Bank Charges
| S. No. | Particulars | Charges Existing | Revised from 01/06/2026 |
|---|---|---|---|
| A | RTGS Charges | Charges per transaction(with GST) | Charges per transaction(with GST) |
| 1 | Upto ₹10000 | ₹3/- | ₹3/- |
| 2 | ₹10001 to ₹1 Lac | ₹5/- | ₹5/- |
| 3 | ₹100001 to ₹2 Lac | ₹15/- | ₹15/- |
| 4 | ₹2,00,001 to ₹5,00,000 | ₹25/- | ₹25/- |
| 5 | Above ₹5,00,000 | ₹50/- | |
| A-1 | NEFT Charges | Charges per transaction | Charges per transaction |
| 1 | Upto ₹10000 | ₹3/- | ₹3/- |
| 2 | ₹10001 to ₹1 Lac | ₹5/- | ₹5/- |
| 3 | ₹100001 to ₹2 Lac | ₹15/- | ₹15/- |
| 4 | Above ₹2 Lac | ₹25/- | ₹25/- |
| B | IMPS Charges | ||
| 1 | Upto ₹10000 | ₹6/- | ₹6/- |
| 2 | ₹10001 to ₹1 Lac | ₹10/- | ₹10/- |
| 3 | ₹100001 to ₹2 Lac | ₹30/- | ₹30/- |
| 4 | Above ₹2 Lac | ₹50/- | ₹50/- |
| C | OBC Charges (Cheques) | ||
| 1 | Up to ₹5,000/- | ₹25/- + GST | ₹25/- + GST |
| 2 | ₹5,001 To ₹10,000 | ₹50/- +GST | ₹50/- +GST |
| 3 | ₹10,000 To ₹1,00,000 | ₹100/- + GST | ₹100/- + GST |
| 4 | Above ₹1,00,000 | ₹1 per ₹1,000/- or part there of with a maximum of ₹500/-per instrument. +GST | ₹1 per ₹1,000/- or part thereof with a maximum of ₹500/- per instrument. +GST |
| Returning charges on Cheques returned unpaid shall be 50% of normal charges as above. In case of more than one bank the charges should be shared for amount up to ₹1 Lac and 50% of our bank’s charges for amount above ₹1 Lac. | |||
| D | IBC Charges (Bills) : | ||
| 1 | Up to ₹1,000/- | ₹30/- + GST | ₹30/- + GST |
| 2 | ₹1,001/- and up to ₹5,000/- | ₹50/- + GST | ₹50/- + GST |
| 3 | ₹5,001/- and up to ₹10,000/- | ₹70/- + GST | ₹70/- + GST |
| 4 | ₹10,001/- to ₹50,000/- | ₹7/- per ₹1,000/- or part thereof with a minimum of ₹70/- + GST | ₹7/- per ₹1,000/- or part thereof with a minimum of ₹70/- + GST |
| 5 | Above ₹50,000/- | ₹5/- per ₹1,000/- with a minimum of ₹275/- + GST | ₹5/- per ₹1,000/- with a minimum of ₹275/- + GST |
| Returning charges on Bills returned unpaid shall be 50% of normal charges as above. | |||
| E | Cheque Book Issue Charges | ||
| Savings Account | |||
| 1 | First cheque book of 15 leaves – Free and there after | ₹2.50 + GST per leaf | ₹3.00 + GST per leaf |
| Current / Overdraft / Cash Credit Account | |||
| 1 | First cheque book of 45 leaves – Free and there after | ₹3.00/- + GST per leaf | ₹4.00/- + GST per leaf |
| F | Cheque Stop Payment charges | ||
| 1 | For single cheque | ₹100/- + GST | ₹150/- + GST |
| 2 | For more than one Cheque | ₹100/- per cheque with maximum of ₹500/- + GST | ₹150/- per cheque with maximum of ₹500/- + GST |
| G | Cheque Return Charges | ||
| Inward Cheque Return | ₹200/- + GST per cheque | ₹300/- + GST per cheque | |
| Outward Cheque Return | ₹200/- + GST per cheque | ₹300/- + GST per cheque | |
| H | Processing Charges on Advances | ||
| For Cash Credit and Overdraft Limits All Term Loan | |||
| 1 | Up to ₹1 Lac | ₹500/- + GST | ₹500/- + GST |
| 2 | Above ₹1 Lac | 0.50% of Loan Amount | 0.50% of Loan Amount |
| 3 | Any Modification in sanctioned | ₹1000/- + GST | |
| On Review / Renewal of Cash Credit / Overdraft Limits – Same charges, as above | |||
| I | DD Commission | ||
| Up to ₹1,000/- | ₹20/- + GST | ₹40/- +GST | |
| ₹1,001/- to ₹5,000/- | ₹25/- + GST | ||
| ₹5,001/- to ₹10,000/- | ₹30/- + GST | ₹60/- +GST | |
| ₹10,001/- to ₹1,00,000/- | ₹40/- +GST | ||
| Above ₹1,00,000/- | ₹2/- + GST per ₹1,000/- | ₹100/- + GST | |
| Lost Instruments | ₹100/- + GST per Instrument | ||
| Cancellation Charges | ₹150 + GST per Instrument | ||
| J | Pay Order Commission | ||
| 1 | Up to ₹500/- | ₹10/- + GST | ₹20/- + GST |
| 2 | ₹501/- to ₹1,000/- | ₹15/- + GST | |
| 3 | ₹1,001/- to ₹5,000/- | ₹20/- + GST | ₹40/- + GST |
| 4 | ₹5,001/- to ₹1,00,000/- | ₹25/- + GST | ₹60/- + GST |
| 5 | ₹10,001/- to ₹1,00,000/- | ₹1.25 + GST per ₹1,000/- | |
| 6 | Above ₹1 Lac to ₹5 Lac | ₹0.75 +GST per ₹1,000/- | ₹100/- +GST |
| 7 | Above ₹5 Lac | ₹0.50 +GST per ₹1,000/- | ₹0.70 +GST per ₹1,000/- |
| 8 | Cancelation Charges | ₹150 +GST per Instrument | |
| 9 | Lost Instruments | ₹100/- +GST per Instrument | |
| K | Inspection Charges for Cash Credit & Overdraft Limits: (to be recovered every year) | ||
| For Cash Credit and Overdraft Limits | |||
| 1 | Up to ₹1,00,000/- | ₹100/- + GST for every year | ₹200/- + GST for every year |
| 2 | ₹1,00,000/- & Up to ₹10,00,000/- | ₹200/- +GST for every year | ₹400/- +GST for every year |
| 3 | Above ₹10,00,000/- | ₹1,500/-+GST for every year | |
| Bank Guarantee Commission | |||
| 1 | Financial guarantee secured by 100% cash margin in the shape of Bank Deposit & Cash Security | ₹100/- +GST plus 25% of charges as above, applicable to partly secured bank guarantees. i.e. 1% | ₹100/- +GST plus 25% of charges as above, applicable to partly secured bank guarantees. i.e. 2% |
| L | Minimum Balance Charges | ||
| 1 | Saving Account: with Cheque facility Min. ₹1,000/- ( Quarterly average balance) | ₹150/- + GST | ₹150/- + GST |
| 2 | Current Account : Minimum ₹3,000/- (Quarterly average balance) | ₹300/- + GST | ₹300/- + GST |
| M | Locker Rent | ||
| 1 | ‘ A ‘ category | ₹1200/- + GST | ₹1400/- + GST |
| 2 | ‘ B ‘ Category | ₹1800/- + GST | ₹2000/- + GST |
| 3 | ‘ C ‘ Category | ₹2,500/- + GST | ₹2,800/- + GST |
| 4 | Locker Operation Charges beyond 12 in year | ₹100/- + GST | |
| N | Cash Handling Charges and deposit at other than base branch | ||
| 1 | Upto Rs 1,00,000/- | NIL | NIL |
| 2 | ₹1,00,001/- to ₹5,00,000/- | ₹50/- +GST | ₹100/- +GST |
| 3 | Above ₹5,00,000/- | ₹100/- +GST | ₹200/- +GST |
| O | Duplicate Statement Charges | ||
| 1 | Per Page | ₹40/- +GST | ₹50/- +GST |
| 2 | Duplicate PassBook | ₹50/- +GST | ₹50/- +GST |
| P | Inoperative to Operative | ₹100/- +GST | NIL |
| Q | Signature Verification | ₹100/- per Signature | |
| R | Photo Attestation | ₹50/- per Photo | |
| S | NACH | ||
| 1 | Mandate Charges | ₹100/- +GST | |
| 2 | Return Charges | ₹150/- +GST | ₹200/- +GST |
| T | Debit Card | ||
| 1 | First Year | Free | |
| 2 | 2nd Year & onwards | ₹150/- per Card | ₹200/- per Card |
| U | ATM Transaction | ||
| 1 | Financial Tr. with other Bank | ₹20/- per transaction | |
| 2 | Non financial Tr. Other Bank | ₹15/- per transaction | |
| V | Inspection of property every three years | ₹500/- per property | |
| SMS Charges (Quarterly) | Actual | ||
| Charges for cancellation lien on NSC/IVP/Lic Policy | ₹100/-+GST per instrument | ||
| Mortgage creation charges other than Housing Loans | ₹100/- per Lac or part thereof | ||
| Prepayment Charges for Mortgage Loan | ₹1% of prepaid amount +GST | ||
| Commitment charges in CC/MO limit | 1% p.a. + GST of un-availed part if average utilization is below 75% in a month. | ||
| W | Mobile banking activation charges | ₹100/-+GST | |
| X | UPI / IMPS Activation charges | ₹100/-+GST | |
| Y | Deviation Charges on Loan and Advance | ₹1,000+GST | |
| S.No | Particulars | Charges |
|---|---|---|
| 1 | RTGS and NEFT Charges | Charges per transaction |
| Upto ₹1,000 | ₹3/- + GST | |
| ₹1,001 to ₹1,00,000 | ₹5/- + GST | |
| ₹10,001 to ₹2,00,000 | ₹15/- + GST | |
| Above ₹2,00,000 to ₹5,00,000 | ₹25/- + GST | |
| Above ₹5,00,000 | ₹50/- + GST | |
| 2 | IMPS Charges | |
| Upto ₹1,000 | ₹6/- + GST | |
| ₹1,001 to ₹1,00,000 | ₹10/- + GST | |
| ₹10,001 to ₹2,00,000 | ₹30/- + GST | |
| Above ₹2,00,000 | ₹50/- + GST | |
| 3 | OBC Charges (Cheques) | |
| Up to ₹5,000/- | ₹25/- + GST | |
| ₹5,001 To Rs 10,000 | ₹50/- +GST | |
| ₹10,000 To ₹1,00,000 | ₹100/- + GST | |
| Above ₹1,00,000 | ₹1 per ₹1,000/- or part there of with a maximum of ₹500/- per instrument. +GST | |
| Returning charges on Cheques returned unpaid shall be 50% of normal charges as above. | ||
| In case of more than one bank the charges should be shared for amount up to ₹1,00,000 and 50% of our bank’s charges for amount above ₹1,00,000. | ||
| 4 | IBC Charges (Bills) | |
| Up to ₹1,000/- | ₹30/- +GST | |
| ₹1,001/- and up to ₹5,000/- | ₹50/- +GST | |
| ₹5,001/- and up to ₹10,000/- | ₹70/- +GST | |
| ₹10,001/- Above ₹50,000/- | ₹7/- per ₹1,000/- or part thereof with a minimum of ₹70/- +GST | |
| Above ₹5,000/- | ₹5/- per ₹1,000/- with a minimum of ₹275/- +GST | |
| Returning charges on Bills returned unpaid shall be 50% of normal charges as above. | ||
| 5 | Cheque Book Issue Charges | |
| Savings Account: | ||
| First cheque book of 15 leaves – Free and there after | ₹2.50 + GST per leaf | |
| Current / Overdraft / Cash Credit Account: | ||
| First cheque book of 45 leaves – Free and there after | ₹3/- + GST per leaf | |
| 6 | Cheque Stop Payment charges | |
| For single cheque | ₹150/- +GST | |
| For more than one Cheque | ₹150/- per cheque with maximum of ₹500/- +GST | |
| 7 | Cheque Return Charges | |
| Inward Cheque Return | ₹200/- +GST per cheque | |
| Outward Cheque Return | ₹200/- + GST per cheque | |
| 8 | Processing Charges on Advances | |
| For Cash Credit & Overdraft Limits & All Term Loan | ||
| Up to ₹1,00,000 | ₹500/- + GST | |
| Above ₹1,00,000 | 0.50% of Loan Amount | |
| On Review / Renewal of Cash Credit / Overdraft Limits – Same charges, as above | ||
| 9 | DD / Pay Order Commission | |
| Up to ₹1,000/- | ₹20/- +GST | |
| ₹1,001/- to ₹5,000/- | ₹40/- +GST | |
| ₹5,001/- to ₹1,00,000/- | ₹60/- +GST | |
| Above ₹1,00,000 | ₹0.70/- +GST per. 1,000/- | |
| Lost Instruments | ₹100/- +GST per Instrument | |
| Cancelation Charges | ₹150/- +GST per Instrument | |
| 10 | Inspection Charges for Cash Credit & Overdraft Limits: (to be recovered every year) | |
| For Cash Credit & Overdraft Limits : | ||
| Up to ₹1,00,000 | ₹200/- +GST for every year | |
| ₹1,00,000 & Up to ₹10,00,000 | ₹400/- +GST for every year | |
| Above ₹10,00,000 | ₹1,500/-+GST for every year | |
| 11 | Bank Guarantee Commission | |
| Secured by 100% cash margin in the shape of Bank Deposit & Cash Security | ₹100/- +GST plus 25% of charges as above, applicable to partly secured bank guarantees. i.e. 1% | |
| 12 | Minimum Balance Charges | |
| Saving Account: with Cheque facility Min. ₹1,000/- | ₹150/- + GST | |
| Saving Account: without Cheque facility Min. ₹500/- | ₹100/- +GST | |
| Current Account : Minimum ₹3,000/- | ₹300/- +GST | |
| 13 | Loacker Rent | |
| ‘ A ‘ category | ₹1,000/- +GST | |
| ‘ B ‘ Category | ₹1,500/- +GST | |
| ‘ C ‘ Category | ₹2,250/- +GST | |
| 14 | Cash Handling Charges | |
| ₹5,001/- to ₹1,00,000/- | ₹50/- +GST | |
| ₹1,00,001/- to ₹5,00,000/- | ₹100/- +GST | |
| Above ₹5,00,000/- | ₹150/- +GST | |
| 15 | Duplicate Statement Charges | |
| Per Page | ₹50/- +GST | |
| Duplicate PassBook | ₹50/- +GST | |
| 16 | Inoperative to Operative | ₹150/- +GST |
| 17 | Signature Verification | ₹100/- per Signature |
| 18 | Photo Attestation | ₹50/- per Photo |
| 19 | NACH | |
| Mandate Charges | ₹100/- +GST | |
| Return Charges | ₹150/- +GST | |
| 20 | Debit Card | ₹150/- per Card |
| 21 | SMS Charges (Quarterly) | ₹15+ GST |
| 22 | ATM Transaction | |
| Financial Tr. with other Bank | ₹20/- per transaction | |
| Non financial Tr. Other Bank | ₹15/- per transaction | |
| 23 | Inspection of property every three years | ₹500/- per property |
| 24 | Charges for cancellation lien on NSC/IVP policy | ₹100/-+GST per instrument |
| 25 | Mortgage creation charges other than Housing Loans | ₹100/- per Lac or part thereof |
| 26 | Prepayment Charges for Mortgage Loan | ₹1,000/-+GST |
| 27 | Mobile banking activation charges | ₹100/-+GST |
| 28 | UPI /IMPS Activation charges | ₹100/-+GST |
| 29 | DEVIATION CHARGES ON LOAN AND ADVANCE | ₹1,000+GST |