| Charges for non maintenance of minimum quarterly average balance |
Metro/Urban branch (Quarterly charge)
AQB less than Rs 5000 - Rs 750.
Semi-Urban branch (Quarterly charge)
AQB less than Rs 2500 - Rs 750
Rural branch (Quarterly charge)
AQB less than Rs 1000 - Rs 500
Special Accounts (quaterly charges)
Demat Account Rs 500
Student Account Rs 250
Trusts, NGOs and Societies Account - Rs 1000 |
| Cash Transaction |
Accounts that do not maintain minimum quarterly average balance
Metro/Urban branch
5 branch transactions per quarter -Nil
Beyond 5 branch transactions per quarter- Rs 50 per transaction
5 ATM transactions per quarter Nil
Beyond 5 transactions per quarter - Rs 50 per transaction |
| Cash Transaction Withdrawal |
At other branches other than base branch
a) upto Rs 50,000 per day (self/3rd party) - Nil
b) Beyond Rs 50,000 - Rs 2.40/1000
c) Maximum limit per day - No limit |
| Cash Deposit |
Inter- City cash deposits
Cash deposits (at branches / ATMs other than the base branch)
a) Maximum limit (per day) - 1,00,000
b)Cash deposits upto an amount of Rs 75000 per quarter - Nil
c)Deposits above 75000 - Rs 4/1000 with a minimum of Rs 100
Intra- City
Minimum limit per day - 1,00,000
No charges will be applicable for cash deposits at home branch |
| Cash withdrawal at ATMs in India |
At VISA/MASTERCARD enabled ATMs of partner Banks
Metro/Urban - Rs 30, Gold Debit card - Nil
At other VISA/MASTERCARD enabled ATMs
Metro/Urban - Rs 50, Gold Debit card - Nil |
| Cash withdrawal at ATMs in outside India |
At other VISA/MASTERCARD enabled ATMs
Metro/Urban - Rs 125, Gold Debit card - Rs 125 |
| Debit Card Fees |
A specially designed Debit Card is issued to Smart Privilege customer with the following feature:
* Photo Signature Card
* International Acceptance
* No Issuance charges
* Annual Charges @ Rs 95 plus service tax
* Free Personal Accidental Insurance cover upto Rs. 2 lacs |
| Debit Card Cash withdrawal limit |
Rs 40000 |
| Balance inquiry at own bank |
Balance enquiry at branch - Rs 25 |
| Balance inquiry at Other banks |
At VISA/MASTERCARD enabled ATMs of partner Banks
Metro/Urban - Rs 10, Gold Debit card - Nil
At other VISA/MASTERCARD enabled ATMs
Metro/Urban - Rs 25, Gold Debit card - Nil |
| Replacement of Debit Card |
Metro/Urban - Rs 95, Semi Urban - Rs 95, Gold Debit card - Rs 250 |
| Statement/Duplicate Account Statement |
Monthly statements - Free
Adhoc statements/ statement of account for AQB defaulters - Rs 50 per statement |
| Cheque Books |
"At Par"cheque book.Upto Rs 50,000 your cheque will be treated as a local cheque at any of the 209 centers where the bank has a presence, at no extra cost. No hassle of Demand Drafts/Pay Orders henceforth. |
| Outstation cheque collection |
Collection of outstation cheques - Rs 2.50/1000 min Rs 50 + Rs 30 (courier charges)
Outstation cheque returns - Rs 100 per instrument |
| Return of Cheque |
a) Inward clearing
i) Per instrument - Rs 350
ii) Cheque returned beyond third instrument - Rs 750 per instrument
b) Outward clearing check return - Rs 100 per instrument |
| Stop Payment for individual cheque or a range of cheques |
Rs 100 per instrument
Rs 200 for a series of instruments (beyond 3 cheques) |
| Closure of Account |
If closed within 6 months Rs 100
If closed after 6 months Nil |
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