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Service Charges


Deposits        

Loans

Safe Deposit Charges




Cash Related Charges




Current Account/Savings Account Related Charges




Demand Drafts / Banker's Cheque related Charges




NEFT/RTGS/IMPS Charges




Debit Card / ATM Charges




Other miscellaneous Charges




Cheque collection/ NACH





SAFE DEPOSIT LOCKERS
1ADescription of serviceSERVICE CHARGES
Locker RentSmall:
Rural/Semi urban - Rs.1500/-+GST
Urban/Metro-Rs.2000/-+GST
Medium:
Rural/Semi urban-Rs.3000/-+GST
Urban/Metro -Rs.4000/-+GST
Large:
Semi urban/Rural-Rs.6000/-+GST
Urban/Metro -Rs.8000/-+GST
2ALocker Break open chargesRs.1500/-+GST Plus actual expenditure incurred for break open the locker and changing the lock by manufacturers.
3Locker operationsSERVICE CHARGES
AUpto 12 visits/Year12 visits per year free.
B13th Visit onwardsRs.150/- + GST per visit.
CLocker rent overdue charges (All sizes)2nd Qtr 20% on Annual Rent*
3rd Qtr 30% on Annual Rent*
1 Year and above 40% on Annual Rent*
* Branch shall break open any locker following due procedure if rent has not been paid by the customer for three years in a row.
* Locker rent overdue charges to be recovered in addition to Locker Rent.
Overdue period is classified as under:
Standing Instruction set up, for advance rental for the financial year 2022-23, recoverable on 02.04.2022.
Overdue charges @ 10%/20%/30%/40% of annual rent to be levied on 1st July 2022/1st October 2022/1st January 2023/1st April 2023 respectively, if remaining unpaid till that date.
DOne time registration for lockersRs.550/- + GST.


CASH RELATED CHARGES
Description of serviceSERVICE CHARGES
1Cash Deposit Transactions: Savings Bank (Excluding Financial Inclusion accounts)
No. of cash deposit transactions in a
month
3 Transactions free
Beyond 3 Transactions in a month (Excluding Alternate channel
transactions)
Rs. 50/- + GST per Transaction
2Cash Deposit Transactions: Current Account
A. Upto Rs.25000/- per dayFree
B. Beyond Rs.25000/- per day

Rs. 0.75 per ₹1,000/- + GST
Minimum ₹50/- + GSTMaximum Rs. 20,000/- + GST

3Cash withdrawals at Home Branch
Average Monthly Balances (AMB) in Savings Bank (Cash withdrawals) per
month
Number of free cash withdrawals per month at Branch
Upto Rs.1,000/-2
From Rs.1,001/- to Rs.25,000/-4
From 25,001/- to Rs.50,000/-10
From Rs.50,001/- to Rs.1,00,000/-15
Above Rs.1,00,000/-Unlimited
Charges for transactions beyond the
free limit (Per Txn)
Rs.50/- + GST
Average Monthly Balances (AMB) in
Savings Bank (Debit Transactions) per month
Number of free debit transactions per month through Internet/Mobile Banking
Upto Rs.1,000/-20
From Rs.1,001/- to Rs.25,000/-40
From 25,001/- to Rs.50,000/-Unlimited
From Rs.50,001/- to Rs.1,00,000/-Unlimited
Above Rs.1,00,000/-Unlimited
Charges for transactions beyond the
free limit (Per Txn)
Rs.50/- + GST
Non Home BranchesMaximum Limit
Cash DepositRs. 1,00,000/- Per Day *
Cash With drawal for selfRs. 25,000/- Per Day
* Thereafter, above Rs.1,00,000/- limit HO is vested with powers to accept more cash.
4 (i)Free ATM Transactions per month (Fin & Non Fin. Trans)
1. Metro Centers
1. Own & SBI ATM1. Classic Card: 3 Transactions
2. Platinum Card: 3 Transactions
2. Other Bank ATM1. Classic Card: 3 Transactions
2. Platinum Card: 3 Transactions
Note: RBI revised the free transactions limits and review of interchange Fee and customer charges Vide cir no:RBI/2021-22/52DPSS.CO.OD.No.s-182/06.07.011/2021-22 Dated:June 10,2021
2. Other CentersSERVICE CHARGES
1. Own & SBI ATM1. Classic Card: 5 Transactions
2. Platinum Card: 5 Transactions
2. Other Bank ATM1. Classic Card: 5 Transactions
2. Platinum Card: 5 Transactions
4(ii)Charges for financial transactions beyond the set limit (Rs. Per Txn)
1. Own & SBI ATM1. Classic Card: Rs.10/- + GST
2. Platinum Card: Rs.10/- + GST
2. Other Bank ATM1. Classic Card: Rs.21/- + GST *
2. Platinum Card: Rs.21/- + GST *
5Charges for Non - Financial transactions beyond the set limit (Rs. Per Txn)
1. Own & SBI ATM1. Classic Card: Rs.5/- + GST
2. Platinum Card: Rs.5/- + GST
2. Other Bank ATM1. Classic Card: Rs.9/- + GST *
2. Platinum Card: Rs.9/- + GST *
6Transaction declined due to
insufficient balance(Per Txn)
Rs. 25/- + GST for all the cards
(SBI ATMs & Other Bank ATMs)
7ATM Card/Kit returned by courier
due to wrong address
Rs.100/- + GST for all the cards
* Staff are exempted from levy of charges mentioned in Sr.No: 4 & 5 except for transactions made at other bank
ATMs upon exceeding free monthly transaction limits.


CURRENT ACCOUNT / SAVINGS ACCOUNT
1Description of serviceSERVICE CHARGES
Issue of Cheque Books:CTS/MICR - SB & CA: Rs.3.50 per leaf (No cheque leaf is free) 
2Charges for non-maintenance of Monthly Average BalanceThere shall be no monthly average
balance charges for all Savings Bank accounts
Though the penalties for non-maintenance of monthly average balances have been waived off, minimum balances prescribed for Savings Bank account other than BSBDA shall be continued and shall be as under.
3MONTHLY AVERAGE BALANCES
ProductMonthly Average Balances
SB - RuralRs.500/-
SB - Semi UrbanRs.1000/-
SB - Urban / MetroRs. 2,000/-
CA – Rural
(Monthly Average Balance – Rs.2500)
Rs.220/- + GST per quarter
CA-Semi-Urban & Urban (Monthly Average Balance -
Rs.5000)
Rs.220/- + GST per quarter
4Quarterly Maintenance Charges – SB & CA A/c's (incl Inoperative A/c's)Rs.15/- + GST per quarter
5Issue of duplicate pass book with
present balance
Rs.150/- + GST
6Statement of account : Current AccountFirst page: Free
Next::Rs.100/- + GST per page (40 entries)
7A/c closure within 12 months (Transfer of A/c is exempted)

Savings Bank Accounts: Rs.200/- + GST Individuals (Excluding Basic & Small accounts under Financial Inclusion)

Current Accounts: Rs.600/- + GST  for Non individual & Individual Current Accounts (excluding Govt.Accounts)

8Inoperative accounts (SB/CA)
Nil


DEMAND DRAFTS / BANKER'S CHEQUE
Description of serviceSERVICE CHARGES
1Issue of Inter Office Instrument (BC/DD) charges
Upto Rs.5,000/-Rs.25/- + GST
Above Rs.5,000/- Upto Rs.10,000/-Rs.50/- + GST
Above Rs.10,000/- Upto Rs.
1,00,000/-
Rs.5/- + GST per Rs.1000/- (Min Rs.60/-
+ GST )
Above Rs.1,00,000/-Rs.4/- + GST per Rs.1000/-
(Min.600/- + GST / Max 2000/- + GST)
(No additional cash handling charges)
2Cancellation / Revalidation of BC/ DDRs.200/- + GST (per instance)
3Issue of duplicate BC/DD/TDR/STDRRs.200/- + GST (per instance) 


NEFT /RTGS/IMPS
Description of serviceSERVICE CHARGES
1NEFT (National Electronic Funds Transfer)
NEFT Customer Transaction (Through Mobile Banking & Internet Banking)
Upto Rs.10,000/-Rs.1/- + GST
Above Rs.10,000/- upto Rs.1.00 LakhRs.2/- + GST
Above Rs.1.00 Lakh upto Rs.2.00 LakhRs.3/- + GST
Above Rs.2.00 LakhRs.5/- + GST
2NEFT Customer Transactions at branches
Upto Rs.10,000/-Rs.2.50/- +GST
Above Rs.10,000/- upto Rs.1.00 LakhRs. 5/- + GST
Above Rs.1.00 Lakh upto Rs.2.00 LakhRs. 15/- + GST
Above Rs.2.00 LakhRs. 25/- + GST
3RTGS (Real Time Gross Settlement)
i. Customer Transaction (Through Mobile Banking & Internet Banking)
Rs.2.00 Lakh upto Rs.5.00 LakhRs. 5/- + GST
Above Rs.5.00 LakhRs. 10/- + GST
ii. RTGS Customer Transactions at branches
Rs.2.00 Lakh upto Rs.5.00 LakhRs.30/- + GST
Above Rs.5.00 LakhRs.60/- + GST
4IMPS
i. Customer Transaction (Through Mobile Banking & Internet Banking)Rs.6/- + GST
ii. Customer Transactions at branches
Upto Rs.1000/-Free
From Rs.1000/- to Rs. 10,000/-Rs.2/- +GST
From Rs.10,001/- to Rs.25,000/-Rs. 4/- + GST
From Rs.25,001/- to Rs.
1,00,000/-
Rs. 6/- + GST
From RS.1,00,001/- upto
Rs.2,00,000/-
Rs. 18/- + GST.
Note: Staff excluded from above NEFT/RTGS/IMPS Charges


DEBIT CARD / ATM
1Description of serviceSERVICE CHARGES
i. Issuance of New CardClassic Card: Nil
Platinum Card: Rs : 200 /- + GST
ii. Issuance of Duplicate CardClassic Card: Rs : 300/- + GST
Platinum Card: 300/- + GST
iii. Issuance of Duplicate PIN / Regeneration of PIN through BranchClassic Card: Rs : 60/- + GST Platinum Card: Rs : 60/- + GST
iv. Annual Maintenance Charges
from 2nd year of card issuance
Classic Card: Rs :200/- + GST
Platinum Card: Rs :300/- + GST
Point of Sale (PoS) / e-Com Transactions
3% of Transaction amount + GST
Note: Staff are exempted from levy of charges in Issuance and Maintenance charges


OTHER MISCELLANEOUS CHARGES
Description of serviceSERVICE CHARGES
1Balance certificate for all segments - per instanceRs.160/- + GST
2Penalty for late payment of RD InstallmentsRs.2/- per 100/- per month.
3Postal ChargesOrdinary: Actuals (Min Rs.25/-) Regd/Speed/Courier: Actuals (Min Rs.60/-)
4Standing InstructionsRs.60/- + GST per instruction
5Addition / Deletion of names in deposit A/csRs.100/-+GST per occasion
6Interest Certificate (Deposit/Home Loan/Education Loan)Rs.150/-+GST
7TDR/STDR pertaining to our customers received from other Banks for paymentProceeds should be paid through NEFT/RTGS/DD/BC - Charges as applicable to NEFT/RTGS/DD/BC
8SMS AlertsRs.20/- + GST per quarter
9Loss of Gold Loan slipRs.115/- + GST
10Enquiries relating to old records (beyond 12 months old) for all segmentsRs. 200/- + GST per item
11Allowing operations through Power of Attorney/ MandateRs. 500/- + GST for Individual
Rs. 1000/- + GST for Non Individual


CHEQUE COLLECTION / NACH
Description of service Service Charge
1 Outstation cheque collection charges (Incl of post & out of pocket exp) all segments
i.Upto Rs.5,000/- Rs.30/- + GST
ii.Above Rs.5,000/- upto Rs.10,000/- Rs.60/- + GST
iii.Above Rs.10,000/- upto Rs.1,00,000/- Rs.100/- + GST
iii.Above Rs.1,00,000/- upto Rs.5,00,000/- Rs.200/- + GST
iv.Above Rs.5,00,000/- Rs.250/- + GST
v. Postal charges on outstation Cheques Nil
vi. Cheques relating to Subsidy/ MMoney Nil
2 i. Outstation Cheques deposited Returned unpaid by others Rs.260/- + GST
ii. Outstation Cheques deposited Returned unpaid for technical reasons Rs.160/- + GST (Not to be charges where customer is not at fault as per RBI guidelines)
3
i.Local Cheques: Collection charges Nil
ii.Local Cheques returned unpaid for insufficient balance - Charges Rs.500/- + GST (irrespective of amount)
iii.Local Cheques returned unpaid for other reasons–Charges Rs.160/- + GST per instrument.
(Not to be charged where customer is not at fault as per RBI guidelines)
4 Stop payment cheque SB A/cs Rs.60/- + GST per instrument
CA/CC A/cs Rs.110/-+ GST per instrument
5 If Cheques are issued through A/c of Govt dept. Nil
6 Record copy of cheque Rs.160/- + GST per instrument
7 National Automated Clearing House (NACH) Mandate including E-mandate) 1.One time Mandate Authorization per Mandate Rs.50/- + GST
2. Failed mandate Rs.260/- + GST
8 DDCP charges Int @ 0.50% + collection charges + out of pocket expenses
In case of cheque returned, interest @ 16% pa after adjusting 0.50% interest