Transparent, board-approved charges in accordance with RBI guidelines & Fair Practices Code.
As per the Reserve Bank of India's guidelines on Transparency in Pricing of Services (RBI Circular No. RBI/2008-09/192, DBOD.No.Leg.BC. 52/09.07.005/2008-09), the Bank is required to display the schedule of service charges prominently. All charges are subject to applicable Goods & Services Tax (GST) at 18% unless specified otherwise. Charges are reviewed and revised by the Board of Directors periodically. Customers will be given prior notice of any revision in charges.
| Service / Description | Charge Amount | GST | Waiver Condition | RBI Circular | Eff. Date |
|---|---|---|---|---|---|
| RTGS — ₹ 2,00,001 to ₹ 5,00,000 | FREE | NIL | All customers | DPSS.CO.OD No.629/2019-20 | 01-Jul-2019 |
| RTGS — Above ₹ 5,00,000 | FREE | NIL | All customers | DPSS.CO.OD No.629/2019-20 | 01-Jul-2019 |
| NEFT — Up to ₹ 10,000 | FREE | NIL | Savings account holders | DPSS.CO.OD No.629/2019-20 | 01-Jul-2019 |
| NEFT — ₹ 10,001 to ₹ 1,00,000 | FREE | NIL | Savings account holders | DPSS.CO.OD No.629/2019-20 | 01-Jul-2019 |
| NEFT — ₹ 1,00,001 to ₹ 2,00,000 | FREE | NIL | Savings account holders | DPSS.CO.OD No.629/2019-20 | 01-Jul-2019 |
| NEFT — Above ₹ 2,00,000 | FREE | NIL | Savings account holders | DPSS.CO.OD No.629/2019-20 | 01-Jul-2019 |
| Service / Description | Charge Amount | GST | Waiver Condition | RBI Circular | Eff. Date |
|---|---|---|---|---|---|
| ATM Card Issuance (First Time) | ₹ 0 | NIL | All SB/CA account holders | RBI/2021-22/113 | 01-Jan-2022 |
| ATM Card Annual Maintenance | As per Board Policy | 18% GST | Premium account holders | — | 01-Apr-2023 |
| Own Bank ATM Cash Withdrawal (Free Txn) | FREE (5 free/month) | NIL | First 5 transactions per month | DPSS.CO.PD.No.1343/2021-22 | 01-Aug-2021 |
| Own Bank ATM — Beyond Free Limit | ₹ 21 per txn | Applicable | None | DPSS.CO.PD.No.1343/2021-22 | 01-Aug-2021 |
| Other Bank ATM (Metro) — Free Txn | FREE (3 free/month) | NIL | First 3 transactions per month | DPSS.CO.PD.No.1343/2021-22 | 01-Aug-2021 |
| Other Bank ATM — Beyond Free Limit | ₹ 21 per txn (cash) / ₹ 8.50 (non-cash) | Applicable | None | DPSS.CO.PD.No.1343/2021-22 | 01-Aug-2021 |
| Duplicate / Replacement ATM Card | ₹ 200 per card | 18% GST | Waived on bank error | — | 01-Apr-2023 |
| ATM PIN Generation / Regeneration | FREE | NIL | All cardholders | — | 01-Apr-2023 |
| Service / Description | Charge Amount | GST | Waiver Condition | RBI Circular | Eff. Date |
|---|---|---|---|---|---|
| Account Opening Charges | FREE | NIL | All customers | — | 01-Apr-2023 |
| Minimum Balance Non-Maintenance | As per Board Policy | Applicable | Jan Dhan / PMJDY accounts | RBI/2012-13/365 | 01-Apr-2023 |
| Passbook Issuance (First) | FREE | NIL | All SB account holders | — | 01-Apr-2023 |
| Duplicate Passbook | ₹ 50 per passbook | 18% GST | None | — | 01-Apr-2023 |
| Account Statement (Branch) | FREE (1 per quarter) | NIL | First statement per quarter | — | 01-Apr-2023 |
| Cheque Book (per leaf) | As per Board Policy | Applicable | — | — | 01-Apr-2023 |
| Service / Description | Charge Amount | GST | Waiver Condition | RBI Circular | Eff. Date |
|---|---|---|---|---|---|
| Outward Cheque Return (Financial) | ₹ 300 per instance | 18% GST | None | RBI/2021-22/38 | 01-Jul-2021 |
| Inward Cheque Return (Insufficient Funds) | ₹ 500 per instance | 18% GST | None | RBI/2021-22/38 | 01-Jul-2021 |
| Cheque Stop Payment | ₹ 100 per cheque | 18% GST | None | — | 01-Apr-2023 |
| Demand Draft Issuance — Up to ₹ 10,000 | ₹ 25 | 18% GST | None | — | 01-Apr-2023 |
| Demand Draft — ₹ 10,001 to ₹ 1,00,000 | ₹ 2.50 per ₹ 1,000 (Min ₹ 25) | 18% GST | None | — | 01-Apr-2023 |
| Demand Draft — Above ₹ 1,00,000 | As per Board Policy | 18% GST | None | — | 01-Apr-2023 |
| Service / Description | Charge Amount | GST | Waiver Condition | RBI Circular | Eff. Date |
|---|---|---|---|---|---|
| Small Locker — Annual Rent | As per Board Policy | 18% GST | Existing FD holders | RBI/2022-23/04 | 01-Jan-2022 |
| Medium Locker — Annual Rent | As per Board Policy | 18% GST | Existing FD holders | RBI/2022-23/04 | 01-Jan-2022 |
| Large Locker — Annual Rent | As per Board Policy | 18% GST | Existing FD holders | RBI/2022-23/04 | 01-Jan-2022 |
| Locker Breaking Charges | Actual cost + ₹ 500 | 18% GST | None | RBI/2022-23/04 | 01-Jan-2022 |
| Service / Description | Charge Amount | GST | Waiver Condition | RBI Circular | Eff. Date |
|---|---|---|---|---|---|
| Loan Processing Fee | As per Board Policy | 18% GST | Seasonal waivers as announced | — | 01-Apr-2023 |
| Pre-Payment / Foreclosure (Floating Rate) | NIL (RBI Mandate) | NIL | Floating rate personal loans — mandatory | RBI/2014-15/162 | 01-Sep-2014 |
| Pre-Payment / Foreclosure (Fixed Rate) | As per loan agreement | 18% GST | None | — | 01-Apr-2023 |
| Loan NOC / Repayment Certificate | FREE | NIL | RBI mandate on timely NOC | RBI/2019-20/252 | 31-Mar-2020 |
| Penal Interest (Loan Default) | As per RBI guidelines | Applicable | Must be applied uniformly | RBI/2023-24/53 | 01-Jan-2024 |
| Service / Description | Charge Amount | GST | Waiver Condition | RBI Circular | Eff. Date |
|---|---|---|---|---|---|
| KYC Document Collection | FREE | NIL | All customers — RBI mandate | RBI/2021-22/84 | 12-Nov-2021 |
| SMS Alert (per quarter) | ₹ 15 per quarter | 18% GST | Waivable on opt-out | — | 01-Apr-2023 |
| Certificate of Account Balance | ₹ 50 per certificate | 18% GST | None | — | 01-Apr-2023 |
| Signature Verification | ₹ 50 per instance | 18% GST | None | — | 01-Apr-2023 |
| No Objection Certificate | ₹ 100 per certificate | 18% GST | None | — | 01-Apr-2023 |
| Interest Certificate (for IT purposes) | FREE | NIL | All account holders | — | 01-Apr-2023 |
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If you are dissatisfied with our charges or services, you may approach the RBI Integrated Ombudsman Scheme at cms.rbi.org.in or call the RBI Toll-Free Helpline: 14440. You may also file grievances through the SACHET Portal.
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