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Schedule of Charges

Choose Your Relevant Product
Smart Saver
Priority Account
Prime Savings Account
Priority Plus Account
Pro-Priority Account
Loan Against Gold
Loan Against Property
Affordable Housing Loan
Over Draft Against Fixed Deposits
Over Draft Against Property
Two-Wheeler Loan
101First
101Priority
Priority Business Current Account
Smart Business Current Account
BSBDA
Shakti Account
Expand All
Smart Saver
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 Nil
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 / 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
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  
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
Expand All
Priority Account
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 Nil
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 / 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
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)
Above 5 Lakhs: ₹44/TX
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
Expand All
Priority Plus Account
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 Nil
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 / 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
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)
Above 5 Lakhs: ₹44/TX
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
Expand All
Pro-Priority Account
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) Nil -
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 / NACH return - Insufficient Funds Per Instance ₹300 -
CTS Cheque issued / NACH 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
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
Expand All
Loan Against Gold
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
Expand All
Loan Against Property
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.

Expand All
Affordable Housing Loan
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 Fixed Deposits
Over Draft Against Fixed Deposits
Cards
Service/Transaction Sub Type Charge Type Charges (Excluding GST) Waivers / Free Tx Benefits
Personalized Card Issuance Per Instance ₹200  
Debit Card Maintenance Charges Annual ₹200 Waived off for first year
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) ₹0
Debit card withdrawal transactions at Non-Fincare ATM Per Transaction (beyond free) ₹20
Debit card non-financial transactions at Non -Fincare ATM Per Transaction (beyond free) ₹10
Cheque
Service/Transaction Sub Type Charge Type Charges (Excluding GST) Waivers / Free Tx Benefits
CTS Cheques Deposited Return for Insufficient Funds Per Instance ₹100  
CTS Cheques Deposited Return for Other Reasons Annual ₹50  
CTS Cheque issued return - Insufficient Funds Per Transaction (beyond free) ₹300  
CTS Cheque issued return - Other Reasons Per Transaction (beyond free) ₹100  
Issuance/ Reissuance Cheque book (25 Leaves / Book) Per Transaction (beyond free) ₹50  
Issuance/ Reissuance Cheque book (100 Leaves / Book) Per Transaction (beyond free) NA  
Stop Payment per Cheque Per Transaction (beyond free) ₹100  
Stop Payment - Cheque series Per Transaction (beyond free) ₹300  
Transfers
Service/Transaction Sub Type Charge Type Charges (Excluding GST) Waivers / Free Tx Benefits
IMPS Transfer Per Instance (Upto 25000: 2.5/TX 25000-1 Lakh: 5/TX 1 Lakh-2 Lakh- 15/TX) 50 pm (NEFT, RTGS, IMPS together)
RTGS Transfer Per Instance ( 2 Lakh-5 Lakh: Up to 17/ TX 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
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 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
Expand All
101First
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.
  • Free Virtual Debit card will be provided once the Account is Opened successfully. [The Physical Gold debit card can be availed at a charge of Rs. 249 + GST (One time charge)]
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 / NACH return - Insufficient Funds: INR 300 per instance; CTS Cheque issued / NACH return - 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.
Expand All
101Priority
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
  • Free Virtual Debit card will be provided once the Account is Opened successfully. [The Physical Platinum debit card can be availed at a charge of Rs. 499 + GST (One time charge)]
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 / NACH return - Insufficient Funds: INR 300 per instance with waiver of 1 such instance per month; CTS Cheque issued / NACH return - 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
*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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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 ₹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 Nil
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 / 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 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, 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
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 Nil
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 / 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 & Notification
Service / Transaction Type Charges (Excluding GST) Waivers / Benefits
Subscription for SMS Alerts ₹10 per month  
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, 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
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)  Nil
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 / 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
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
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Shakti Account
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 / 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: 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)
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Prime Savings Account
Prime Savings Account
Charges & Fees
Service/Transaction Sub Type Charge Type Prime Savings Account Prime -  Benefits/Features
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 ₹100 Free if closed after 1 Year (Charges applicable only if closed within a year)
Charges applicable if Balance below min balance Monthly(Prorata) ₹ 400 NA
Instakit Card Issuance Per Instance Nil Rupay Platinum Debit Card
Personalized Card Issuance Per Instance ₹200
Debit Card Maintainence Charges Annual ₹200 No Charges for 1st 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 Limit) ₹19 15pm
Debit card non-financial transactions at Fincare ATM Per Transaction (beyond Limit) Nil
Debit card withdrawal transactions at non-Fincare ATM Per Transaction (beyond Limit) ₹20
Debit card non-financial transactions at non-Fincare ATM Per Transaction (beyond Limit) ₹10
CTS Cheque Deposited Return for Insufficient funds Per Instance ₹100  
CTS Cheque Deposited Return for Other Reasons Per Instance ₹50  
Non CTS Cheques Deposited Return for Insufficient Funds Per Instance ₹500  
Non CTS Cheques Deposited Return for Other Reasons Per Instance ₹200  
CTS Cheque issued / NACH return - Insufficient Funds Per Instance ₹300  
CTS Cheque issued / NACH return - Other Reasons Per Instance ₹100  
Instakit Cheque book (25 Leaves / Book) Per Instance ₹ 0  
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
Subscription for SMS Alerts Per Month ₹ 0
IMPS Transfer Per Instance (Upto 25000: 2.5/TX 75 pm ( 50 RTGS, Offline NEFT IMPS )
25000-1 Lakh: 5/TX
1 Lakh-2 Lakh- 15/TX)
RTGS Transfer Per Instance 2 Lakh-5 Lakh: Up to 17/ TX
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
Cash deposit transactions (home & non home branch)  Per Instance based on the value After 10 Transactions , Rs. 4 per 1,000 10 transactions per month
Cash withdrawal transactions (home & non home branch)  Per Instance based on the value
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