X

Schedule of Charges

Expand All
Choose Your Relevant Product
Smart Saver
Priority Account
Priority Plus Account
Loan Against Gold
Smart Saver
Account Opening
Service / Transaction Type
Charges
Waivers / Benefits
Account Closure -Indiv/ Joint CASA & Sole Prop CA
₹100 per instance
Free if closed after 1 Year (Charges applicable only if closed within a year)
Account Closure- Partnership & Corporates
₹500 per instance
Free if closed after 1 Year (Charges applicable only if closed within a year)
Charges applicable if Balance below min balance
₹50 monthly (pro-rata)
NA
Cards
Service / Transaction Sub Type
Charges
Waivers / Benefits
Instakit Card Issuance
₹200 per instance
Personalized Card Issuance
₹200 per instance
Debit Card Maintainence Charges
₹200 Annual
Waived off for first year
Debit Card re-issuance/ Add on Card - Insta Card
₹200 per instance
Debit Card re-issuance/ Add on Card - Personalised
₹200 per instance
Debit card withdrawal transactions at Fincare ATM
₹19 per transaction (beyond free)
5 transaction per month in Non metro + 3 transaction per month in metro locations
Debit card non-financial transactions at Fincare ATM
₹9 per transaction (beyond free)
5 transaction per month in Non metro + 3 transaction per month in metro locations
Debit card withdrawal transactions at Non-Fincare ATM
₹25 per transaction (beyond free)
5 transaction per month in Non metro + 3 transaction per month in metro locations
Debit card non-financial transactions at Non-Fincare ATM
₹10 per transaction (beyond free)
5 transaction per month in Non metro + 3 transaction per month in metro locations
Cheque
Service / Transaction Sub Type
Charges
Waivers / Benefits
Non-CTS Cheque Deposited
( Upto 5000: ₹ 50 5K-10K: ₹ 100 10k - 20k: 200 20k-50k: 500 >50K: 1%)
0
CTS Cheques Deposited Return for Insufficient Funds
₹100 per instance
CTS Cheques Deposited Return for Other Reasons
₹50 per instance
Non CTS Cheques Deposited Return for Insufficient Funds
₹500 per instance
Non CTS Cheques Deposited Return for Other Reasons
₹200 per instance
CTS Cheque issued return - Insufficient Funds
₹300 per instance
CTS Cheque issued return - Other Reasons
₹100 per instance
Instakit Cheque book (25 Leaves / Book)
NA
Instakit Cheque book (100 Leaves / Book)
NA
Issuance/ Reissuance Cheque book (25 Leaves / Book)
₹50 per instance
Issuance/ Reissuance Cheque book (100 Leaves / Book)
NA
Stop Payment per Cheque
₹100 per instance
Stop Payment - Cheque series
₹300 per instance
Alerts & Notifications
Service / Transaction Sub Type
Charges
Waivers / Benefits
Subscription for SMS Alerts
₹10 per month
Cash Transactions
Service / Transaction Sub Type
Charges
Waivers / Benefits
Cash transactions (home & non home branch)
After the free limit, ₹ 4 per 1,000. Minimum charge of ₹ 50. per instance based on the value
Free 2 transactions per month
Cash withdrawal transactions (home & non home branch)
After the free limit, ₹ 4 per 1,000. Minimum charge of ₹ 50. per instance based on the value
Free 2 transactions per month
Locker Charges
Service / Transaction Sub Type
Charges
Waivers / Benefits
Locker Charge - Category A (Small )
₹2000 annually
Category C (Medium)
₹3000 annually
Category F (Large)
₹5000 annually
Transfers
Service / Transaction Sub Type
Charges
Waivers / Benefits
IMPS Transfer
(Upto 25000: 2.5/TX 25000-1 Lakh: 5/TX 1 Lakh-2 Lakh- 15/TX) per instance
RTGS Transfer
( 2 Lakh-5 Lakh: Up to 22/ TX 5 Lakh Above: Upto 49/TX) per instance
NEFT Transfer
Upto 10000: Upto 2.5/TX 10000-1 Lakh: Upto 5/TX 1 Lakh-2 Lakh: Upto 15/TX Above 2 Lakhs: Upto 25/TX per instance
Priority Account
Account Opening
Service / Transaction Type
Charges
Waivers / Benefits
Account Closure -Indiv/ Joint CASA & Sole Prop CA
₹100 per instance
Free if closed after 1 Year (Charges applicable only if closed within a year)
Account Closure- Partnership & Corporates
₹500 per instance
Free if closed after 1 Year (Charges applicable only if closed within a year)
Charges applicable if Balance below min balance
₹300 monthly (pro-rata)
NA
Cards
Service / Transaction Sub Type
Charges
Waivers / Benefits
Instakit Card Issuance
₹200 per instance
Personalized Card Issuance
₹200 per instance
Debit Card Maintainence Charges
₹200 annually
Waived off for first year
Debit Card re-issuance/ Add on Card - Insta Card
₹200 per instance
Debit Card re-issuance/ Add on Card - Personalised
₹200 per instance (beyond free)
Debit card withdrawal transactions at Fincare ATM
₹19 per transaction (beyond free)
12 transactions per month
Debit card non-financial transactions at Fincare ATM
₹9 per transaction (beyond free)
12 transactions per month
Debit card withdrawal transactions at Non-Fincare ATM
₹25 per transaction (beyond free)
12 transactions per month
Debit card non-financial transactions at Non-Fincare ATM
₹10 per transaction (beyond free)
12 transactions per month
Cheque
Service / Transaction Sub Type
Charges
Waivers / Benefits
Non-CTS Cheque Deposited
( Upto 5000: ₹ 50 5K-10K: ₹ 100 10k - 20k: 200 20k-50k: 500 >50K: 1%) Per Instance
0
CTS Cheques Deposited Return for Insufficient Funds
₹100 per instance
CTS Cheques Deposited Return for Other Reasons
₹50 per instance
Non CTS Cheques Deposited Return for Insufficient Funds
₹500 per instance
Non CTS Cheques Deposited Return for Other Reasons
₹200 per instance
CTS Cheque issued return - Insufficient Funds
₹300 per instance
1 per month
CTS Cheque issued return - Other Reasons
₹100 per instance
1 per month
Instakit Cheque book (25 Leaves / Book)
Free
Instakit Cheque book (100 Leaves / Book)
NA
Issuance/ Reissuance Cheque book (25 Leaves / Book)
₹50 per instance
Issuance/ Reissuance Cheque book (100 Leaves / Book)
NA
Stop Payment per Cheque
₹100 per instance
1 per month
Stop Payment - Cheque series
₹300 per instance
1 per month
Alerts & Notifications
Service / Transaction Sub Type
Charges
Waivers / Benefits
Subscription for SMS Alerts
₹10 per month
Cash Transactions
Service / Transaction Sub Type
Charges
Waivers / Benefits
Cash transactions (home & non home branch)
After the free limit, ₹ 4 per 1,000. Minimum charge of ₹ 50. per instance based on the value
Free 2 transactions per month
Cash withdrawal transactions (home & non home branch)
After the free limit, ₹ 4 per 1,000. Minimum charge of ₹ 50 per instance based on the value
Free 2 transactions per month
Locker Charges
Service / Transaction Sub Type
Charges
Waivers / Benefits
Locker Charge - Category A (Small )
₹2000 annually
Category C (Medium)
₹3000 annually
Category F (Large)
₹5000 annually
Transfers
Service / Transaction Sub Type
Charges
Waivers / Benefits
IMPS Transfer
(Upto 25000: 2.5/TX 25000-1 Lakh: 5/TX 1 Lakh-2 Lakh- 15/TX) per instance
₹50 per month (NEFT, RTGS, IMPS together)
RTGS Transfer
( 2 Lakh-5 Lakh: Up to 22/ TX 5 Lakh Above: Upto 49/TX) per instance
₹50 per month (NEFT, RTGS, IMPS together)
NEFT Transfer
Upto 10000: Upto 2.5/TX 10000-1 Lakh: Upto 5/TX 1 Lakh-2 Lakh: Upto 15/TX Above 2 Lakhs: Upto 25/TX per instance
50 per month (NEFT, RTGS, IMPS together)
Priority Plus Account
Account Opening
Service / Transaction Type
Charges
Waivers / Benefits
Account Closure -Indiv/ Joint CASA & Sole Prop CA
₹100 per instance
Free if closed after 1 Year (Charges applicable only if closed within a year)
Account Closure- Partnership & Corporates
₹500 per instance
Free if closed after 1 Year (Charges applicable only if closed within a year)
Charges applicable if Balance below min balance
₹500 monthly (pro-rata)
NA
Cards
Service / Transaction Sub Type
Charges
Waivers / Benefits
Instakit Card Issuance
Free
Personalized Card Issuance
Free
Debit Card Maintainence Charges
Free
Debit Card re-issuance/ Add on Card - Insta Card
Free
Debit Card re-issuance/ Add on Card - Personalised
₹100 per instance
Debit card withdrawal transactions at Fincare ATM
₹19 per transaction (beyond free)
15 transactions free per month
Debit card non-financial transactions at Fincare ATM
Free
Debit card withdrawal transactions at Non-Fincare ATM
₹25 per transaction (beyond free)
15 transactions free per month
Debit card non-financial transactions at Non-Fincare ATM
₹10 per transaction (beyond free)
15 transactions free per month
Cheque
Service / Transaction Sub Type
Charges
Waivers / Benefits
Non-CTS Cheque Deposited
( Upto 5000: ₹ 50 5K-10K: ₹ 100 10k - 20k: 200 20k-50k: 500 >50K: 1%) per instance
0
CTS Cheques Deposited Return for Insufficient Funds
Free
CTS Cheques Deposited Return for Other Reasons
Free
Non CTS Cheques Deposited Return for Insufficient Funds
₹500 per instance
Non CTS Cheques Deposited Return for Other Reasons
₹200 per instance
CTS Cheque issued return - Insufficient Funds
₹300 per instance
5 per month
CTS Cheque issued return - Other Reasons
₹100 per instance
5 per month
Instakit Cheque book (25 Leaves / Book)
Free
Instakit Cheque book (100 Leaves / Book)
NA
Issuance/ Reissuance Cheque book (25 Leaves / Book)
₹50 per instance
4 per month
Issuance/ Reissuance Cheque book (100 Leaves / Book)
NA
Stop Payment per Cheque
₹100 per instance
5 per month
Stop Payment - Cheque series
₹300 per instance
5 per month
Alerts & Notifications
Service / Transaction Sub Type
Charges
Waivers / Benefits
Subscription for SMS Alerts
Free
Cash Transactions
Service / Transaction Sub Type
Charges
Waivers / Benefits
Cash transactions (home & non home branch)
Free
Cash withdrawal transactions (home & non home branch)
Free
Locker Charges
Service / Transaction Sub Type
Charges
Waivers / Benefits
Locker Charge - Category A (Small )
₹2000 annually
Category C (Medium)
₹3000 annually
Category F (Large)
₹5000 annually
Transfers
Service / Transaction Sub Type
Charges
Waivers / Benefits
IMPS Transfer
Free
100 transactions per month (NEFT, RTGS, IMPS together)
RTGS Transfer
Free
100 transactions per month (NEFT, RTGS, IMPS together)
NEFT Transfer
Free
100 transactions per month (NEFT, RTGS, IMPS together)
Loan Against Gold
Charges & Fees
Service / Transaction Type
Charges
Waivers / Benefits
Processing Fees
0% to 1%
NA
Foreclosure Charges
0% to 1%
NA
Renewal Charges
0% to 0.5%
NA
Valuation Charges
NIL
NA
Part Payment Charges
NIL
NA
Penal Interest
1% on outstanding principal
NA