Charges and Fees | Fincare Bank

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Schedule of Charges

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Smart Saver

Priority Account

Priority Plus Account

Pro-Priority Account

Loan Against Gold

Loan Against Property

Affordable Housing Loan

Over Draft Against Property

Two-Wheeler Loan

101First

101Priority

Priority Business Current Account

Smart Business Current Account

BSBDA

Shakti Account

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Smart Saver

Account Opening

Service / Transaction Type	Charges (Excluding GST)	Waivers / Benefits
Account Closure -Indiv/ Joint CASA & Sole Prop CA	₹100 per instance	Free if closed after 1 Year (Charges applicable only if closed within a year)
Account Closure- Partnership & Corporates	₹500 per instance	Free if closed after 1 Year (Charges applicable only if closed within a year)
Charges applicable if Balance below min balance	₹50 monthly (pro-rata)	NA

Cards

Service / Transaction Sub Type	Charges (Excluding GST)	Waivers / Benefits
Instakit Issuance	₹200 per instance
Personalized Card Issuance	₹200 per instance
Debit Card Maintainence Charges	₹200 Annual	Waived off for first year
Debit Card re-issuance/ Add on Card - Insta Card	₹200 per instance
Debit Card re-issuance/ Add on Card - Personalised	₹200 per instance
Debit card withdrawal transactions at Fincare ATM	₹19 per transaction (beyond free)	5 transactions per month in Non-Metro + 3 per month in Metro Locations is including transactions of Fincare ATM, non-Fincare ATM, Financial and Non-Financial transactions.
Debit card non-financial transactions at Fincare ATM	₹9 per transaction (beyond free)
Debit card withdrawal transactions at Non-Fincare ATM	₹20 per transaction (beyond free)
Debit card non-financial transactions at Non-Fincare ATM	₹10 per transaction (beyond free)

Cheque

Service / Transaction Sub Type	Charges (Excluding GST)	Waivers / Benefits
Non-CTS Cheque Deposited	( Upto 5000: ₹ 50 5K-10K: ₹ 100 10k - 20k: 200 20k-50k: 500 >50K: 1%)
CTS Cheques Deposited Return for Insufficient Funds	₹100 per instance
CTS Cheques Deposited Return for Other Reasons	₹50 per instance
Non CTS Cheques Deposited Return for Insufficient Funds	₹500 per instance
Non CTS Cheques Deposited Return for Other Reasons	₹200 per instance
CTS Cheque issued return - Insufficient Funds	₹300 per instance
CTS Cheque issued return - Other Reasons	₹100 per instance
Instakit Cheque book (25 Leaves / Book)	NA
Instakit Cheque book (100 Leaves / Book)	NA
Issuance/ Reissuance Cheque book (25 Leaves / Book)	₹50 per instance
Issuance/ Reissuance Cheque book (100 Leaves / Book)	NA
Stop Payment per Cheque	₹100 per instance
Stop Payment - Cheque series	₹300 per instance

Alerts & Notification

Service / Transaction Sub Type	Charges (Excluding GST)	Waivers / Benefits
Subscription for SMS Alerts	₹10 per month

Cash Transactions

Service / Transaction Sub Type	Charges (Excluding GST)	Waivers / Benefits
Cash transactions (home & non home branch)	After the free limit, ₹ 4 per 1,000. Minimum charge of ₹ 50. per instance based on the value	Free 2 transactions per month
Cash withdrawal transactions (home & non home branch)	After the free limit, ₹ 4 per 1,000. Minimum charge of ₹ 50. per instance based on the value	Free 2 transactions per month

Locker Charges

Service / Transaction Sub Type	Charges (Excluding GST)	Waivers / Benefits
Locker Charge - Category A (Small )	₹2000 annually
Category C (Medium)	₹3000 annually
Category F (Large)	₹5000 annually

Transfers

Service / Transaction Sub Type	Charges (Excluding GST)	Waivers / Benefits
IMPS Transfer	Up to ₹25,000: ₹ 2.5/TX
	₹25,001-₹1,00,000: ₹ 5/TX
	₹1,00,001-₹2,00,000- ₹15/TX
RTGS Transfer	₹2,00,000-₹5,00,000: ₹17/ TX
RTGS Transfer	Above 5 Lakhs: ₹44/TX
NEFT Transfer	Up to 10000: ₹ 2.25/TX
	₹10001-₹1,00,000: ₹ 4.75/TX
	₹1,00,001-₹2,00,000: ₹ 14.75/TX
	Above 2 Lakhs: ₹ 24.75/TX

Note: NEFT initiated through online channels are not chargeable

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Priority Account

Account Opening

Service / Transaction Type	Charges (Excluding GST)	Waivers / Benefits
Account Closure -Indiv/ Joint CASA & Sole Prop CA	₹100 per instance	Free if closed after 1 Year (Charges applicable only if closed within a year)
Account Closure- Partnership & Corporates	₹500 per instance	Free if closed after 1 Year (Charges applicable only if closed within a year)
Charges applicable if Balance below min balance	₹300 monthly (pro-rata)	NA

Cards

Service / Transaction Sub Type	Charges (Excluding GST)	Waivers / Benefits
Instakit Issuance	₹200 per instance
Personalized Card Issuance	₹200 per instance
Debit Card Maintainence Charges	₹200 annually	Waived off for first year
Debit Card re-issuance/ Add on Card - Insta Card	₹200 per instance
Debit Card re-issuance/ Add on Card - Personalised	₹200 per instance (beyond free)
Debit card withdrawal transactions at Fincare ATM	₹19 per transaction (beyond free)	12 transactions per month is including transactions of Fincare ATM, non-Fincare ATM, Financial and Non-Financial transactions.
Debit card non-financial transactions at Fincare ATM	₹9 per transaction (beyond free)
Debit card withdrawal transactions at Non-Fincare ATM	₹20 per transaction (beyond free)
Debit card non-financial transactions at Non-Fincare ATM	₹10 per transaction (beyond free)

Cheque

Service / Transaction Sub Type	Charges (Excluding GST)	Waivers / Benefits
Non-CTS Cheque Deposited	( Upto 5000: ₹ 50 5K-10K: ₹ 100 10k - 20k: 200 20k-50k: 500 >50K: 1%) Per Instance
CTS Cheques Deposited Return for Insufficient Funds	₹100 per instance
CTS Cheques Deposited Return for Other Reasons	₹50 per instance
Non CTS Cheques Deposited Return for Insufficient Funds	₹500 per instance
Non CTS Cheques Deposited Return for Other Reasons	₹200 per instance
CTS Cheque issued return - Insufficient Funds	₹300 per instance
CTS Cheque issued return - Other Reasons	₹100 per instance
Instakit Cheque book (25 Leaves / Book)	Free
Instakit Cheque book (100 Leaves / Book)	NA
Issuance/ Reissuance Cheque book (25 Leaves / Book)	₹50 per instance
Issuance/ Reissuance Cheque book (100 Leaves / Book)	NA
Stop Payment per Cheque	₹100 per instance
Stop Payment - Cheque series	₹300 per instance

Alerts & Notifications

Service / Transaction Sub Type	Charges (Excluding GST)	Waivers / Benefits
Subscription for SMS Aletrs	₹10 per month

Cash Transactions

Service / Transaction Sub Type	Charges (Excluding GST)	Waivers / Benefits
Cash transactions (home & non home branch)	After the free limit, ₹ 4 per 1,000. Minimum charge of ₹ 50. per instance based on the value	Free 2 transactions per month
Cash withdrawal transactions (home & non home branch)	After the free limit, ₹ 4 per 1,000. Minimum charge of ₹ 50 per instance based on the value	Free 2 transactions per month

Locker Charges

Service / Transaction Sub Type	Charges (Excluding GST)	Waivers / Benefits
Locker Charge - Category A (Small )	₹2000 annually
Category C (Medium)	₹3000 annually
Category F (Large)	₹5000 annually

Transfers

Service / Transaction Sub Type	Charges (Excluding GST)	Waivers / Benefits
IMPS Transfer	Upto ₹25,000: ₹ 2.5/TX	50 per month (NEFT, RTGS, IMPS together)
	₹25,001-₹1,00,000: ₹ 5/TX
	₹1,00,001-₹2,00,000- ₹15/TX
RTGS Transfer	₹2,00,000-₹5,00,000: ₹17/ TX	50 per month (NEFT, RTGS, IMPS together)
RTGS Transfer	Above 5 Lakhs: ₹44/TX	50 per month (NEFT, RTGS, IMPS together)
NEFT Transfer	Upto 10000: ₹ 2.25/TX	50 per month (NEFT, RTGS, IMPS together)
	₹10001-₹1,00,000: ₹ 4.75/TX
	₹1,00,001-₹2,00,000: ₹ 14.75/TX
	Above 2 Lakhs: ₹ 24.75/TX

Note: NEFT initiated through online channels are not chargeable

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Priority Plus Account

Account Opening

Service / Transaction Type	Charges (Excluding GST)	Waivers / Benefits
Account Closure -Indiv/ Joint CASA & Sole Prop CA	₹100 per instance	Free if closed after 1 Year (Charges applicable only if closed within a year)
Account Closure- Partnership & Corporates	₹500 per instance	Free if closed after 1 Year (Charges applicable only if closed within a year)
Charges applicable if Balance below min balance	₹500 monthly (pro-rata)	NA

Cards

Service / Transaction Sub Type	Charges (Excluding GST)	Waivers / Benefits
Instakit Issuance	Free
Personalized Card Issuance	Free
Debit Card Maintainence Charges	Free
Debit Card re-issuance/ Add on Card - Insta Card	Free
Debit Card re-issuance/ Add on Card - Personalised	₹100 per instance
Debit card withdrawal transactions at Fincare ATM	₹19 per transaction (beyond free)	15 transactions per month is including transactions of Fincare ATM, non-Fincare ATM, Financial Transactions. Non-Financial transactions are Free
Debit card non-financial transactions at Fincare ATM	Free
Debit card withdrawal transactions at Non-Fincare ATM	₹20 per transaction (beyond free)
Debit card non-financial transactions at Non-Fincare ATM	₹10 per transaction (beyond free)

Cheque

Service / Transaction Sub Type	Charges (Excluding GST)	Waivers / Benefits
Non-CTS Cheque Deposited	( Upto 5000: ₹ 50 5K-10K: ₹ 100 10k - 20k: 200 20k-50k: 500 >50K: 1%) Per Instance
CTS Cheques Deposited Return for Insufficient Funds	Free
CTS Cheques Deposited Return for Other Reasons	Free
Non CTS Cheques Deposited Return for Insufficient Funds	₹500 per instance
Non CTS Cheques Deposited Return for Other Reasons	₹200 per instance
CTS Cheque issued return - Insufficient Funds	₹300 per instance
CTS Cheque issued return - Other Reasons	₹100 per instance
Instakit Cheque book (25 Leaves / Book)	Free
Instakit Cheque book (100 Leaves / Book)	NA
Issuance/ Reissuance Cheque book (25 Leaves / Book)	₹50 per instance
Issuance/ Reissuance Cheque book (100 Leaves / Book)	NA
Stop Payment per Cheque	₹100 per instance
Stop Payment - Cheque series	₹300 per instance

Alerts & Notifications

Service / Transaction Sub Type	Charges (Excluding GST)	Waivers / Benefits
Subscription for SMS Aletrs	Free

Cash Transactions

Service / Transaction Sub Type	Charges (Excluding GST)	Waivers / Benefits
Cash transactions (home & non home branch)	Free
Cash withdrawal transactions (home & non home branch)	Free

Locker Charges

Service / Transaction Sub Type	Charges (Excluding GST)	Waivers / Benefits
Locker Charge - Category A (Small )	₹2000 annually
Category C (Medium)	₹3000 annually
Category F (Large)	₹5000 annually

Transfers

Service / Transaction Sub Type	Charges (Excluding GST)	Waivers / Benefits
IMPS Transfer	Upto ₹25,000: ₹2.5/TX	100 transactions per month (NEFT, RTGS, IMPS together)
	₹25,001- ₹1,00,000: ₹5/TX
	₹1,00,001- ₹2,00,000: ₹15/TX
RTGS Transfer	₹2,00,000-₹5,00,000: ₹17/ TX	100 transactions per month (NEFT, RTGS, IMPS together)
RTGS Transfer	Above 5 Lakhs: ₹44/TX	100 transactions per month (NEFT, RTGS, IMPS together)
NEFT Transfer	Upto 10000: ₹ 2.25/TX	100 transactions per month (NEFT, RTGS, IMPS together)
	₹10001-₹1,00,000: ₹ 4.75/TX
	₹1,00,001-₹2,00,000: ₹ 14.75/TX
	Above 2 Lakhs: ₹ 24.75/TX

Note: NEFT initiated through online channels are not chargeable

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Pro-Priority Account

Account Opening

Service / Transaction Sub Type	Charge Type	Charges (Excluding GST)	Priority - Waivers / Free Tx Benefits
Account Closure- Indiv/ Joint CASA & Sole Prop CA	Per Instance	₹100	Free if closed after 1 Year (Charges applicable only if closed within a year)
Account Closure- Partnership & Corporates	Per Instance	NA	NA
Charges applicable if Balance below min balance	Monthly (Prorata)	NA	NA

Cards

Service / Transaction Sub Type	Charge Type	Charges (Excluding GST)	Priority - Waivers / Free Tx Benefits
Instakit Card Issuance	Per Instance	Nil	-
Personalized Card Issuance	Per Instance	₹200	-
Debit Card Maintainence Charges	Annual	₹200	Waived off for first year
Debit Card re-issuance / Add on Card - Insta Card	Per Instance	₹200	-
Debit Card re-issuance / Add on Card - Personalised	Per Instance	₹200	-
Debit card withdrawal transactions at Fincare ATM	Per Transaction (beyond free)	₹19	12pm
Debit card non-financial transactions at Fincare ATM	Per Transaction (beyond free)	₹9	-
Debit card withdrawal transactions at NonFincare ATM	Per Transaction (beyond free)	₹20	-
Debit card non-financial transactions at Non - Fincare ATM	Per Transaction (beyond free)	₹10	-

Cheques

Service / Transaction Sub Type	Charge Type	Charges (Excluding GST)	Priority - Waivers / Free Tx Benefits
CTS Cheques Deposited Return for Insufficient Funds	Per Instance	₹100	-
CTS Cheques Deposited Return for Other Reasons	Per Instance	₹50	-
CTS Cheque issued return - Insufficient Funds	Per Instance	₹300	-
CTS Cheque issued return - Other Reasons	Per Instance	₹100	-
Instakit Cheque book (25 Leaves / Book)	Per Instance	Free	-
Instakit Cheque book (100 Leaves / Book)	Per Instance	NA	-
Issuance/ Reissuance Cheque book (25 Leaves / Book)	Per Instance	₹50	-
Issuance/ Reissuance Cheque book (100 Leaves / Book)	Per Instance	NA	-
Stop Payment per Cheque	Per Instance	₹100	-
Stop Payment - Cheque series	Per Instance	₹300	-

Alerts & Notifications

Service / Transaction Sub Type	Charge Type	Charges (Excluding GST)	Priority - Waivers / Free Tx Benefits
Subscription for SMS Alerts	Per Month	0	-

Transfers

Service / Transaction Sub Type	Charge Type	Charges (Excluding GST)	Priority - Waivers / Free Tx Benefits
IMPS Transfer	Per Instance	(Upto 25000: 2.5/TX	50 pm (NEFT, RTGS, IMPS together)
		25000-1 Lakh: 5/TX
		1 Lakh-2 Lakh- 15/TX)
RTGS Transfer	Per Instance	2 Lakh-5 Lakh: Up to 17/ TX
RTGS Transfer	Per Instance	5 Lakh Above: Upto 44/TX
NEFT Transfer	Per Instance	Upto 10000: Upto 2.25/TX
		10000-1 Lakh: Upto 4.75/TX
		1 Lakh-2 Lakh: Upto 14.75/TX
		Above 2 Lakhs: Upto 24.75/TX

Note: NEFT initiated through online channels are not chargeable

Cash Transactions

Service / Transaction Sub Type	Charge Type	Charges (Excluding GST)	Priority - Waivers / Free Tx Benefits
Cash deposit transactions (home & non home branch)	Per Instance based on the value	After the free limit, Rs. 4 per 1,000	Free 4 transactions per month
Cash withdrawal transactions (home & non home branch)	Per Instance based on the value	After the free limit, Rs. 4 per 1,000	Free 4 transactions per month

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Loan Against Gold

Charges & Fees

Service / Transaction Type	Charges
Processing Fees	0% to 0.5%+ Applicable taxes
Foreclosure Charges	NIL
Renewal Charges	0% to 0.5%+ Applicable taxes
Valuation Charges	NIL
Part Payment Charges	NIL
Penal Interest	2% step-up on ROI after maturity of the loan.
Stamp Charges	As per applicable laws of the state

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Loan Against Property

Charges & Fees

Service / Transaction Type	Charges
Rack Interest Rate Range	14.99% to 24%
Loan Processing Charges	Maximum of 2% of loan amount + Applicable Taxes
Prepayment charges	Within 12 months – In case of Balance Transfer - No full prepayment allowed within 12 months In case of closure from own source of funds, full prepayment allowed with 6% charges (plus taxes) on current principal loan outstanding. The payment to be accepted only through cheque from own account After 12 months – 3% charges (plus taxes) on Principal Loan Outstanding. The payment to be accepted by way of cheque only
Partial Pre-Payment Charges (W.e.f. 8th September 2020 – Applicable to all new & existing customers)	Within 12 months of disbursement: 6% Charges (plus taxes) on the amount partially pre-paid After 12 months of disbursement: 3% charges (plus taxes) on the amount partially pre-paid The amount partially pre-paid to be accepted by way of non-cash mode
Default Penal Interest	W.e.f 8th September 2020 3% per month on the default EMI for the delayed days with grace period of 4 days Till 7th September 2020 2% per month
Stamp Duty & other statutory charges	As per applicable laws of the state
Cheque / EMI Bounce Charges	W.e.f 8th September 2020 Rs. 400 (plus taxes) Till 7th September 2020 Rs. 300 (plus taxes)
Loan Cancellation (Within 7 Days from date of disbursement)	NIL Charges, MoDTD & Other Charges to be borne by the applicant
Legal & Valuation Charges	At Actuals to be borne by customer

Note: The above charges are exclusive of taxes and statutory levies as applicable from time to time.

The bank reserves the right to vary any of the above charges from time to time with due intimation to the customer. Revised charges will be communicated to the customer through bank's website and/or by any other acceptable mode of communication.

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Affordable Housing Loan

Other Charges

Type	Charges
Upfront Login Fee	Rs 3300 plus taxes
File Handling Charges	Upto 2% of plus taxes
Switching fee (High Floating rate to lower floating rate)	1% (plus taxes) on outstanding principal or Rs. 10,000 whichever is lower. The lower rate will be equal to the applicable current interest rate on the sanction loan amount grid
Statement of Account Charges	Rs 250 (plus taxes)
Provisional / Duplicate Interest Certificate issuance charges	Rs 250 (plus taxes) (Once Yearly - NIL charges)
Legal / Technical Charges	Part of File Handling Charges
Penal Interest on delayed EMI Payment	2% per month on delayed EMI amount
Cheque / EMI Bounce/ Missed Payment Charges	Rs 300 (plus taxes)
List of Document (LOD Charges)	Rs 500 (plus taxes)
Copy of Property Documents Retrieval	Rs 1000 (plus taxes)
Collection Pickup Charges	Rs 200 per visit (plus taxes)
Foreclosure Charges during Fixed ROI Period	3% on principal outstanding
Foreclosure Charges during Floating ROI Period	NIL

Expand All

Over Draft Against Property

Charges & Fees

Service / Transaction Type	Charges
Rack Interest Rate Range	LAP ROI + 1.00% or 1 Year MCLR whichever is higher
Loan Processing Charges	Maximum of 2% of loan amount + Applicable Taxes
Default Penal Interest	2% per month
Stamp Duty & other statutory charges	As per applicable laws of the state
Annual Limit Renewal Fee	0.5% of Default Value
Foreclosure Charges	3% plus applicable taxes
Legal & Valuation Charges	At Actuals to be borne by customer

Note: The above charges are exclusive of taxes and statutory levies as applicable from time to time.

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Two-Wheeler Loan

Charges & Fees

Parameters	Cross Sell Loans
Rate of Interest	26.49%
Tenure (In Months)	24/30/36 months
Processing fees	Rs 1500 + taxes
Bounce Charges	Rs.300 +taxes
Pre-Payment Charges	4% on Principal Outstanding
NACH/PDC Swapping Charges	Rs. 250+taxes
Late Payment Charges	2% per month on unpaid EMI
Duplicate Amortization Schedule Charges	100
NOC Charges	Free 1st time, then Rs 250 per instance

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101First

Charges & Fees

Minimum Monthly Average Balance (INR)

Nil

Fund Transfers

NEFT initiated through online channels are not chargeable
UPI transaction are not chargeable

IMPS
Up to INR 25000	INR 2.5 per transaction
INR 25000 - INR 1 Lakh	INR 5 per transaction
INR 1 Lakh - INR 2 Lakhs	INR 15 per transaction

NEFT:
Up to INR 10000	INR 2.25 per transaction
INR 10000 - INR 1 Lakh	INR 4.75 per transaction
INR 1 Lakh - INR 2 Lakhs	INR 14.75 per transaction
Above INR 2 Lakhs	INR 24.75 per transaction

RTGS*:
INR 2 Lakhs - INR 5 Lakhs	INR 17 per transaction
Above INR 5 Lakhs	INR 44 per transaction

Cash

INR 4 per INR 1000 of cash transaction with minimum charge INR 50

Debit Card/ATM Charges**

Debit card annual maintenance fees waived of for 1st year.
Debit card annual maintenance fees (after 1st year): INR 30 per month.
Debit card reissuance fees (replacement of lost card): INR 200
ATM (Fincare ATM/Non Fincare ATM) Financial/Non-Financial Transactions- 5 transactions per month in non-metro at nil charges and 3 transactions per month in metro at nil charges; thereafter Financial transaction: INR 19 per transaction; Non-Financial transaction: INR 10 per transaction
Debit card annual maintenance fees waived of for 1st year.

Cheque Book***

Cheque book issuance charge (25 leaves/book): INR 50
CTS Cheque deposited return due to insufficient funds: INR 100 per instance; CTS Cheque deposited return due to other reasons: INR 50 per instance; CTS Cheque issued return due to insufficient funds: INR 300 per instance; CTS Cheque issued return due to other reasons: INR 100 per instance, Non CTS Cheques Deposited Return for Insufficient Funds: INR 500 Per Instance, Non CTS Cheques Deposited Return for Other Reasons: INR 200 Per Instance.
Stop Payment per Cheque: INR 100 Per Instance, Stop Payment - Cheque series: INR 100 Per Instance.

Locker Charges

Category A (Small) - INR 2000 Annually
Category C (Med) - INR 3000 Annually
Category F (Large) - INR 5000 Annually

Branch Requests

Any request chargeable at INR 100 per request

Account Closure Charges

Free if closed after 1 year (Charges applicable of INR100 only if closed within a year)

Statements & Alerts

E-mail alerts: Nil
SMS alerts: INR 10 per month

Important Information:

Charges are exclusive of the Goods and Service Tax (GST)
As per RBI guidelines, Business/Commercial transactions are not permitted in the Savings Accounts
The above charges are subject to revision. Any change of charges will be intimated to the customer within a reasonable period prior to effecting any respective changes, as per Bank’s Policy

*RTGS available only after conversion to full KYC account
**Applicable for Physical Debit card
***Cheque book facility would be available only for customers who have completed Full KYC. Please complete your full KYC for availing the cheque book facility.

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101Priority

Charges & Fees

Minimum Monthly Average Balance (INR)

Monthly Average Minimum Balance: INR 25000 per month
Non maintenance of AMB will be charged at INR 300 pro-rata of shortfall

Fund Transfers

50 transactions per month free across IMPS, NEFT, RTGS* and across any of the bank’s channels (online, branch, etc.)
Charges if transactions exceed 50 transactions for the month:
NEFT initiated through online channels are not chargeable
UPI transaction are not chargeable

IMPS
Up to INR 25000	INR 2.5 per transaction
INR 25000-INR 1 Lakh	INR 5 per transaction
INR 1 Lakh- INR 2 Lakh	INR 15 per transaction

NEFT:
Up to INR 10,000	INR 2.25 per transaction
INR 10,000-INR 1 Lakh	INR 4.75 per transaction
INR 1 Lakh- INR 2 Lakh	INR 14.75 per transaction
Above INR 2 Lakhs	INR 24.75 per transaction

RTGS*:
INR 2 Lakhs-INR 5 Lakhs	INR 17 per transaction
Above INR 5 Lakhs	INR 44 per transaction

Cash

INR 4 per INR 1000 of cash transaction with minimum charge INR 50.

Debit Card/ATM Charges**

Debit card annual maintenance fees: Nil
Debit card reissuance fees (replacement of lost card): INR 100
ATM (Fincare ATM/Non Fincare ATM) Financial/Non-Financial Transactions - 12 transactions per month at nil charges; thereafter Financial transaction: INR 19 per transaction; Non-Financial transaction: INR 10 per transaction

Cheque Book***

Cheque book issuance charge (25 leaves/book): INR 50
CTS Cheque deposited return due to insufficient funds: INR 100 per instance; CTS Cheque deposited return due to other reasons: INR 50 per instance; CTS Cheque issued return due to insufficient funds: INR 300 per instance with waiver of 1 such instance per month; CTS Cheque issued return due to other reasons: INR 100 per instance with waiver of 1 such instance per month, Non CTS Cheques Deposited Return for Insufficient Funds: INR 500 Per Instance, Non CTS Cheques Deposited Return for Other Reasons: INR 200 Per Instance.

Locker Charges

Category A (Small) - INR 2000 Annually
Category C (Med) - INR 3000 Annually
Category F (Large) - INR 5000 Annually

Branch Requests

Any request chargeable at INR 100 per request

Account Closure Charges

Free if closed after 1 year (Charges applicable of INR100 only if closed within a year)

Statements & Alerts

SMS and E-mail alerts: Nil

Important Information:

Charges are exclusive of the Goods and Service Tax (GST)
As per RBI guidelines, Business/Commercial transactions are not permitted in the Savings Accounts
The above charges are subject to revision. Any change of charges will be intimated to the customer within a reasonable period prior to effecting any respective changes, as per Bank’s Policy

Expand All

Priority Business Current Account

Account Opening

Service / Transaction Type	Charges (Excluding GST)	Waivers / Benefits
Account Closure -Indiv/ Joint CASA & Sole Prop CA	₹100 per instance	Free if closed after 1 Year (Charges applicable only if closed within a year)
Account Closure- Partnership & Corporates	₹500 per instance	Free if closed after 1 Year (Charges applicable only if closed within a year)
Charges applicable if Balance below min balance	₹500 monthly (pro-rata)	NA

Cards

Service / Transaction Type	Charges (Excluding GST)	Waivers / Benefits
Instakit Issuance	0
Personalized Card Issuance	0
Debit Card Maintainence Charges	0
Debit Card re-issuance/ Add on Card - Insta Card	0
Debit Card re-issuance/ Add on Card - Personalised	₹100 per instance
Debit card withdrawal transactions at Fincare ATM	₹19 per transaction (beyond free)	15 transactions per month is including transactions of Fincare ATM, non-Fincare ATM, Financial and Non-Financial transactions.
Debit card non-financial transactions at Fincare ATM	₹9 per transaction (beyond free)
Debit card withdrawal transactions at Non-Fincare ATM	₹20 per transaction (beyond free)
Debit card non-financial transactions at Non-Fincare ATM	₹10 per transaction (beyond free)

Cheque

Service / Transaction Type	Charges (Excluding GST)	Waivers / Benefits
CTS Cheques Deposited Return for Insufficient Funds	0
CTS Cheques Deposited Return for other reasons	0
CTS Cheque issued return Insufficiant funds	₹300 per instance
CTS Cheque issued return other reason	₹100 per instance
Instakit Cheque book (25 Leaves / Book)	Free
Instakit Cheque book (100 Leaves / Book)	NA
Issuance/ Reissuance Cheque book (25 Leaves / Book)	₹50 per instance
Issuance/ Reissuance Cheque book (100 Leaves / Book)	NA
Stop Payment per Cheque	₹100 per instance
Stop Payment - Cheque series	₹300 per instance

Alerts & Notifications

Service / Transaction Type	Charges (Excluding GST)	Waivers / Benefits
Subscription for SMS Alerts	0

Cash Transactions

Service / Transaction Type	Charges (Excluding GST)	Waivers / Benefits
Cash deposit transactions (Home & Non Home Branch)	Free
Cash Withdrawal transactions (Home & Non Home Branch)	Free

Cash Transactions charges w.e.f. 01 Jul 2020
Service / Transaction Type	Charges (Excluding GST)	Waivers / Benefits
Cash deposit transactions (Home & Non Home Branch)	After the free limit, Rs. 4 per 1000. Minimum charge of Rs. 50 per instance based on the value	Deposits 10 Txn /10 Lakh -Whichever is earlier
Cash Withdrawal transactions (Home & Non Home Branch)	After the free limit, Rs. 4 per 1000. Minimum charge of Rs. 50 per instance based on the value	Cash Withdrawal- 10 Transactions/Month

Locker charges

Service / Transaction Type	Charges	Waivers / Benefits
Locker charge - Category A (Small)	₹2,000 Annual
Category C (Med)	₹3,000 Annual
Category F (Large)	₹5,000 Annual

Transfers

Service / Transaction Type

Charges (Excluding GST)

Waivers / Benefits

IMPS Transfer

Upto 25000:2.5/TX
25000-1 Lakh:5/TX
1 Lakh-2 Lakh:15/TX

100pm (NEFT, RTGS, IMPS together)

RTGS Transfer

2 Lakh-5 Lakh:17/TX
5 Lakh Above:44/TX

100pm (NEFT, RTGS, IMPS together)

NEFT Transfer

Upto 10000:2.25/TX

10000-1 Lakh:4.75/TX

1 Lakh-2 Lakh:14.75/TX
Above 2 Lakhs:24.75/TX

100pm (NEFT, RTGS, IMPS together)

Note: NEFT initiated through online channels are not chargeable

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Smart Business Current Account

Account Opening

Service / Transaction Type	Charges (Excluding GST)	Waivers / Benefits
Account Closure -Indiv/ Joint CASA & Sole Prop CA	₹100 per instance	Free if closed after 1 Year (Charges applicable only if closed within a year)
Account Closure- Partnership & Corporates	₹500 per instance	Free if closed after 1 Year (Charges applicable only if closed within a year)
Charges applicable if Balance below min balance	₹300 monthly (pro-rata)	NA

Cards

Service / Transaction Type	Charges (Excluding GST)	Waivers / Benefits
Instakit Issuance	₹200 per instance
Personalized Card Issuance	₹200 per instance
Debit Card Maintainence Charges	₹200 Annual	Waived off for first year
Debit Card re-issuance/ Add on Card - Insta Card	₹200 per instance
Debit Card re-issuance/ Add on Card - Personalised	₹200 per instance
Debit card withdrawal transactions at Fincare ATM	₹19 per transaction (beyond free)	12 transactions per month is including transactions of Fincare ATM, non-Fincare ATM, Financial and Non-Financial transactions.
Debit card non-financial transactions at Fincare ATM	₹9 per transaction (beyond free)
Debit card withdrawal transactions at Non-Fincare ATM	₹20 per transaction (beyond free)
Debit card non-financial transactions at Non-Fincare ATM	₹10 per transaction (beyond free)

Cheque

Service / Transaction Type	Charges (Excluding GST)	Waivers / Benefits
CTS Cheques Deposited Return for Insufficient Funds	₹100 per instance
CTS Cheques Deposited Return for other reasons	₹50 per instance
CTS Cheque issued return Insufficiant funds	₹300 per instance
CTS Cheque issued return other reasons	₹100 per instance
Instakit Cheque book (25 Leaves / Book)	Free
Instakit Cheque book (100 Leaves / Book)	NA
Issuance/ Reissuance Cheque book (25 Leaves / Book)	₹50 per instance
Issuance/ Reissuance Cheque book (100 Leaves / Book)	NA
Stop Payment per Cheque	₹100 per instance
Stop Payment - Cheque series	₹300 per instance

Alerts & Notification

Service / Transaction Type	Charges (Excluding GST)	Waivers / Benefits
Subscription for SMS Alerts	₹10 per month

Cash Transactions

Service / Transaction Type	Charges (Excluding GST)	Waivers / Benefits
Cash deposit transactions (home & non home branch)	After the free limit, ₹4 per 1,000. Minimum charge of ₹50 per instance based on the value	Free 4 transactions per month
Cash Withdrawal transactions (home & non home branch)	After the free limit, ₹4 per 1,000. Minimum charge of ₹50 per instance based on the value	Free 4 transactions per month

Cash Transactions charges w.e.f. 01 Jul 2020
Service / Transaction Type	Charges (Excluding GST)	Waivers / Benefits
Cash Deposit Transactions (Home & Non- Home Branch)	After the free limit, Rs. 4 per 1000. Minimum charge of Rs. 50 per instance based on the value	Deposits 4 Transactions/1 Lakh -Whichever is earlier
Cash Withdrawal Transactions (Home & Non- Home Branch)	After the free limit, Rs. 4 per 1000. Minimum charge of Rs. 50 per instance based on the value	Cash Withdrawal- 4 Transactions/Month

Locker Charges

Service / Transaction Type	Charges (Excluding GST)	Waivers / Benefits
Locker charge - Category A (Small)	₹2,000 Annual
Category C (Med)	₹3,000 Annual
Category F (Large)	₹5,000 Annual

Transfers

Service / Transaction Type	Charges (Excluding GST)	Waivers / Benefits
IMPS Transfer	Upto ₹25,000: ₹ 2.5/TX ₹25,001-₹1,00,000: ₹ 5/TX ₹1,00,001-₹2,00,000- ₹15/TX	50pm (NEFT, RTGS, IMPS together)
RTGS Transfer	₹2,00,000-₹5,00,000: ₹17/ TX Above 5 Lakhs: ₹44/TX	50pm (NEFT, RTGS, IMPS together)
NEFT Transfer	Upto 10000: ₹ 2.25/TX ₹10001-₹1,00,000: ₹ 4.75/TX ₹1,00,001-₹2,00,000: ₹ 14.75/TX Above 2 Lakhs: ₹ 24.75/TX	50pm (NEFT, RTGS, IMPS together)

Note: NEFT initiated through online channels are not chargeable

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BSBDA

Account Opening

Service / Transaction Sub Type	Charge Type	Charges (Excluding GST)
Account Closure- Indiv/ Joint CASA & Sole Prop CA	per instance	0

Cards

Service / Transaction Sub Type	Charge Type	Charges (Excluding GST)
Instakit Issuance	Per instance	0
Personalized Card Issuance	Per instance	NA
Debit Card Maintainence Charges	Annual	0
Debit Card re-issuance/ Add on Card - Insta Card	Per instance	0
Debit Card re-issuance/ Add on Card - Personalised	Per instance	NA
Debit card withdrawal transactions at Fincare ATM	Per Transaction (beyond free)	0
Debit card non-financial transactions at Fincare ATM	Per Transaction (beyond free)	0
Debit card withdrawal transactions at Non-Fincare ATM	Per Transaction (beyond free)	0
Debit card non-financial transactions at Non-Fincare ATM	Per Transaction (beyond free)	0

Cheque

Service / Transaction Sub Type	Charge Type	Charges (Excluding GST)
CTS Cheques Deposited Return for Insufficient Funds	Per instance	NIL
CTS Cheques Deposited Return for Other Reasons	Per instance	NIL
CTS Cheque issued return - Insufficient Funds	Per instance	NA
CTS Cheque issued return - Other Reasons	Per instance	NA
Instakit Cheque book (25 Leaves / Book)	Per instance	NA
Instakit Cheque book (100 Leaves / Book)	Per instance	NA
Issuance/ Reissuance Cheque book (25 Leaves / Book)	Per instance	NA
Issuance/ Reissuance Cheque book (100 Leaves / Book)	Per instance	NA
Stop Payment per Cheque	Per instance	NA
Stop Payment - Cheque series	Per instance	NA

Alert & Notifications

Service / Transaction Sub Type	Charge Type	Charges (Excluding GST)
SMS Alerts	Per Month	Nil

Transfers

Service / Transaction Sub Type	Charge Type	Charges (Excluding GST)
IMPS Transfer	Per instance	Nil
RTGS Transfer	Per instance	Nil
NEFT Transfer	Per instance	Nil
DD/PO	Per Instance based on the value of DD	Nil
DD / PO cancellation / Duplicate / Revalidation	Per instance	Nil
ECS Debit Failure	Per instance	Nil

Cash Transactions

Service / Transaction Sub Type	Charge Type	Charges (Excluding GST)
Cash deposit transactions (home & non home branch)	Per Instance based on the value	Nil
Cash withdrawal transactions (home & non home branch)	Per Instance based on the value	Nil

Expand All

Shakti Account

Account Opening

Service / Transaction Sub Type	Charge Type	Charges (Excluding GST)
Account Closure- Indiv/ Joint CASA & Sole Prop CA	Per Instance	Nil
Account Closure- Partnership & Corporates	Per Instance	NA
Charges applicable if Balance below min balance	Monthly(Prorata)	Zero charge

Cards

Service / Transaction Sub Type	Charge Type	Charges (Excluding GST)
Instakit Card Issuance	Per Instance	Rs 250 + GST
Personalized Card Issuance	Per Instance	Custom Image Card- Rs 300 + GST
Debit Card Maintainence Charges	Annual	Rs. 100+ GST
Debit Card re-issuance/ Add on Card - Insta Card	Per Instance	Rs 250 +GST
Debit Card re-issuance/ Add on Card - Personalised	Per Instance	Custom Image Card- Rs 300 + GST
Debit card withdrawal transactions at Fincare ATM	Per Transaction (beyond free)	3 txns per month in metro and 5 txns per month in non metro across own and other bank with limit of Rs 50,000 per day. Max limit per txn is Rs 10,000
Debit card non-financial transactions at Fincare ATM	Per Transaction (beyond free)
Debit card withdrawal transactions at NonFincare ATM	Per Transaction (beyond free)
Debit card non-financial transactions at Non -Fincare ATM	Per Transaction (beyond free)
POS Limits	Per Transaction (beyond free)	Rs 10,000/day

Cheque

Service / Transaction Sub Type	Charge Type	Charges (Excluding GST)
Non-CTS Cheque Deposited	Per Instance	NA
CTS Cheques Deposited Return for Insufficient Funds	Per Instance	NA
CTS Cheques Deposited Return for Other Reasons	Per Instance	NA
Non CTS Cheques Deposited Return for Insufficient Funds	Per Instance	NA
Non CTS Cheques Deposited Return for Other Reasons	Per Instance	NA
CTS Cheque issued return - Insufficient Funds	Per Instance	NA
CTS Cheque issued return - Other Reasons	Per Instance	NA
Instakit Cheque book (25 Leaves / Book)	Per Instance	NA
Instakit Cheque book (100 Leaves / Book)	Per Instance	NA
Issuance/ Reissuance Cheque book (25 Leaves / Book)	Per Instance	NA
Issuance/ Reissuance Cheque book (100 Leaves / Book)	Per Instance	NA
Stop Payment per Cheque	Per Instance	NA
Stop Payment - Cheque series	Per Instance	NA

Alerts & Notifications

Service / Transaction Sub Type	Charge Type	Charges (Excluding GST)
Subscription for SMS Alerts	Per Month	Zero charges

Email Statements

Service / Transaction Sub Type	Charge Type	Charges (Excluding GST)
Subscription for Email Alerts	Per Month	Zero charges

Transfers

Service / Transaction Sub Type	Charge Type	Charges (Excluding GST)
IMPS Transfer	Per Instance	Free 2 Tx /month. After Free limit:- Upto 25000: Rs. 2.5/Tx + GST, 25000-1 Lakh: Rs. 5/Tx + GST, 1 Lakh-2 Lakh- Rs. 15/Tx + GST
RTGS Transfer	Per Instance	Free 2 Tx /month. After Free limit:- 2 Lakh-5 Lakh: Rs. 22/ Tx + GST, 5 Lakh Above: Rs.49/Tx + GST
NEFT Transfer	Per Instance	Free 2 Tx /month. After Free limit:- Upto 10000: Upto 2.5/Tx + GST, 10000-1 Lakh: Rs 5/Tx + GST, 1 Lakh-2 Lakh: Rs 15/Tx + GST, Above 2 Lakhs: Rs 25/Tx + GST

Note: NEFT initiated through online channels are not chargeable

Cash Transactions

Service / Transaction Sub Type	Charge Type	Charges (Excluding GST)
Cash deposit transactions (home & non home branch)	Per Instance based on the value	Free limit of 2 transactions/month, after that Rs 4/1000 + GST (Min Rs. 50)
Cash withdrawal transactions (home & non home branch)	Per Instance based on the value	Free limit of 2 transactions/month, after that Rs 4/1000 + GST (Min Rs. 50)