Charges and Fees | Fincare Bank

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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

NRE Savings Account

NRO Savings Account

Imperial Savings Account

TASC Savings Account

BSBDA Savings Account

Shakti Savings Account

101First Savings Account

101Priority 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

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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	₹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
SMS Alerts	15 Paisa per Value added SMS (Effective from 01-08-2021)	N.A

Cash Transactions

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

Locker Charges

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

Transfers

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

*Note : NEFT initiated through online channel are not chargeable

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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	₹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
SMS Aletrs	15 Paisa per Value added SMS (Effective from 01-08-2021)	N.A

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	30 transactions per month
	₹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	20 transactions per month (NEFT, RTGS together)
RTGS Transfer	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

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	₹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	60 transactions per month
	₹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	40 transactions per month (NEFT, RTGS together)
RTGS Transfer	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

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	₹19 per transactions (beyond free)	12 p.m.Transactions per month is free including transactions at Fincare ATM, Non-Fincare ATM, Financials & Non-Financials transactions
Debit card non-financial transactions at Fincare ATM	Nil
Debit card withdrawal transactions at NonFincare ATM	₹20 per transactions (beyond free)
Debit card non-financial transactions at Non - Fincare ATM	₹10 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	15 Paisa per value added SMS

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)		10 transactions per month

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
RTGS Transfer	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

*Note : NEFT initiated through online channel are not chargeable

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Loan Against Gold

Charges & Fees

Service / Transaction Type	Charges
Processing Fees	0% to 0.5% + Applicable taxes
Foreclosure Charges	NIL
Renewal Charges	0% to 0.5% + Applicable taxes
Valuation Charges	NIL
Part Payment Charges	NIL
Penal Interest	0.25% p.m. to 1% p.m. Step-up on ROI after maturity of the loan
Stamp Charges	As per applicable laws of the state

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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	₹19 (beyond free)	4 Transactions per month is free including transactions at Fincare ATM, Non-Fincare ATM, Financials & Non-Financials transactions
Debit card non-financial transactions at Fincare ATM	Nil
Debit card withdrawal transactions at NonFincare ATM	₹20 (beyond free)
Debit card non-financial transactions at Non -Fincare ATM	₹10 (beyond free)

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	₹0	Applicable only through online channels
RTGS Transfer	₹0
NEFT Transfer*	₹0

*Note : NEFT initiated through online channel are not chargeable

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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	₹250 + GST
Personalized Card Issuance	Per Instance	Custom Image Card - ₹300 + GST
Debit Card Maintainence Charges	Annual	₹100+ GST
Debit Card re-issuance/ Add on Card - Insta Card	Per Instance	₹250 +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)	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
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)	₹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: ₹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)

Expand All

Priority Business Current Account

Account Opening

Service / Transaction Type	Charges (Excluding GST)	Waivers / Benefits
Account Closure -Indiv/ Joint CASA & Sole Prop CA	₹100 per instance	Free if closed after 1 Year (Charges applicable only if closed within a year)
Account Closure- Partnership & Corporates	₹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	₹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, ₹4 per 1000. Minimum charge of ₹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, ₹4 per 1000. Minimum charge of ₹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	Free	unlimited
RTGS Transfer	Free
NEFT Transfer*	Free

Note : *Applicable only through online channels.

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Smart Business Current Account

Account Opening

Service / Transaction Type	Charges (Excluding GST)	Waivers / Benefits
Account Closure -Indiv/ Joint CASA & Sole Prop CA	₹100 per instance	Free if closed after 1 Year (Charges applicable only if closed within a year)
Account Closure- Partnership & Corporates	₹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	₹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
SMS Alerts	15 Paisa per Value added SMS (Effective from 01-08-2021)	N.A

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 1000. Minimum charge of ₹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	20 transactions per month
RTGS Transfer	₹2,00,000-₹5,00,000: ₹17/ TX Above 5 Lakhs: ₹44/TX	30 transactions per month (NEFT, RTGS 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	30 transactions per month (NEFT, RTGS together)

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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 – 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 ₹400 (plus taxes) Till 7th September 2020 ₹300 (plus taxes)
Loan Cancellation (Within 7 Days from date of disbursement)	NIL Charges, MoDTD & Other Charges to be borne by the applicant
Legal & Valuation Charges	At Actuals to be borne by customer

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

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

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Affordable Housing Loan

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

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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)
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

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Over Draft Against Property

Charges & Fees

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

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

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Two-Wheeler Loan

Charges & Fees

Parameters	Cross Sell Loans
Rate of Interest	26.49%
Tenure (In Months)	24/30/36 months
Processing fees	₹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

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101First Savings Account

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: 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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101Priority Savings Account

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

Expand All

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	₹19 per transactions (beyond free)	15 p.m.Transactions per month is free including transactions at Fincare ATM, Non-Fincare ATM, Financials & Non-Financials transactions
Debit card non-financial transactions at Fincare ATM	Nil
Debit card withdrawal transactions at NonFincare ATM	₹20 per transactions (beyond free)
Debit card non-financial transactions at Non - Fincare ATM	₹10 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)		10 transactions per month

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
RTGS Transfer	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

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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)	No free Transactions

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
RTGS Transfer	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

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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	No free Transactions

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
RTGS Transfer	₹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

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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	-

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)	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	Free	Unlimited
RTGS Transfer	Free
NEFT Transfer*	Free

*Note : NEFT initiated through online channel are not chargeable

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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	₹100 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	₹100pm (NEFT, RTGS, IMPS together)
	₹25,000 - ₹1Lakh : ₹5/TX
	₹1Lakh - ₹2Lakh : ₹15/TX)
RTGS Transfer	₹2Lakh - ₹5Lakh : Upto ₹17/ TX
RTGS Transfer	₹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

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.