Schedule of Charges
Choose Your Relevant Product
Smart Saver Savings Account
Priority Savings Account
Prime Savings Account
Priority Plus Savings Account
Pro-Priority Savings Account
Family Savings Program
NRE Savings Account
NRO Savings Account
Imperial Savings Account
TASC Savings Account
BSBDA Savings Account
Shakti Savings Account
101 Virtual
101 Priority Virtual
101First Savings Account
101Priority Savings Account
101Priority Plus Savings Account
Priority Salary Savings Account
Priority Business Current Account
Smart Business Current Account
Loan Against Gold
Loan Against Property
Affordable Housing Loan
Over Draft Against Fixed Deposits
Over Draft Against Property
Two-Wheeler Loan
Institutional Finance
Rural-Loan Against Property
RERA Designated-2
Supply Chain Finance
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Smart Saver Savings Account
Smart Saver Savings 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) |
| Charges applicable if Balance below min balance | ₹50 monthly (pro-rata) | NA |
Cards
| Service / Transaction Sub Type | Charges (Excluding GST) | Waivers / Benefits |
|---|---|---|
| Instakit Issuance | NIL | |
| 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 | ₹20 per transactions (beyond free) | Effective from 1st Jan'22 3 Transaction at Metro (other Banks) ATM, 5 transactions at Fincare ATM, 5 transactions at Non-Metro (other Banks) ATM free per month Inclusive Financials & Non-Financials transactions |
| Debit card non-financial transactions at Fincare ATM | Nil | |
| Debit card withdrawal transactions at Non-Fincare ATM | ₹21 per transaction (beyond free) | |
| Debit card non-financial transactions at Non-Fincare ATM | ₹11 per transaction (beyond free) |
Cheque
| Service / Transaction Sub 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 / NACH return - Insufficient Funds | ₹300 per instance | |
| CTS Cheque issued / NACH 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 |
|---|---|---|
| SMS Alerts | NIL | NIL |
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 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 |
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 | |
| 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 channel are not chargeable
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Priority Savings Account
Priority Savings 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) |
| Charges applicable if Balance below min balance | ₹300 monthly (pro-rata) | NA |
Cards
| Service / Transaction Sub Type | Charges (Excluding GST) | Waivers / Benefits |
|---|---|---|
| Instakit Issuance | NIL | |
| 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 | ₹20 per transaction (beyond free) | Effective from 1st Jan'22 13 Transactions per month is free at Fincare ATM, Non-Metro (other banks) ATM, Metro (other banks) ATM Inclusive Financials & Non-Financials transactions |
| Debit card non-financial transactions at Fincare ATM | Nil | |
| Debit card withdrawal transactions at Non-Fincare ATM | ₹21 per transaction (beyond free) | |
| Debit card non-financial transactions at Non-Fincare ATM | ₹11 per transaction (beyond free) |
Cheque
| Service / Transaction Sub 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 / NACH return - Insufficient Funds | ₹300 per instance | |
| CTS Cheque issued / NACH 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 |
|---|---|---|
| SMS Aletrs | NIL | NIL |
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 | Free 4 transactions per month |
| Cash withdrawal transactions (home & non home branch) | After the free limit, ₹4 per 1,000 |
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 transactions p.m. across IMPS, RTGS & NEFT |
| ₹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 | |
| Above 5 Lakhs: ₹44/TX | ||
| 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 |
*Note : NEFT initiated through online channel are not chargeable
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Priority Plus Savings Account
Priority Plus Savings 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) |
| 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 | ₹20 per transaction (beyond free) | Effective from 1st Jan'22 15 Transactions per month is free at Fincare ATM, Non-Metro (other banks) ATM, Metro (other banks) ATM Inclusive Financials & Non-Financials transactions |
| Debit card non-financial transactions at Fincare ATM | Nil | |
| Debit card withdrawal transactions at Non-Fincare ATM | ₹21 per transaction (beyond free) | |
| Debit card non-financial transactions at Non-Fincare ATM | ₹11 per transaction (beyond free) |
Cheque
| Service / Transaction Sub Type | Charges (Excluding GST) | Waivers / Benefits |
|---|---|---|
| CTS Cheques Deposited Return for Insufficient Funds | Free | |
| CTS Cheques Deposited Return for Other Reasons | Free | |
| CTS Cheque issued / NACH return - Insufficient Funds | ₹300 per instance | |
| CTS Cheque issued / NACH 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 | 1 per quarter |
| 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 p.m. across IMPS, RTGS & NEFT |
| ₹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 | |
| Above 5 Lakhs: ₹44/TX | ||
| 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 |
*Note : NEFT initiated through online channel are not chargeable
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Pro-Priority Savings Account
Pro-Priority Savings Account
Account Opening
| Service / Transaction Type | Charges (Excluding GST) | Waivers / Benefits |
|---|---|---|
| Account Closure Indiv/Joint | ₹100 per instance | Free if closed after 1 Year (Charges applicable only if closed within a year) |
| Charges applicable if Balance below min balance | NA | NA |
Cards
| Service / Transaction Sub Type | Charges (Excluding GST) | Waivers / Benefits |
|---|---|---|
| Instakit Card Issuance | Nil | |
| Personalized Card Issuance | ₹200 per instance | |
| Debit Card Maintainence Charges | ₹200 Annual | Waived off for 1st 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 | ₹20 per transactions (beyond free) | Effective from 1st Jan'22 13 Transactions per month is free at Fincare ATM, Non-Metro (other banks) ATM, Metro (other banks) ATM Inclusive Financials & Non-Financials transactions |
| Debit card non-financial transactions at Fincare ATM | Nil | |
| Debit card withdrawal transactions at NonFincare ATM | ₹21 per transactions (beyond free) | |
| Debit card non-financial transactions at Non - Fincare ATM | ₹11 per transactions (beyond free) |
Cheques
| Service / Transaction Sub 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/NACH Return - Insufficient Funds | ₹300 per instance | |
| CTS Cheque issued return/NACH 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 Alerts | NIL | NIL |
Cash Transactions
| Service / Transaction Sub Type | Charges (Excluding GST) | Waivers / Benefits |
|---|---|---|
| Cash deposit transactions (home & non home branch) | After the free limit, Rs. 4 per 1,000 | Free 4 transactions per month |
| Cash withdrawal transactions (home & non home branch) | After the free limit, Rs. 4 per 1,000 |
Locker Charges
| Service / Transaction Sub Type | Charges | 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 transactions p.m. across IMPS/RTGS & NEFT |
| ₹25,000 - ₹1Lakh : ₹5/TX | ||
| ₹1Lakh - ₹2Lakh : ₹15/TX | ||
| RTGS Transfer | ₹2Lakh - ₹5Lakh : Upto ₹17/ TX | |
| Above ₹5Lakhs : Upto ₹44/TX | ||
| NEFT Transfer* | Upto ₹10000 : Upto ₹2.25/TX | |
| ₹10000 - ₹1Lakh : Upto ₹4.75/TX | ||
| ₹1Lakh - ₹2Lakh : Upto ₹14.75/TX | ||
| Above 2 Lakhs: Upto Rs 24.75/TX |
*Note : NEFT initiated through online channel are not chargeable
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Family Savings Program
Family Savings Program
Charges & Fees
| Service / Transaction Type | Prime Family | Priority Plus Family | Imperial Family |
|---|---|---|---|
| Average monthly balance required at group level* | 50,000 | 1,00,000 | 5,00,000 |
| Charges Applicable if below min balance | ₹400 Monthly (Pro-Rata) | ₹500 Monthly (Pro-Rata) | Nil (To be downgraded post 6 month AMB review) |
*Note: Non-Maintenance charges of average monthly balance will be deducted from primary account holder of the group.
Other fees and charges will be applicable as per schedule of charges for Prime Savings, Priority Plus Savings and Imperial Savings.
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Loan Against Gold
Loan Against Gold
Charges & Fees
| Service / Transaction Type | Charges |
|---|---|
| Processing Fees | 0% to 0.5% + Applicable taxes |
| Foreclosure Charges | Maximum upto Rs 500 /- (if closed within 31 days from the date of disbursement) |
| Renewal Charges | NIL |
| Valuation Charges | NIL |
| Part Payment Charges | NIL |
| Penal Interest | 1% p.m. |
| Stamp Charges | As per applicable laws of the state |
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BSBDA Savings Account
BSBDA Savings Account
Account Opening
| Service / Transaction Sub Type | Charges (Excluding GST) | Waivers/Benefits |
|---|---|---|
| Account Closure- Indiv/ Joint | ₹0 per instance | 0 |
| Charges applicable if Balance below min balance | NA | NA |
Cards
| Service / Transaction Sub Type | Charges (EXCLUDING GST) | Waivers/Benefits |
|---|---|---|
| Instakit Card 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 | ₹0 | |
| Debit card withdrawal transactions at Fincare ATM | ₹20 | 5 pm free Transactions including Fincare, Non-Metro & Metro (Other Bank) |
| Debit card non-financial transactions at Fincare ATM | Nil | |
| Debit card withdrawal transactions at NonFincare ATM | ₹21 | |
| Debit card non-financial transactions at Non -Fincare ATM | ₹11 |
Cheque
| Service / Transaction Sub Type | Charges (Excluding GST) | Waivers/Benefits |
|---|---|---|
| CTS Cheque issued return/NACH Return - Insufficient Funds | ₹0 | |
| CTS Cheque issued return/NACH Return - Other Reasons | ₹0 | |
| Instakit Cheque book (25 Leaves / Book) | NA | |
| Instakit Cheque book (100 Leaves / Book) | NA | |
| Issuance/ Reissuance Cheque book (25 Leaves / Book) | NA | |
| Issuance/ Reissuance Cheque book (100 Leaves / Book) | NA | |
| Stop Payment per Cheque | NA | |
| Stop Payment - Cheque series | NA |
Alert & Notifications
| Service / Transaction Sub Type | Charges (Excluding GST) | Waivers/Benefits |
|---|---|---|
| Subscription for SMS Alerts | ₹0 |
Cash Transactions
| Service / Transaction Sub Type | Charges (Excluding GST) | Waivers/Benefits[ |
|---|---|---|
| Cash deposit transactions (home & non home branch) | ₹0 | |
| Cash withdrawal transactions (home & non home branch) | ₹0 |
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 | |
| 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 channel are not chargeable
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Shakti Savings Account
Shakti Savings 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 (pro-rata) | Zero charge |
Cards
| Service / Transaction Sub Type | Charge Type | Charges (Excluding GST) |
|---|---|---|
| Instakit Card Issuance | Per Instance | ₹280 + GST |
| Personalized Card Issuance | Per Instance | Custom Image Card - ₹300 + GST |
| Debit Card Maintenance Charges | Annual | ₹100+ GST |
| Debit Card re-issuance/ Add on Card - Insta Card | Per Instance | ₹280 +GST |
| Debit Card re-issuance/ Add on Card - Personalised | Per Instance | Custom Image Card - ₹300 + GST |
| Debit card withdrawal transactions at Fincare ATM* | Per Transaction (beyond free) |
Nil |
| Debit card non-financial transactions at Fincare ATM* | Per Transaction (beyond free) |
Nil |
| Debit card withdrawal transactions at Non-Fincare ATM* | Per Transaction (beyond free) |
₹20/- after free transaction |
| Debit card non-financial transactions at Non-Fincare ATM* | Per Transaction (beyond free) |
₹10/- after free transaction |
| POS Limits | Per Transaction (beyond free) |
₹10,000/day |
* 3 txns per month in metro and 5 txns per month in non metro across own and other bank with limit of ₹50,000 per day. Max limit per txn is ₹10,000
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 / NACH return - Insufficient Funds | Per Instance | NA |
| CTS Cheque issued / NACH 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: ₹2.5/Tx + GST, 25000 - 1 Lakh: ₹5/Tx + GST, 1 Lakh - 2 Lakh- ₹15/Tx + GST |
| RTGS Transfer | Per Instance | Free 2 Tx /month. After Free limit:- 2 Lakh - 5 Lakh: ₹22/ Tx + GST, 5 Lakh Above: ₹49/Tx + GST |
| NEFT Transfer | Per Instance | Free 2 Tx /month. After Free limit:- Upto 10000: Upto ₹2.5/Tx + GST, 10000 - 1 Lakh: ₹5/Tx + GST, 1 Lakh - 2 Lakh: ₹15/Tx + GST, Above 2 Lakhs: ₹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 ₹4/1000 + GST (Min ₹50) |
| Cash withdrawal transactions (home & non home branch) | Per Instance based on the value | Free limit of 2 transactions/month, after that ₹4/1000 + GST (Min ₹50) |
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Priority Business Current Account
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 | ₹100 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 | ₹20 per transaction (beyond free) | Effective from 1st Jan'22 15 Transactions per month is free at Fincare ATM, Non-Metro (other banks) ATM, Metro (other banks) ATM Inclusive Financials & Non-Financials transactions |
| Debit card non-financial transactions at Fincare ATM | Nil | |
| Debit card withdrawal transactions at Non-Fincare ATM | ₹21 per transaction (beyond free) | |
| Debit card non-financial transactions at Non-Fincare ATM | ₹11 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 / NACH return - Insufficient Funds | ₹300 per instance | |
| CTS Cheque issued / NACH 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) | NA | |
| Issuance/ Reissuance Cheque book (100 Leaves / Book) | ₹50 per instance | 1 per quarter |
| 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
| 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, ₹4 per 1,000. Minimum charge of ₹50. | 10 Transactions / 10 Lakhs which ever is earlier |
| Cash withdrawal transactions (home & non home branch) | After the free limit, ₹4 per 1,000. Minimum charge of ₹50. | 10 Transactions / 10 Lakhs which ever is earlier |
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 | NIL | unlimited |
| RTGS Transfer | NIL | |
| NEFT Transfer* | NIL |
Note : *Applicable only through online channels.
Expand All
Smart Business Current Account
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 | ₹100 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 | NA | |
| 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 | ₹20 per transaction (beyond free) | Effective from 1st Jan'22 13 Transactions per month is free at Fincare ATM, Non-Metro (other banks) ATM, Metro (other banks) ATM Inclusive Financials & Non-Financials transactions |
| Debit card non-financial transactions at Fincare ATM | Nil | |
| Debit card withdrawal transactions at Non-Fincare ATM | ₹21 per transaction (beyond free) | |
| Debit card non-financial transactions at Non-Fincare ATM | ₹11 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 / NACH return - Insufficient Funds | ₹300 per instance | |
| CTS Cheque issued / NACH 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) | NA | |
| Issuance/ Reissuance Cheque book (100 Leaves / Book) | ₹50 per instance | 1 per Year |
| Stop Payment per Cheque | ₹100 per instance | |
| Stop Payment - Cheque series | ₹300 per instance |
Alerts & Notification
| Service / Transaction Type | Charges (Excluding GST) | Waivers / Benefits |
|---|---|---|
| SMS Alerts | NIL | NIL |
Cash Transactions
| 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, ₹4 per 1000. Minimum charge of ₹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, ₹4 per 1,000. Minimum charge of ₹50. | 4 Transactions / 1 Lakhs which ever is earlier |
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 |
50 transactions p.m. across IMPS, RTGS & NEFT |
| RTGS Transfer | ₹2,00,000-₹5,00,000: ₹17/ TX Above 5 Lakhs: ₹44/TX |
|
| 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 |
Expand All
Loan Against Property
Loan Against Property
Charges & Fees
| Service / Transaction Type | Charges |
|---|---|
| Loan Processing Charges | Maximum of 2% of loan amount + Applicable Taxes |
| Prepayment charges | Within 12 months –
|
|
Partial Pre-Payment Charges (W.e.f. 8th September 2020 – Applicable to all new & existing customers) |
Within 12 months of disbursement:
|
| Default Penal Interest | W.e.f 8th September 2020
Till 7th September 2020
|
| Stamp Duty & other statutory charges | As per applicable laws of the state |
| Cheque / EMI Bounce Charges | W.e.f 8th September 2020
|
| 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.
Expand All
Affordable Housing Loan
Affordable Housing Loan
Charges & Fees
| Service / Transaction Type | Charges |
|---|---|
| Upfront Login Fee | ₹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 ₹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 | ₹250 (plus taxes) |
| Provisional / Duplicate Interest Certificate issuance charges | ₹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 | ₹300 (plus taxes) |
| List of Document (LOD Charges) | ₹500 (plus taxes) |
| Copy of Property Documents Retrieval | ₹1000 (plus taxes) |
| Collection Pickup Charges | ₹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 Fixed Deposits
Over Draft Against Fixed Deposits
Charges & Fees
| Service / Transaction Type | Charges |
|---|---|
| Processing Fee | Nil |
| Margin | 15 %* |
| Spread | 1.5%* |
| Overdrawn Penalty | 2% p.a. on overdrawn value |
| OD closure Charges | Nil |
*Applicable to Retail. Please contact branch for institutional & Bulk cases.
Expand All
Over Draft Against Property
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.
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.
Expand All
Two-Wheeler Loan
Two-Wheeler Loan
Charges & Fees
| Parameters | Cross Sell Loans |
|---|---|
| Rate of Interest | 26.49% |
| Tenure (In Months) | 24/30/36 months |
| Processing fees | ₹1500 + taxes |
| Bounce Charges | ₹300 +taxes |
| Pre-Payment Charges | 4% on Principal Outstanding |
| NACH/PDC Swapping Charges | ₹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 |
Expand All
101First Savings Account
101First Savings Account
Account Opening
| Service / Transaction Type | Charges (Excluding GST) | Waivers / Benefits |
|---|---|---|
| Account Closure - Individual | ₹100 per instance | Free if closed after 1 Year (Charges applicable only if closed within a year) |
| Charges Applicable if Balance below Min Balance | NA | NA |
Cards
| Service / Transaction Sub Type | Charges (Excluding GST) | Waivers / Benefits |
|---|---|---|
| Instakit Issuance | 0 | |
| Personalized Card Issuance | NA | |
| Debit Card Maintainence Charges** | Nil | |
| Debit Card Re-issuance/Add on Card - Insta Card** | ₹200 | |
| Debit Card Re-issuance/Add on Card - personalised** | ₹200 | |
| Debit Card withdrawal transactions at Fincare ATM** | ₹20 Per Transactions (Beyond Free) | 8 Transactions per month is free at Fincare ATM , Non-Metro (Other Banks) ATM, Metro (Other Banks) ATM Inclusive Financial & Non-Financial Transactions. |
| Debit Card Non-Financial transactions at Fincare ATM | Nil | |
| Debit Card withdrawal transactions at Non- Fincare ATM | ₹21 Per Transactions (Beyond Free) | |
| Debit Card Non-Financial transactions at Non-Fincare ATM | ₹11 Per Transactions (Beyond Free) |
**Free Virtual debit card will be issued once the account opened successfully. (Physical debit card can be availed on request at the charge of Rs.249 + GST)
Annual Maintainence charge on debit card will be applicable for Physical debit card only
Cheque
| Service / Transaction Sub 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 - Insufficient Funds | ₹300 per instance | |
| CTS Cheque issued return - Other Reasons | ₹100 per instance | |
| NACH return - Insufficient Funds | ₹300 | |
| NACH return - Other Reasons | ₹100 | |
| 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 | ₹100 per instance |
#Cheque book facility is available for customers who have completed the full KYC.
Alerts & Notifications
| Service / Transaction Sub Type | Charges (Excluding GST) | Waivers / Benefits |
|---|---|---|
| Subscription for SMS Alerts | 0 |
Cash Transactions
| Service / Transaction Sub 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. | No free transactions |
| Cash withdrawal transactions (home & non home branch) | After the free limit, ₹4 per 1,000. Minimum charge of ₹50. | No free transactions |
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 | |
| ₹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 | |
| Above 5 Lakhs: ₹44/TX | ||
| 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 |
*NEFT Transaction through MB & IB should not be charged
Expand All
101Priority Savings Account
101Priority Savings Account
Account Opening
| Service / Transaction Type | Charges (Excluding GST) | Waivers / Benefits |
|---|---|---|
| Account Closure - Individual | ₹100 per instance | Free if closed after 1 Year (Charges applicable only if closed within a year) |
| Charges Applicable if Balance below Min Balance | ₹300 prorata of shortfall of ₹10K |
MAB waiver, if FD value amount >= ₹20k* |
*MAB waiver is applicable June 2022 onwards subject to FD value is >=20k
Cards
| Service / Transaction Sub Type | Charges (Excluding GST) | Waivers / Benefits |
|---|---|---|
| Instakit Issuance | 0 | |
| Personalized Card Issuance | Nil* | |
| Debit Card Maintainence Charges** | Nil | |
| Debit Card Re-issuance/Add on Card - Insta Card** | ₹200 | |
| Debit Card Re-issuance/Add on Card - personalised** | ₹200 | |
| Debit Card withdrawal transactions at Fincare ATM** | ₹20 Per Transactions (Beyond Free) | 12 Transactions per month is free at Fincare ATM , Non-Metro (Other Banks) ATM, Metro (Other Banks) ATM Inclusive Financial & Non-Financial Transactions. |
| Debit Card Non-Financial transactions at Fincare ATM | Nil | |
| Debit Card withdrawal transactions at Non- Fincare ATM | ₹21 Per Transactions (Beyond Free) | |
| Debit Card Non-Financial transactions at Non-Fincare ATM | ₹11 Per Transactions (Beyond Free) |
Cheque
| Service / Transaction Sub 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 - Insufficient Funds | ₹300 per instance | 1 Per month |
| CTS Cheque issued return - Other Reasons | ₹100 per instance | 1 Per month |
| NACH return - Insufficient Funds | ₹300 | |
| NACH return - Other Reasons | ₹100 | |
| Instakit Cheque book (25 Leaves / Book# | NA | |
| Instakit Cheque book (100 Leaves / Book) | NA | |
| Issuance/ Reissuance Cheque book (25 Leaves / Book) | 1 Free Per Year Subsequent Chargeable ₹50 Per Instance |
1 free per Year |
| Issuance/ Reissuance Cheque book (100 Leaves / Book) | NA | |
| Stop Payment per Cheque | 0 | 1 Per month |
| Stop Payment - Cheque series | 0 | 1 Per month |
#Cheque book facility is available for customers who have completed the full KYC.
Alerts & Notifications
| Service / Transaction Sub Type | Charges (Excluding GST) | Waivers / Benefits |
|---|---|---|
| Subscription for SMS Alerts | 0 |
Cash Transactions
| Service / Transaction Sub 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. | No free transactions |
| Cash withdrawal transactions (home & non home branch) | After the free limit, ₹4 per 1,000. Minimum charge of ₹50. | No free transactions |
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 | |
| Above ₹5 Lakhs: ₹44/TX | ||
| 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 |
*NEFT Transaction through MB & IB should not be charged
Expand All
101Priority Plus Savings Account
101Priority Plus Savings Account
Account Opening
| Service / Transaction Type | Charges (Excluding GST) | Waivers / Benefits |
|---|---|---|
| Account Closure - Individual | ₹100 per instance | Free if closed after 1 Year (Charges applicable only if closed within a year) |
| Charges Applicable if Balance below Min Balance | ₹300 prorata of shortfall of 25K |
MAB waiver, if FD value amount >= ₹50k* |
*(MAB waiver is applicable June 2022 onwards subject to FD value is >=50k
Cards
| Service / Transaction Sub Type | Charges (Excluding GST) | Waivers / Benefits |
|---|---|---|
| Instakit Issuance | 0 | |
| Personalized Card Issuance | Nil* | |
| Debit Card Maintainence Charges** | Nil | |
| Debit Card Re-issuance/Add on Card - Insta Card** | ₹200 | |
| Debit Card Re-issuance/Add on Card - personalised** | ₹200 | |
| Debit Card withdrawal transactions at Fincare ATM** | ₹20 Per Transactions (Beyond Free) | 15 Transactions per month is free at Fincare ATM , Non-Metro (Other Banks) ATM, Metro (Other Banks) ATM Inclusive Financial & Non-Financial Transactions. |
| Debit Card Non-Financial transactions at Fincare ATM | Nil | |
| Debit Card withdrawal transactions at Non- Fincare ATM | ₹21 Per Transactions (Beyond Free) | |
| Debit Card Non-Financial transactions at Non-Fincare ATM | ₹11 Per Transactions (Beyond Free) |
Cheque
| Service / Transaction Sub 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 - Insufficient Funds | ₹300 per instance | 1 Per month |
| CTS Cheque issued return - Other Reasons | ₹100 per instance | 1 Per month |
| NACH return - Insufficient Funds | ₹300 | |
| NACH return - Other Reasons | ₹100 | |
| Instakit Cheque book (25 Leaves / Book# | NA | |
| Instakit Cheque book (100 Leaves / Book) | NA | |
| Issuance/ Reissuance Cheque book (25 Leaves / Book) | 1 Free Per Quarter Subsequent Chargeable ₹50 Per Instance |
1 free per quarter |
| Issuance/ Reissuance Cheque book (100 Leaves / Book) | NA | |
| Stop Payment per Cheque | 0 | 1 Per month |
| Stop Payment - Cheque series | 0 | 1 Per month |
#Cheque book facility is available for customers who have completed the full KYC.
Alerts & Notifications
| Service / Transaction Sub Type | Charges (Excluding GST) | Waivers / Benefits |
|---|---|---|
| Subscription for SMS Alerts | 0 |
Cash Transactions
| Service / Transaction Sub 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. | No free transactions |
| Cash withdrawal transactions (home & non home branch) | After the free limit, ₹4 per 1,000. Minimum charge of ₹50. | No free transactions |
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 | |
| Above ₹5 Lakhs: ₹44/TX | ||
| 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 |
*NEFT Transaction through MB & IB should not be charged
Expand All
Prime Savings Account
Prime Savings Account
Account Opening
| Service / Transaction Type | Charges (Excluding GST) | Waivers / Benefits |
|---|---|---|
| Account Closure Indiv/Joint | ₹100 per instance | Free if closed after 1 Year (Charges applicable only if closed within a year) |
| Charges applicable if Balance below min balance | ₹400 Monthly (Pro-rata) | NA |
Cards
| Service / Transaction Sub Type | Charges (Excluding GST) | Waivers / Benefits |
|---|---|---|
| Instakit Card Issuance | Nil | |
| Personalized Card Issuance | ₹200 per instance | |
| Debit Card Maintainence Charges | ₹200 Annual | Waived off for 1st 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 | ₹20 per transactions (beyond free) | Effective from 1st Jan'22 15 Transactions per month is free at Fincare ATM, Non-Metro (other banks) ATM, Metro (other banks) ATM Inclusive Financials & Non-Financials transactions |
| Debit card non-financial transactions at Fincare ATM | Nil | |
| Debit card withdrawal transactions at NonFincare ATM | ₹21 per transactions (beyond free) | |
| Debit card non-financial transactions at Non - Fincare ATM | ₹11 per transactions (beyond free) |
Cheques
| Service / Transaction Sub 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/NACH Return - Insufficient Funds | ₹300 per instance | |
| CTS Cheque issued return/NACH Return - Other Reasons | ₹100 per instance | |
| Instakit Cheque book (25 Leaves / Book) | ₹0 Per Instance | |
| 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 Alerts | ₹0 |
Cash Transactions
| Service / Transaction Sub Type | Charges (Excluding GST) | Waivers / Benefits |
|---|---|---|
| Cash deposit transactions (home & non home branch) | After 10 Transactions, ₹4 per 1,000 per instance based on value | 10 transactions per month |
| Cash withdrawal transactions (home & non home branch) |
Locker Charges
| Service / Transaction Sub Type | Charges | 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 | 75 transactions p.m. across IMPS,NEFT & RTGS |
| ₹25,000 - ₹1Lakh : ₹5/TX | ||
| ₹1Lakh - ₹2Lakh : ₹15/TX | ||
| RTGS Transfer | ₹2Lakh - ₹5Lakh : Upto ₹17/ TX | |
| Above ₹5Lakhs : Upto ₹44/TX | ||
| NEFT Transfer* | Upto ₹10000 : Upto ₹2.25/TX | |
| ₹10000 - ₹1Lakh : Upto ₹4.75/TX | ||
| ₹1Lakh - ₹2Lakh : Upto ₹14.75/TX | ||
| Above ₹2Lakhs : Upto ₹24.75/TX |
*Note : NEFT initiated through online channels are not chargeable
Expand All
NRE Savings Account
NRE Savings Account
Account Opening
| Service / Transaction Type | Charges (Excluding GST) | Waivers / Benefits |
|---|---|---|
| Account Closure | ₹100 per instance | NA |
| Charges applicable if Balance below min balance | NA | NA |
Cards
| Service / Transaction Sub Type | Charges (Excluding GST) | Waivers / Benefits |
|---|---|---|
| Instakit Card Issuance | Nil | |
| Personalized Card Issuance | ₹200 per instance | |
| Debit Card Maintainence Charges | ₹200 Annual | Waived off for 1st 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 | Nil | Unlimited Txn free |
| Debit card non-financial transactions at Fincare ATM | Nil | |
| Debit card withdrawal transactions at NonFincare ATM | Nil | |
| Debit card non-financial transactions at Non -Fincare ATM | Nil | |
| International Financial Transaction | ₹140 (beyond free) | No free Transactions |
| International Non- Financial Transaction | ₹25 (beyond free) |
Cheques
| Service / Transaction Sub 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/NACH Return - Insufficient Funds | ₹300 per instance | |
| CTS Cheque issued return/NACH 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 Alerts | Nil |
Cash Transactions
| Service / Transaction Sub Type | Charges (Excluding GST) | Waivers / Benefits |
|---|---|---|
| Cash deposit transactions (home & non home branch) | NA | Unlimited |
| Cash withdrawal transactions (home & non home branch) | NA | Unlimited |
Locker Charges
| Service / Transaction Sub Type | Charges | 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 transactions p.m. across IMPS/RTGS & NEFT |
| ₹25,000 - ₹1Lakh : ₹5/TX | ||
| ₹1Lakh - ₹2Lakh : ₹15/TX | ||
| RTGS Transfer | ₹2Lakh - ₹5Lakh : Upto ₹17/ TX | |
| Above ₹5Lakhs : Upto ₹44/TX | ||
| NEFT Transfer* | Upto ₹10000 : Upto ₹2.25/TX | |
| ₹10000 - ₹1Lakh : Upto ₹4.75/TX | ||
| ₹1Lakh - ₹2Lakh : Upto ₹14.75/TX | ||
| Above ₹2Lakhs : Upto ₹24.75/TX |
*Note : NEFT initiated through online channel are not chargeable
Expand All
NRO Savings Account
NRO Savings Account
Account Opening
| Service / Transaction Type | Charges (Excluding GST) | Waivers / Benefits |
|---|---|---|
| Account Closure | ₹100 per instance | NA |
| Charges applicable if Balance below min balance | NA | NA |
Cards
| Service / Transaction Sub Type | Charges (Excluding GST) | Waivers / Benefits |
|---|---|---|
| Instakit Card Issuance | Nil | |
| Personalized Card Issuance | ₹200 per instance | |
| Debit Card Maintainence Charges | ₹200 Annual | Waived off for 1st 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 | Nil | Unlimited Txn free |
| Debit card non-financial transactions at Fincare ATM | Nil | |
| Debit card withdrawal transactions at NonFincare ATM | Nil | |
| Debit card non-financial transactions at Non - Fincare ATM | Nil | |
| International Financial Transaction | NA | No free Transactions |
| International Non- Financial Transaction | NA |
Cheques
| Service / Transaction Sub 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/NACH Return - Insufficient Funds | ₹300 per instance | |
| CTS Cheque issued return/NACH 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 Alerts | Nil |
Cash Transactions
| Service / Transaction Sub Type | Charges (Excluding GST) | Waivers / Benefits |
|---|---|---|
| Cash deposit transactions (home & non home branch) | NA | Unlimited |
| Cash withdrawal transactions (home & non home branch) | NA | Unlimited |
Locker Charges
| Service / Transaction Sub Type | Charges | Waivers / Benefits |
|---|---|---|
| Locker Charge - Category A (Small ) | ₹2000 Annual | |
| Category C (Medium) | ₹3000 Annual | |
| Category F (Large) | ₹5000 Annual |
Transfers
| Service / Transaction Sub Type | Charges (Excluding GST) | Waivers / Benefits |
|---|---|---|
| IMPS Transfer | (Upto ₹25,000 : ₹2.5/TX | ₹50 transactions p.m. across IMPS/RTGS & NEFT |
| ₹25,000 - ₹1Lakh : ₹5/TX | ||
| ₹1Lakh - ₹2Lakh : ₹15/TX) | ||
| RTGS Transfer | ₹2Lakh - ₹5Lakh : Upto ₹17/ TX | |
| ₹5Lakhs Above : Upto ₹44/TX | ||
| NEFT Transfer* | Upto ₹10000 : Upto ₹2.25/TX | |
| ₹10000 - ₹1Lakh : Upto ₹4.75/TX | ||
| ₹1Lakh - ₹2Lakh : Upto ₹14.75/TX | ||
| Above ₹2Lakhs : Upto ₹24.75/TX |
*Note : NEFT initiated through online channel are not chargeable
Expand All
Imperial Savings Account
Imperial Savings Account
Account Opening
| Service / Transaction Sub Type | Charges (Excluding GST) | Waivers / Benefits |
|---|---|---|
| Account Closure- Indiv/ Joint | ₹0 Per Instance | Free Closure |
| Charges applicable if Balance below min balance | NA* *(MAB to be reviewed every 6 month & Account will be downgraded to lower variant of savings account on the non-maintenance of monthly average balance criteria) |
- |
Cards
| Service / Transaction Sub Type | Charges (Excluding GST) | Waivers / Benefits |
|---|---|---|
| Instakit Card Issuance | Nil | |
| 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 | ₹0 | |
| Debit card withdrawal transactions at Fincare ATM | ₹0 | Unlimited |
| Debit card non-financial transactions at Fincare ATM | ₹0 | |
| Debit card withdrawal transactions at NonFincare ATM | ₹0 | |
| Debit card non-financial transactions at Non - Fincare ATM | ₹0 |
Cheques
| Service / Transaction Sub Type | Charges (Excluding GST) | Waivers / Benefits |
|---|---|---|
| CTS Cheques Deposited Return for Insufficient Funds | ₹0 per instance | |
| CTS Cheques Deposited Return for Other Reasons | ₹0 per instance | |
| CTS Cheque issued return/NACH Return - Insufficient Funds | ₹300 per instance | |
| CTS Cheque issued return/NACH 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) | ₹0 per instance | |
| Issuance/ Reissuance Cheque book (100 Leaves / Book) | NA | |
| Stop Payment per Cheque | ₹0 | |
| Stop Payment - Cheque series | ₹0 |
Alerts & Notifications
| Service / Transaction Sub Type | Charges (Excluding GST) | Waivers / Benefits |
|---|---|---|
| Subscription for SMS Alerts | ₹0 |
Cash Transactions
| Service / Transaction Sub Type | Charges (Excluding GST) | Waivers / Benefits |
|---|---|---|
| Cash deposit transactions (home & non home branch) | NIL | Unlimited |
| Cash withdrawal transactions (home & non home branch) | NIL |
Locker Charges
| Service / Transaction Sub Type | Charges | Waivers / Benefits |
|---|---|---|
| Locker Charge - Category A (Small ) | ₹2000 Annual | |
| Category C (Medium) | ₹3000 Annual | |
| Category F (Large) | ₹5000 Annual |
Transfers
| Service / Transaction Sub Type | Charges (Excluding GST) | Waivers / Benefits |
|---|---|---|
| IMPS Transfer | NIL | Unlimited |
| RTGS Transfer | NIL | |
| NEFT Transfer* | NIL |
*Note : NEFT initiated through online channel are not chargeable
Expand All
TASC Savings Account
TASC Savings Account
Account Opening
| Service / Transaction Sub 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 - prorata) | NA |
Cards
| Service / Transaction Sub Type | Charges (Excluding GST) | Waivers / Benefits |
|---|---|---|
| Instakit Card Issuance | NA | NA |
| Personalized Card Issuance | NA | |
| Debit Card Maintainence Charges | NA | |
| Debit Card re-issuance/ Add on Card - Insta Card | NA | |
| Debit Card re-issuance/ Add on Card - Personalised | NA | |
| Debit card withdrawal transactions at Fincare ATM | NA | |
| Debit card non-financial transactions at Fincare ATM | NA | |
| Debit card withdrawal transactions at NonFincare ATM | NA | |
| Debit card non-financial transactions at Non - Fincare ATM | NA |
Cheques
| Service / Transaction Sub Type | Charges (Excluding GST) | Waivers / Benefits |
|---|---|---|
| CTS Cheques Deposited Return for Insufficient Funds | ₹100 per instance | |
| CTS Cheques Deposited Return for Other Reasons | ₹100 per instance | |
| CTS Cheque issued return/NACH Return - Insufficient Funds | ₹300 per instance | |
| CTS Cheque issued return/NACH 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) | NA | |
| Issuance/ Reissuance Cheque book (100 Leaves / Book) | ₹100 per instance | |
| 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 Alerts | ₹0 |
Cash Transactions
| Service / Transaction Sub Type | Charges (Excluding GST) | Waivers / Benefits |
|---|---|---|
| Cash deposit transactions (home & non home branch) | Free | Unlimited |
| Cash withdrawal transactions (home & non home branch) | Free | Unlimited |
Locker Charges
| Service / Transaction Sub Type | Charges | Waivers / Benefits |
|---|---|---|
| Locker Charge - Category A (Small ) | ₹2000 Annual | |
| Category C (Medium) | ₹3000 Annual | |
| Category F (Large) | ₹5000 Annual |
Transfers
| Service / Transaction Sub Type | Charges (Excluding GST) | Waivers / Benefits |
|---|---|---|
| IMPS Transfer | (Upto ₹25,000 : ₹2.5/TX | 100 transactions p.m. (NEFT, RTGS, IMPS together) |
| ₹25,000 - ₹1Lakh : ₹5/TX | ||
| ₹1Lakh - ₹2Lakh : ₹15/TX) | ||
| RTGS Transfer | ₹2Lakh - ₹5Lakh : Upto ₹17/ TX | |
| ₹5Lakhs Above : Upto ₹44/TX | ||
| NEFT Transfer* | Upto ₹10000 : Upto ₹2.25/TX | |
| ₹10000 - ₹1Lakh : Upto ₹4.75/TX | ||
| ₹1Lakh - ₹2Lakh : Upto ₹14.75/TX | ||
| Above ₹2Lakhs : Upto ₹24.75/TX |
*Note : NEFT initiated through online channel are not chargeable
Expand All
Institutional Finance
Institutional Finance
Charges & Fees
| SERVICE/TRANSACTION TYPE | CHARGES |
|---|---|
| Rate of Interest | 10 year G-Sec's most recent 3 months' daily average yield + Spread ranging from 3% to 10%. G-Sec yield is subject to quarterly resets. |
| Processing fees | Up to 1% of sanctioned loan amount + Applicable taxes |
| Foreclosure charges | Up to 4% of outstanding loan amount + Applicable taxes |
| Documentation charges | Up to Rs. 25,000/ + Applicable taxes |
| Default penal interest | 2% per month on overdue amount |
| Stamp duty & other statutory charges | As per applicable laws of the State |
| Inspection/audit of book debts charges | Up to Rs. 25,000/ + Applicable taxes |
| Breach of covenants charges | 2% per month on principal outstanding, till breach continues |
Note: The Bank reserves the right to vary any of the above charges from time to time with due intimation to the customer. Revised charges would be communicated to the customer through Bank's website and/or through any other acceptable modes of communication.
Expand All
Priority Salary Savings Account
Priority Salary Savings Account
Account Opening
| Service / Transaction Type | Charges (Excluding GST) | Waivers / Benefits |
|---|---|---|
| Account Closure- Indiv/ Joint | ₹100 per instance | Free if closed after 1 Year (Charges applicable only if closed within a year) |
| Charges applicable if Balance below min balance | NA | NA |
Cards
| Service / Transaction Sub Type | Charges (Excluding GST) | Waivers / Benefits |
|---|---|---|
| Instakit Issuance | NIL | |
| 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 | ₹20 per transaction (beyond free) | Effective from 1st Jan'22 13 pm free Transactions including Fincare, Non-Metro & Metro (Other Bank) |
| Debit card non-financial transactions at Fincare ATM | NIL | |
| Debit card withdrawal transactions at Non-Fincare ATM | ₹21 per transaction (beyond free) | |
| Debit card non-financial transactions at Non -Fincare ATM | ₹11 per transaction (beyond free) |
Cheques
| Service / Transaction Sub 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/NACH Return - Insufficient Funds | ₹300 per instance | |
| CTS Cheque issued return//NACH 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 Alerts | NIL | NIL |
Cash Transactions
| Service / Transaction Sub Type | Charges (Excluding GST) | Waivers / Benefits |
|---|---|---|
| Cash deposit transactions (home & non home branch) | After the free limit, ₹4 per ₹1,000 | Free 4 transactions per month |
| Cash withdrawal transactions (home & non home branch) | After the free limit, ₹4 per ₹1,000 |
Locker Charges
| Service / Transaction Sub Type | Charges (Excluding GST) | Waivers / Benefits |
|---|---|---|
| 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 | 50 pm (NEFT, RTGS, IMPS together) |
| ₹25,000 - ₹1 Lakh : ₹5/TX | ||
| ₹1 Lakh - ₹2 Lakhs : ₹15/TX | ||
| RTGS Transfer | ₹2 Lakhs - ₹5 Lakhs : Up to ₹17/TX | |
| ₹5 Lakhs Above : Up to ₹44/TX | ||
| NEFT Transfer* | Up to ₹10,000 : Up to ₹2.25/TX | |
| ₹10,000 - ₹1 Lakh : Up to ₹4.75/TX | ||
| ₹1 Lakh - ₹2 Lakhs : Up to ₹14.75/TX | ||
| Above ₹2 Lakhs : Up to ₹24.75/TX |
*Note : NEFT initiated through online channel are not chargeable
Expand All
Rural-Loan Against Property
Rural-Loan Against Property
Charges & Fees
| SERVICE/TRANSACTION TYPE | CHARGES |
|---|---|
| Rate of interest | 24.49% |
| Tenure (In Months) | 30/36/42/48 months |
| Processing fees | 2% of the loan amount + GST |
| Legal / Technical Fees | As per actuals |
| Bounce Charges | ₹300 +GST |
| Pre-Payment Charges | 4% on Principal Outstanding |
| NACH/PDC Swapping Charges | ₹250+GST |
| Late Payment Charges | 2% per month on unpaid EMI |
| Duplicate Amortization Schedule Charges | 100 |
| NOC Charges | Free 1st time, then Rs 250 per instance |
Expand All
101 Virtual
101 Virtual
Account Opening
| Service / Transaction Type | Charges (Excluding GST) | Waivers / Benefits |
|---|---|---|
| Account Closure - Individual | ₹100 | Free if closed after 1 Year (Charges applicable only if closed within a year) |
| Charges Applicable if Balance below Min Balance | NA |
Cards
| Service / Transaction Type | Charges (Excluding GST) | Waivers / Benefits |
|---|---|---|
| Instakit Issuance | 0 | |
| Personalised Card Issuance | NA | |
| Debit Card Maintainence Charges** | 0 | Virtual card is free |
| Debit Card Re-issuance/Add on Card - Insta Card** | ₹200 | |
| Debit Card Re-issuance/Add on Card - personalised** | ₹200 | |
| Debit Card withdrawal transactions at Fincare ATM** | ₹20 Per Transactions (Beyond Free) | 8 Transactions per month is free at Fincare ATM , Non-Metro (Other Banks) ATM, Metro (Other Banks) ATM Inclusive Financial & Non-Financial Transactions. |
| Debit Card Non-Financial transactions at Fincare ATM | Nil | |
| Debit Card withdrawal transactions at Non- Fincare ATM | ₹21 Per Transactions (Beyond Free) | |
| Debit Card Non-Financial transactions at Non-Fincare ATM | ₹11 Per Transactions (Beyond Free) | |
| **Free Virtual debit card will be issued once the account opened successfully. (Physical debit card can be availed on request at the charge of ₹249 + GST) Annual Maintainence charge on debit card will be applicable for Physical debit card only |
||
Cheque
| Service / Transaction 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 | |
| CTS Cheques Deposited Return for Other Reasons | ₹50 | |
| Non CTS Cheques Deposited Return for Insufficient Funds | ₹500 | |
| Non CTS Cheques Deposited Return for Other Reasons | ₹200 | |
| CTS Cheque issued return - Insufficient Funds | ₹300 | |
| CTS Cheque issued return - Other Reasons | ₹100 | |
| Instakit Cheque book (25 Leaves / Book#) | NA | |
| Instakit Cheque book (100 Leaves / Book) | NA | |
| Issuance/ Reissuance Cheque book (25 Leaves / Book) | ₹50 | |
| Issuance/ Reissuance Cheque book (100 Leaves / Book) | NA | |
| Stop Payment per Cheque | ₹100 | |
| Stop Payment - Cheque series | ₹100 | |
| #Cheque book facility would be available only for customer who have completed Full KYC. Please complete FULL kyc for cheque facility | ||
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) | After the free limit, ₹4 per 1,000. Minimum charge of ₹50. | No free transactions |
| Cash withdrawal transactions (home & non home branch) | After the free limit, ₹4 per 1,000. Minimum charge of ₹50. | No free transactions |
Locker Charges
| Service / Transaction Type | Charges (Excluding GST) | Waivers / Benefits |
|---|---|---|
| Locker Charge - Category A (Small ) | ₹2000 | |
| Category C (Med) | ₹3000 | |
| Category F (Large) | ₹5000 |
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) |
|
| RTGS Transfer | ( ₹2 Lakh - ₹5 Lakh: Up to ₹17/ TX ₹5 Lakh Above: Upto ₹44/TX) |
|
| NEFT Transfer | 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 |
|
| *NEFT Transaction through MB & IB should not be charged | ||
Expand All
101 Priority Virtual
101 Priority Virtual
Account Opening
| Service / Transaction Type | Charges (Excluding GST) | Waivers / Benefits |
|---|---|---|
| Account Closure - Individual | ₹100 | Free if closed after 1 Year (Charges applicable only if closed within a year) |
| Charges Applicable if Balance below Min Balance | ₹300 prorata of shortfall of ₹25K |
NA |
Cards
| Service / Transaction Type | Charges (Excluding GST) | Waivers / Benefits |
|---|---|---|
| Instakit Issuance | 0 | |
| Personalised Card Issuance | NA | |
| Debit Card Maintainence Charges** | 0 | Virtual card is free |
| Debit Card Re-issuance/Add on Card - Insta Card** | ₹200 | |
| Debit Card Re-issuance/Add on Card - personalised** | ₹200 | |
| Debit Card withdrawal transactions at Fincare ATM** | ₹20 Per Transactions (Beyond Free) | 12 Transactions per month is free at Fincare ATM , Non-Metro (Other Banks) ATM, Metro (Other Banks) ATM Inclusive Financial & Non-Financial Transactions. |
| Debit Card Non-Financial transactions at Fincare ATM | Nil | |
| Debit Card withdrawal transactions at Non- Fincare ATM | ₹21 Per Transactions (Beyond Free) | |
| Debit Card Non-Financial transactions at Non-Fincare ATM | ₹11 Per Transactions (Beyond Free) | |
| **Free Virtual debit card will be issued once the account opened successfully. (Physical debit card can be availed on request at the charge of Rs.499 + GST) Annual Maintainence charge on debit card will be applicable for Physical debit card only |
||
Cheque
| Service / Transaction 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 | |
| CTS Cheques Deposited Return for Other Reasons | ₹50 | |
| Non CTS Cheques Deposited Return for Insufficient Funds | ₹500 | |
| Non CTS Cheques Deposited Return for Other Reasons | ₹200 | |
| CTS Cheque issued return - Insufficient Funds | ₹300 | 1pm |
| CTS Cheque issued return - Other Reasons | ₹100 | 1pm |
| Instakit Cheque book (25 Leaves / Book#) | NA | |
| Instakit Cheque book (100 Leaves / Book) | NA | |
| Issuance/ Reissuance Cheque book (25 Leaves / Book) | 1 free per quarter subsequent chargeable ₹50 per instance | 1 free per quarter |
| Issuance/ Reissuance Cheque book (100 Leaves / Book) | NA | |
| Stop Payment per Cheque | ₹100 | 1pm |
| Stop Payment - Cheque series | ₹100 | 1pm |
| #Cheque book facility would be available only for customer who have completed Full KYC. Please complete FULL kyc for cheque facility | ||
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) | After the free limit, ₹4 per 1,000. Minimum charge of ₹50. | No free transactions |
| Cash withdrawal transactions (home & non home branch) | After the free limit, ₹4 per 1,000. Minimum charge of ₹50. | No free transactions |
Locker Charges
| Service / Transaction Type | Charges (Excluding GST) | Waivers / Benefits |
|---|---|---|
| Locker Charge - Category A (Small ) | ₹2000 | |
| Category C (Med) | ₹3000 | |
| Category F (Large) | ₹5000 |
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) |
50pm (NEFT, RTGS, IMPS together) |
| RTGS Transfer | (₹2 Lakh - ₹5 Lakh: Up to ₹17/ TX ₹5 Lakh Above: Upto ₹44/TX) |
|
| NEFT Transfer | 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 |
|
| *NEFT Transaction through MB & IB should not be charged | ||
Expand All
RERA Designated-2
RERA Designated-2
Account Opening
| Service / Transaction Type | Charges (Excluding GST) | Waivers / Benefits |
|---|---|---|
| Account Closure Indiv/Joint | Nil | Waived off |
| Account Closure- Partnership & Corporates | Nil | Waived off |
| Charges applicable if Balance below min balance | Nil Monthly (Pro-rata) | NA |
Cards
| Service / Transaction Type | Charges (Excluding GST) | Waivers / Benefits |
|---|---|---|
| Instakit Card Issuance | NA | |
| Personalized Card Issuance | 0 | |
| Debit Card Maintainence Charges | 0 | Free |
| 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 | ₹20 per transactions (beyond free ) | Effective from 1st Jan'22 15 Transactions per month is free at Fincare ATM, Non-Metro (other banks) ATM, Metro ( other banks) ATM inclusive Financials & Non-Financials transactions |
| Debit card non-financial transactions at Fincare ATM | Free | |
| Debit card withdrawal transactions at NonFincare ATM | ₹21 per transactions (beyond free ) | |
| Debit card non-financial transactions at Non - Fincare ATM | ₹21 per transactions (beyond free ) |
Cheques
| Service / Transaction Type | Charges (Excluding GST) | Waivers / Benefits |
|---|---|---|
| CTS Cheque issued return/NACH Return - Insufficient Funds | ₹300 Per Instance | |
| CTS Cheque issued return/NACH 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) | NA | |
| Issuance/ Reissuance Cheque book (100 Leaves / Book) | ₹50 Per Instance | 1 per quarter |
| 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) | After the free limit, ₹4 per 1,000. Minimum Charge of ₹50 | 10 Transaction /10 Lakhs which ever is earlier |
| Cash withdrawal transactions (home & non home branch) | After the free limit, ₹4 per 1,000. Minimum Charge of ₹50 | 10 Transaction /10 Lakhs which ever is earlier |
Transfers
| Service / Transaction Type | Charges (Excluding GST) | Waivers / Benefits |
|---|---|---|
| IMPS Transfer | Free | Unlimited |
| RTGS Transfer | Free | |
| NEFT Transfer* | Free |
Expand All
Supply Chain Finance
Supply Chain Finance
Charges & Fees
| SERVICE/TRANSACTION TYPE | CHARGES |
|---|---|
| Interest Rate | 11% – 20% p.a. |
| Credit Period | 30 – 120 days |
| Loan Processing Charges | Upto 3% of the sanction limit |
| Penal Interest Rate | Upto 3% per month (Applicable on the due amount for delayed period of 7 days for interest servicing and no grace for principal repayment) |
| Prepayment Charges | NIL |
| Partial Prepayment Charges | NIL |
| Stamp Duty Charges | Applicable as per State laws |
| Cheque/EMI Bounce Charges | Upto ₹ 500/- per instance |
| Loan Cancellation (within 7 days from the date of disbursement) | NIL, MoDTD & other charges to be borne by the applicant |
| Foreclosure charges | Upto 4% of the Sanction Limit if the Credit Facility is closed within one year |
| Documentation Charges | Upto ₹ 25,000/- |
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.