rs. 0.00 | - |
| Minimum balance requirement in Saving Account |
Rs.1,000/- | - |
| Minimum balance requirement in FlexiSaving Account |
Rs.5,000/- | - |
| Minimum bal. requirement in Migrant Workers Account |
Rs.100/- | - |
| Minimum balance requirement in Current Account |
- | Rs.5,000/- |
Note : MINIMUM BALANCE charges are not applicable for Senior Citizen Saving Account/s.
| Cheque Book Related Charges | Saving | CD/CC/OD |
| Cheque Book Issue Charges |
Free of Charge - 42 Leaves allowed per year, thereafter Rs.3/- per cheque leaf | Rs. 3.50 per cheque leaf |
| For issue of loose cheque |
Rs. 10.00/- per leaf | Rs. 10.00/- per leaf |
| Cheque Book Destroy Charges (After 3 months from cheque book issue date) |
Rs. 50/- per cheque book destroyed | Rs. 100/- per cheque book destroyed |
| ATM Related Charges | |
| ATM Card Issue Charges |
NIL (free for 1st year) |
| ATM Card Annual Charges (from 2nd year beginning) |
Rs. 200/- |
| Issue of Duplicate ATM Card |
Rs. 250/- |
| ATM Card Destroy Charges (After 6 months from card issue date) |
RS. 250/- |
| ATM Card Transaction Charges (Free Transaction includes Financial as well as Non-Financial) | Metro City (Above 3 transactions) | Non Metro City (Above 5 transactions) |
| Financial Transactions |
Rs. 20/- per transaction | Rs. 20/- per transaction |
| Non-Financial Transactions |
Rs. 20/- per transaction | Rs. 20/- transaction |
| ATM/ P0S Trans. Declined charges (for Lack of Balance in Account). |
Rs.20/- per transaction | Rs.20/- per transaction |
| Collection of Outstation Cheques (as per RBI Circular) | Savings | Current |
| Up to Rs. 5000/- |
Rs.25/- Per Instrument | Rs.50/- per Instrument |
| Above Rs. 5000/- up to Rs. 10000/- |
Rs.50/- Per Instrument | Rs.100/- per Instrument |
| Above Rs. 10000/- up to Rs. 100000/- |
Rs.100/- Per Instrument | Rs.150/- per Instrument |
| Above Rs. 100000/- |
Rs.1/- Per thousand | Rs.1.50/- per thousand |
Note : These charges are mandated by RBI + GST + applicable Postal/ Courier Charges)
| Cash Deposit Charges | Savings |
| Upto Rs. 100,000/- |
Nil |
| Above Rs. 100,000/- |
Rs.2/- Per thousand |
| Cash Deposit Charges | Current /CC/OD |
| Upto Rs. 500,000/- |
Nil |
| Above Rs. 500,000/- |
Rs. 3/- Per thousand |
Note : 1) In case the cash is deposited in Saving/ Current account to invest the said amount in Term Deposit with our bank, the cash deposit charges are not applicable in such case.
2) For Small Denomination Cash Deposit: No charges for only 1 packet in the denomination of either Rs.10/- or Rs.20/- or Rs.50/- per day per account, beyond that the charges of Rs.20/- per packet + GST.
Coin Handling Charges: Per 100 coins or part thereof. if coins exceeds 10 coins per day
| Particulars | Charges | |
| Coins of Rs.20/- denomination |
Rs.20/- | |
| Coins below Rs.20/- denomination |
Rs.10/- | |
| Issue of Duplicate FDR / Share Certificate | Rs.100 per request (Excluding lndemnity Bond Charges) |
Locker Charges
| Particulars | Charges |
| One time Locker Registration Charges |
Rs. 1000/- for any type of Locker |
| Locker Rent |
Small Locker: Rs.1700/- p.a.
Medium Locker: Rs.2200/- p.a.
Large Locker: Rs.3500/- p.a |
| Locker Break Open Charges |
Rs.1000/- in additional to the charges levied by the Company for Break Open |
| Penalty for delay in payment of Rent per month or part thereof |
Small Locker: Rs.50/-
Medium Locker: Rs.75/-
Large Locker: Rs.100/- |
| Locker operating charges |
24 operations free per year. Rs.100/- per operation from 25th operation. |
SMS Alert Charges
| Particulars | Charges |
| SMS Alert Charges on At Actual Usage Basis |
25 Paise per SMS |
Note : SMS charges on usage Basis @ Rs.0.25 per SMS, however no Cap on maximum limit on SMS charges on usage basis from 01-10-2025. From 01-01-2026, the SMS Charges will be applied on monthly basis after completion of every month.
Other Charges
Direct and Indirect Online Tax Payments:
e-tax Filing Return amount
| Particulars | Charges |
| Tax amount upto Rs. 100,000/- |
Rs.100/- |
| Tax amount above Rs.100,000/- |
Rs.100/- + additional Rs.100/- per every Rs.100,000/- or part thereof with maximum amount of Rs..1,000/- |
Changes in Operational Instructions
| Particulars | Charges |
| Changes in Operational Instructions/ Addition/ Deletion/ Substitution of names / Change of Address, etc. |
Rs.200/- |
| operation through POA/Mandate/Change of Signature of Authority |
Rs. 100/- per modification / change |
Simple Receipt / eSBTR
| |
| Upto the amount of Rs..100,000/- |
Rs. 100/- per Instrument |
| Above Rs. 100,000/- |
Rs.100/- + additional Rs.100/- per every Rs.100,000/- or part thereof with maximum amount of Rs..1,000/- |
Old Records retrieval charges
A) Information relating to old entries
| SLAB | Charges |
| Upto 1 Year |
NIL |
| Above 1 Year and upto 2 Years |
Rs. 200/- per entry |
| Above 2 Year and upto 3 Years |
Rs. 250/- per entry |
| Above 3 Years |
Rs. 300/- per entry |
| Note:. Out of pocket expenses will be charged separately in addition to above charges. |
|
B) Copy of old records in the form of vouchers /Document etc. (as per NI ACT)
| SLAB | Charges |
| Within Year |
Rs.100/- per voucher/document |
| After 1 year |
Rs.200/- per voucher/document |
Penal Charges
(For Loan / Cash Credit / Overdraft / Bills facility Accounts)
Schedule of charges for Non-Compliance of Terms & Conditions
| Particulars | | Penal Charges (p.a.) + applicable GST |
| 1) Installments in Arrears |
| 2.00% |
| 2) Interest on Loans remaining O/due |
| 2.00% |
| 3) Non - Renewal of CC / OD facilities on Due Dates |
| 2.00% |
| 4) Non submission of Stock / Debtors Statements before 10th of the succeeding month. In case of Consortium advance, each Bank to levy penal charges if above irregularity observed. |
| 2.00% |
| 5) Overdrawing in CC / OD / Excess of Drawing Power |
| 2.00% |
| 6) In case of any other Irregularity noticed during the currency of Credit facilities sanctioned to the Borrower |
| 2.00% |
| 7) Commitment Charges on Unutilized Portion of CC / OD / OL-OD will be levied as per sanction |
| 1.00% p.a. to be charged half yearly |
| 8) Pre-payment / Foreclosure / Takeover charges on funded exposure |
| |
| a. Closure of TL account within a year |
| 2% of O/s as per repayment schedule |
| b. Closure of TL account between 1-2 years |
| 1% of O/s as per repayment schedule |
| c. Closure of TL account after 2 years |
| NIL |
| d. In case of CC /OD, if the account is closed before One Year |
| 1% of sanctioned limit |
| e. Takeover of credit facilities by any other Bank at any point of Time |
| 2% of sanctioned limit – CC/OD 2% of O/s in case of TL |
Note : The above service charges are exclusive of GST (@18%) as applicable under the Finance Act.
