Schedule of Charges
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Smart Saver
Priority Account
Priority Plus Account
Loan Against Gold
Loan Against Property
Over Draft Against Property
101First
101Priority
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Smart Saver
Smart Saver
Account Opening
| Service / Transaction Type | Charges | 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 | Waivers / Benefits |
|---|---|---|
| Instakit Card 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 transaction per month in Non metro + 3 transaction per month in metro locations |
| Debit card non-financial transactions at Fincare ATM | ₹9 per transaction (beyond free) | 5 transaction per month in Non metro + 3 transaction per month in metro locations |
| Debit card withdrawal transactions at Non-Fincare ATM | ₹25 per transaction (beyond free) | 5 transaction per month in Non metro + 3 transaction per month in metro locations |
| Debit card non-financial transactions at Non-Fincare ATM | ₹10 per transaction (beyond free) | 5 transaction per month in Non metro + 3 transaction per month in metro locations |
Cheque
| Service / Transaction Sub Type | Charges | Waivers / Benefits |
|---|---|---|
| Non-CTS Cheque Deposited | ( Upto 5000: ₹ 50 5K-10K: ₹ 100 10k - 20k: 200 20k-50k: 500 >50K: 1%) | 0 |
| CTS Cheques Deposited Return for Insufficient Funds | ₹100 per instance | |
| CTS Cheques Deposited Return for Other Reasons | ₹50 per instance | |
| Non CTS Cheques Deposited Return for Insufficient Funds | ₹500 per instance | |
| Non CTS Cheques Deposited Return for Other Reasons | ₹200 per instance | |
| CTS Cheque issued return - Insufficient Funds | ₹300 per instance | |
| CTS Cheque issued return - Other Reasons | ₹100 per instance | |
| Instakit Cheque book (25 Leaves / Book) | NA | |
| Instakit Cheque book (100 Leaves / Book) | NA | |
| Issuance/ Reissuance Cheque book (25 Leaves / Book) | ₹50 per instance | |
| Issuance/ Reissuance Cheque book (100 Leaves / Book) | NA | |
| Stop Payment per Cheque | ₹100 per instance | |
| Stop Payment - Cheque series | ₹300 per instance |
Alerts & Notification
| Service / Transaction Sub Type | Charges | Waivers / Benefits |
|---|---|---|
| Subscription for SMS Alerts | ₹10 per month |
Cash Transactions
| Service / Transaction Sub Type | Charges | 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 | 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 | Waivers / Benefits |
|---|---|---|
| IMPS Transfer | (Upto 25000: 2.5/TX 25000-1 Lakh: 5/TX 1 Lakh-2 Lakh- 15/TX) per instance | |
| RTGS Transfer | ( 2 Lakh-5 Lakh: Up to 22/ TX 5 Lakh Above: Upto 49/TX) per instance | |
| NEFT Transfer | Upto 10000: Upto 2.5/TX 10000-1 Lakh: Upto 5/TX 1 Lakh-2 Lakh: Upto 15/TX Above 2 Lakhs: Upto 25/TX per instance |
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Priority Account
Priority Account
Account Opening
| Service / Transaction Type | Charges | 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 | Waivers / Benefits |
|---|---|---|
| Instakit Card 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 |
| Debit card non-financial transactions at Fincare ATM | ₹9 per transaction (beyond free) | 12 transactions per month |
| Debit card withdrawal transactions at Non-Fincare ATM | ₹25 per transaction (beyond free) | 12 transactions per month |
| Debit card non-financial transactions at Non-Fincare ATM | ₹10 per transaction (beyond free) | 12 transactions per month |
Cheque
| Service / Transaction Sub Type | Charges | Waivers / Benefits |
|---|---|---|
| Non-CTS Cheque Deposited | ( Upto 5000: ₹ 50 5K-10K: ₹ 100 10k - 20k: 200 20k-50k: 500 >50K: 1%) Per Instance | 0 |
| CTS Cheques Deposited Return for Insufficient Funds | ₹100 per instance | |
| CTS Cheques Deposited Return for Other Reasons | ₹50 per instance | |
| Non CTS Cheques Deposited Return for Insufficient Funds | ₹500 per instance | |
| Non CTS Cheques Deposited Return for Other Reasons | ₹200 per instance | |
| CTS Cheque issued return - Insufficient Funds | ₹300 per instance | 1 per month |
| CTS Cheque issued return - Other Reasons | ₹100 per instance | 1 per month |
| 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 | 1 per month |
| Stop Payment - Cheque series | ₹300 per instance | 1 per month |
Alerts & Notifications
| Service / Transaction Sub Type | Charges | Waivers / Benefits |
|---|---|---|
| Subscription for SMS Aletrs | ₹10 per month |
Cash Transactions
| Service / Transaction Sub Type | Charges | 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 | 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 | Waivers / Benefits |
|---|---|---|
| IMPS Transfer | (Upto 25000: 2.5/TX 25000-1 Lakh: 5/TX 1 Lakh-2 Lakh- 15/TX) per instance | ₹50 per month (NEFT, RTGS, IMPS together) |
| RTGS Transfer | ( 2 Lakh-5 Lakh: Up to 22/ TX 5 Lakh Above: Upto 49/TX) per instance | ₹50 per month (NEFT, RTGS, IMPS together) |
| NEFT Transfer | Upto 10000: Upto 2.5/TX 10000-1 Lakh: Upto 5/TX 1 Lakh-2 Lakh: Upto 15/TX Above 2 Lakhs: Upto 25/TX per instance | 50 per month (NEFT, RTGS, IMPS together) |
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Priority Plus Account
Priority Plus Account
Account Opening
| Service / Transaction Type | Charges | 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 | Waivers / Benefits |
|---|---|---|
| Instakit Card 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 free per month |
| Debit card non-financial transactions at Fincare ATM | Free | |
| Debit card withdrawal transactions at Non-Fincare ATM | ₹25 per transaction (beyond free) | 15 transactions free per month |
| Debit card non-financial transactions at Non-Fincare ATM | ₹10 per transaction (beyond free) | 15 transactions free per month |
Cheque
| Service / Transaction Sub Type | Charges | Waivers / Benefits |
|---|---|---|
| Non-CTS Cheque Deposited | ( Upto 5000: ₹ 50 5K-10K: ₹ 100 10k - 20k: 200 20k-50k: 500 >50K: 1%) Per Instance | 0 |
| CTS Cheques Deposited Return for Insufficient Funds | Free | |
| CTS Cheques Deposited Return for Other Reasons | Free | |
| Non CTS Cheques Deposited Return for Insufficient Funds | ₹500 per instance | |
| Non CTS Cheques Deposited Return for Other Reasons | ₹200 per instance | |
| CTS Cheque issued return - Insufficient Funds | ₹300 per instance | 5 per month |
| CTS Cheque issued return - Other Reasons | ₹100 per instance | 5 per month |
| Instakit Cheque book (25 Leaves / Book) | Free | |
| Instakit Cheque book (100 Leaves / Book) | NA | |
| Issuance/ Reissuance Cheque book (25 Leaves / Book) | ₹50 per instance | 4 per month |
| Issuance/ Reissuance Cheque book (100 Leaves / Book) | NA | |
| Stop Payment per Cheque | ₹100 per instance | 5 per month |
| Stop Payment - Cheque series | ₹300 per instance | 5 per month |
Alerts & Notifications
| Service / Transaction Sub Type | Charges | Waivers / Benefits |
|---|---|---|
| Subscription for SMS Aletrs | Free |
Cash Transactions
| Service / Transaction Sub Type | Charges | Waivers / Benefits |
|---|---|---|
| Cash transactions (home & non home branch) | Free | |
| Cash withdrawal transactions (home & non home branch) | Free |
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 | Waivers / Benefits |
|---|---|---|
| IMPS Transfer | Free | 100 transactions per month (NEFT, RTGS, IMPS together) |
| RTGS Transfer | Free | 100 transactions per month (NEFT, RTGS, IMPS together) |
| NEFT Transfer | Free | 100 transactions per month (NEFT, RTGS, IMPS together) |
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Loan Against Gold
Loan Against Gold
Charges & Fees
| Service / Transaction Type | Charges | Waivers / Benefits |
|---|---|---|
| Processing Fees | 0% to 1% | NA |
| Foreclosure Charges | 0% to 1% | NA |
| Renewal Charges | 0% to 0.5% | NA |
| Valuation Charges | NIL | NA |
| Part Payment Charges | NIL | NA |
| Penal Interest | 1% on outstanding principal | NA |
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Loan Against Property
Loan Against Property
Charges & Fees
| Service / Transaction Type | Charges | Waivers / Benefits |
|---|---|---|
| Rack Interest Rate Range | 14.99% to 24% | NA |
| Loan Processing Charges | Maximum of 2% of loan amount + Applicable Taxes | NA |
| Part payment Charges | First 12 months no part is allowed | NA |
| Prepayment charges | First 12 months no full prepayment allowed After 12 months 3% of Principal Outstanding | NA |
| Charges for late payment of EMI | 2% per month | NA |
| Interest Charged on Over utilized amount | NA | NA |
| Stamp Duty & other statutory charges | As per applicable laws of the state | NA |
| Cheque Bounce Charges | Rs 300 + Applicable taxes per cheque bounce | NA |
| Repayment schedule charges | NIL | NA |
| Cheque / SI / ECS swapping charges | NIL | NA |
| Legal/Repossession & Incidental charges | At actuals | NA |
| Central Registry of Securitization Asset Reconstruction and Security Interest of India (CERSAI) Charges | NIL | NA |
| Property Swapping / Partial property Release | NIL | NA |
| Document retrieval charges | 1000 | NA |
NOTE : The above charges are exclusive of taxes and statutory levies as applicable from time to time . The above charges are maximum charges applicable for each type of charge
The bank reserve 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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Over Draft Against Property
Over Draft Against Property
Charges & Fees
| Service / Transaction Type | Charges | Waivers / Benefits |
|---|---|---|
| Rack Interest Rate Range | LAP ROI + 1.00% Linked to 1 year MCLR | NA |
| Loan Processing Charges | Maximum of 2% of loan amount + Applicable Taxes | NA |
| Part payment Charges | NA | NA |
| Prepayment charges | 3% (plus applicable taxes) of the Opening Overdraft limit set for the specific year | NA |
| Charges for late payment of EMI | NA | NA |
| Interest Charged on Over utilized amount | 2% per month | NA |
| Stamp Duty & other statutory charges | As per applicable laws of the state | NA |
| Cheque Bounce Charges | NA | NA |
| Repayment schedule charges | NIL | NA |
| Cheque / SI / ECS swapping charges | NIL | NA |
| Legal/Repossession & Incidental charges | At actuals | NA |
| Central Registry of Securitization Asset Reconstruction and Security Interest of India (CERSAI) Charges | NIL | NA |
| Property Swapping / Partial property Release | NIL | NA |
| Document retrieval charges | 1000 | NA |
NOTE : The above charges are exclusive of taxes and statutory levies as applicable from time to time . The above charges are maximum charges applicable for each type of charge
The bank reserve 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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101First
101First
Charges & Fees
| Minimum Monthly Average Balance (INR) | Nil | |||||||||||||||||||||||||
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| Cash | INR 4 per INR 1000 of cash transaction with minimum charge INR 50 | |||||||||||||||||||||||||
| Debit Card/ATM Charges |
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| Cheque Book** |
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| Branch Requests | Any request chargeable at INR 100 per request | |||||||||||||||||||||||||
| Statements & Alerts | E-mail alerts: Nil SMS alerts: INR 10 per month |
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| *RTGS available only after conversion to full KYC account ** Cheque Book issuance allowed only as a service request later |
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101Priority
101Priority
Charges & Fees
** Cheque available only per request
| Minimum Monthly Average Balance (INR) |
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| Fund Transfers |
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| Cash | INR 4 per INR 1000 of cash transaction with minimum charge INR 50 | |||||||||||||||||||||||||
| Debit Card/ATM Charges |
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| Cheque Book** |
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| Branch Requests | Any request chargeable at INR 100 per request | |||||||||||||||||||||||||
| Statements & Alerts | SMS and E-mail alerts: Nil | |||||||||||||||||||||||||
| Important Information: | ||||||||||||||||||||||||||
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| *RTGS available only after conversion to full KYC account | ||||||||||||||||||||||||||