Charges
1. Fee Based Service Charges
I. Locker Rent Charges
| New Type of Locker | Revised Yearly Rent (wef 1st January 2023) | |
| Metro & Urban Branches (Amount in Rs.) | Semi & Rural Branches (Amount in Rs.) | |
| A Type | 1700 | 1200 |
| B Type | 2300 | 1800 |
| C Type | 2500 | 2000 |
| D Type | 3300 | 2500 |
| E Type | 3800 | 3300 |
| F Type | 5300 | 5100 |
| G Type | 7000 | 6500 |
| H Type | 11000 | 10500 |
*All the above charges are excluding GST
Locker access more than 2 times in a month will be chargeable @Rs.100+GST per access
2. Card Charges
I. Debit Card Charges
| Card Variant | Issuance Charge | AMC | ||
| Account Variant | ||||
| Normal Debit Card | Business Debit Card | Normal Debit Card | Business Debit Card | |
| RuPay Classic International DI Debit Card | Rs. 250 | Rs. 500 | Rs. 250 | Rs. 300 |
| RuPay Platinum International DI Debit Card | Rs. 400 | Rs. 500 | Rs. 450 | Rs. 500 |
| RuPay Classic Domestic DI Debit Card | Rs. 150 | Rs. 500 | Rs. 100 | Rs. 300 |
| VISA International DI Debit Card | Rs. 150 | Rs. 500 | Rs. 100 | Rs. 300 |
II . Credit Card Charges
| Credit Cards | Platinum | Gold |
| Entrance Fees | Rs.999 Waived | Rs.499 Waived |
| Annual Fees | Rs.3999 Waived | Rs.1999 Waived |
| Add on Card | Rs.999 Waived | Rs.499 Waived |
| Cash withdrawal fees | Rs.400 Per Transaction | Rs.400 Per Transaction |
| Hot listing charges | Rs.300 | Rs.300 |
| 2. Other Charges | | |
| Service Charges - Railway Booking | POS: Rs.30+2.5% Online: 1.8% | POS: Rs.30+2.5% Online: 1.8% |
| Service Charges - Fuel Transaction | Rs.10 or 2.5% | Rs.10 or 2.5% |
| Late Payment Fee - PBC* | 30% of MAD, Min: Rs.400 Max: Rs.600 | 30% of MAD, Min: Rs.400 Max: Rs.600 |
| Late Payment Fee - PBT* | 10% of MAD, Min: Rs.100 Max: Rs.200 | 10% of MAD, Min: Rs.100 Max: Rs.200 |
| Over Limit Fee | 2.5% of the amount exceeding limit; Min: Rs.300 | 2.5% of the amount exceeding limit; Min: Rs.300 |
| Renewal Fee | NIL | NIL |
| Application Processing Fee | Rs.500 Waived | Rs.250 Waived |
| Reward Redemption Fee | Rs.75 | Rs.75 |
| Interest Free Credit Period - PBT* *Applicable only on all retail purchases | 45 Days | 45 Days |
| Total Credit Period per Transaction - PBT | 75 Days | 75 Days |
| Interest Free Credit Period - PBC* *Applicable only on all retail purchases and if previous months balance outstanding is paid in full by due date. | 20 - 50 Days | 18 - 48 Days |
| Finance Charges - Introductory : 3 Months from issue date, applicable only on Retail Purchases. (PBC & PBT) | 24% | 36% |
| Finance Charges - Cash Advances (PBC & PBT) | 36% | 36% |
| Finance Charges - Regular (PBC & PBT) | 36% | 42% |
| Finance Charges - Default (PBC & PBT) * From the date of default. | 42% | 48% |
| Cheque Return / StandingInstruction Dishonour Charges | Rs.400 | Rs.400 |
| Reissue of PIN Mailer | Rs.100 | Rs.100 |
| Sales Slip Retrieval Charges | Rs.300 | Rs.300 |
| Duplicate Statement Generation (PBC & PBT) | Rs.100 | Rs.100 |
| BT* Processing Fee | 1% of BT Amount Min: Rs.200 | 1% of BT Amount Min: Rs.200 |
| EMI Processing Fee | As per the rate applicable at the time of EMI registration. | As per the rate applicable at the time of EMI registration. |
| Outstation Cheque Collection | Rs.100 | Rs.100 |
| Foreign Currency Transaction Fee | 3.5% | 3.5% |
| Billing Change Request | Rs.250 | Rs.250 |
| emPower Tool Annual Fee | NIL | NIL |
| Pay By Transaction Billing Annual Fee | NIL | NIL |
| Plan Your Rewards Annual Fee | NIL | NIL |
| Cash Limit as % of Total limit | 15% | 10% |
| Minimum Amount Due (MAD) PBC | 5% of TAD* Min: Rs.200 | 5% of TAD* Min: Rs.200 |
| 3. IMPS Money Transfer Charges | Inward Transaction | Outward Transaction |
| Amount from Rs.1 and upto Rs.1 Lakh | Free | Rs.5 + GST |
| Amounts above Rs.1 Lakh and upto Rs.2 Lakh | Free | Rs.15 + GST |
| | | |
| 4. NEFT Money Transfer- From Branch | Inward=Free | Outward=Charges from branch |
| 5. NEFT/RTGS Money Transfer - Internet Banking/Mobile Banking | Free | Free |
| 6. RTGS Money Transfer | Inward=Free | Outward=Charges from branch above 2 lakhs - 5 lakhs - Rs.25 + GST per transaction; above 5 lakh - Rs.50 + GST per transaction |
- Revised Service Charge-Free Transactions in other Bank ATM effective from 01.11.2014
- Introduction of Fuel Surcharge Charges for usage of Debit Cards at Fuel Service Station with effect from 01.12.2014
