Charges
1. Fee Based Service Charges
I. Locker Rent Charges
New Type of Locker | Revised Yearly Rent (wef 1st January 2023) | |
Metro & Urban Branches (Amount in Rs.) | Semi & Rural Branches (Amount in Rs.) | |
A Type | 1700 | 1200 |
B Type | 2300 | 1800 |
C Type | 2500 | 2000 |
D Type | 3300 | 2500 |
E Type | 3800 | 3300 |
F Type | 5300 | 5100 |
G Type | 7000 | 6500 |
H Type | 11000 | 10500 |
*All the above charges are excluding GST
Locker access more than 2 times in a month will be chargeable @Rs.100+GST per access
2. Card Charges
I. Debit Card Charges
Card Variant | Issuance Charge | AMC | ||
Account Variant | ||||
Normal Debit Card | Business Debit Card | Normal Debit Card | Business Debit Card | |
RuPay Classic Domestic DI Debit Card | Rs.200 | Rs. 500 | Rs. 150 | Rs. 300 |
RuPay Classic International DI Debit Card | Rs. 250 | Rs. 500 | Rs. 250 | Rs. 300 |
RuPay Platinum International DI Debit Card | Rs. 450 | Rs. 500 | Rs. 450 | Rs. 500 |
VISA International DI Debit Card | Rs. 300 | Rs. 500 | Rs. 300 | Rs. 300 |
II . Credit Card Charges
Credit Cards | Platinum | Gold |
Entrance Fees | Rs.999 Waived | Rs.499 Waived |
Annual Fees | Rs.3999 Waived | Rs.1999 Waived |
Add on Card | Rs.999 Waived | Rs.499 Waived |
Cash withdrawal fees | Rs.400 Per Transaction | Rs.400 Per Transaction |
Hot listing charges | Rs.300 | Rs.300 |
2. Other Charges | | |
Service Charges - Railway Booking | POS: Rs.30+2.5% Online: 1.8% | POS: Rs.30+2.5% Online: 1.8% |
Service Charges - Fuel Transaction | Rs.10 or 2.5% | Rs.10 or 2.5% |
Late Payment Fee - PBC* | 30% of MAD, Min: Rs.400 Max: Rs.600 | 30% of MAD, Min: Rs.400 Max: Rs.600 |
Late Payment Fee - PBT* | 10% of MAD, Min: Rs.100 Max: Rs.200 | 10% of MAD, Min: Rs.100 Max: Rs.200 |
Over Limit Fee | 2.5% of the amount exceeding limit; Min: Rs.300 | 2.5% of the amount exceeding limit; Min: Rs.300 |
Renewal Fee | NIL | NIL |
Application Processing Fee | Rs.500 Waived | Rs.250 Waived |
Reward Redemption Fee | Rs.75 | Rs.75 |
Interest Free Credit Period - PBT* *Applicable only on all retail purchases | 45 Days | 45 Days |
Total Credit Period per Transaction - PBT | 75 Days | 75 Days |
Interest Free Credit Period - PBC* *Applicable only on all retail purchases and if previous months balance outstanding is paid in full by due date. | 20 - 50 Days | 18 - 48 Days |
Finance Charges - Introductory : 3 Months from issue date, applicable only on Retail Purchases. (PBC & PBT) | 24% | 36% |
Finance Charges - Cash Advances (PBC & PBT) | 36% | 36% |
Finance Charges - Regular (PBC & PBT) | 36% | 42% |
Finance Charges - Default (PBC & PBT) * From the date of default. | 42% | 48% |
Cheque Return / StandingInstruction Dishonour Charges | Rs.400 | Rs.400 |
Reissue of PIN Mailer | Rs.100 | Rs.100 |
Sales Slip Retrieval Charges | Rs.300 | Rs.300 |
Duplicate Statement Generation (PBC & PBT) | Rs.100 | Rs.100 |
BT* Processing Fee | 1% of BT Amount Min: Rs.200 | 1% of BT Amount Min: Rs.200 |
EMI Processing Fee | As per the rate applicable at the time of EMI registration. | As per the rate applicable at the time of EMI registration. |
Outstation Cheque Collection | Rs.100 | Rs.100 |
Foreign Currency Transaction Fee | 3.5% | 3.5% |
Billing Change Request | Rs.250 | Rs.250 |
emPower Tool Annual Fee | NIL | NIL |
Pay By Transaction Billing Annual Fee | NIL | NIL |
Plan Your Rewards Annual Fee | NIL | NIL |
Cash Limit as % of Total limit | 15% | 10% |
Minimum Amount Due (MAD) PBC | 5% of TAD* Min: Rs.200 | 5% of TAD* Min: Rs.200 |
3. IMPS Money Transfer Charges | Inward Transaction | Outward Transaction |
Amount from Rs.1 and upto Rs.1 Lakh | Free | Rs.5 + GST |
Amounts above Rs.1 Lakh and upto Rs.2 Lakh | Free | Rs.15 + GST |
| | |
4. NEFT Money Transfer- From Branch | Inward=Free |
Outward=Charges from branch |
5. NEFT/RTGS Money Transfer - Internet Banking/Mobile Banking | Free | Free |
6. RTGS Money Transfer | Inward=Free | Outward=Charges from branch above 2 lakhs - 5 lakhs - Rs.25 + GST per transaction; above 5 lakh - Rs.50 + GST per transaction |