Fee and charges

Minimum Monthly Average Balance (INR) Nil
Fund Transfers • NEFT initiated through online channels are not chargeable
• UPI transaction are not chargeable
Account Closure Charges Free if closed after 1 year (Charges applicable of INR100 only if closed within a year)
IMPS:
Up to INR 25000 INR 2.5 per transaction
INR 25000-INR 1 Lakh INR 5 per transaction
INR 1 Lakh- INR 2 Lakh INR 15 per transaction
NEFT:
Up to INR 10,000 INR 2.25 per transaction
INR 10,000-INR 1 Lakh INR 4.75 per transaction
INR 1 Lakh-INR 2 Lakh INR 14.75 per transaction
Above INR 2 Lakhs INR 24.75 per transaction
RTGS*:
INR 2 Lakhs-INR 5 Lakhs INR 17 per transaction
Above INR 5 Lakhs INR 44 per transaction
Cash INR 4 per INR 1000 of cash transaction with minimum charge INR 50
Debit Card/ATM Charges • Debit card annual maintenance fees: INR 30 per month but waived off for first year
• Debt card reissuance fees (replacement of lost card): INR 200
• ATM (Fincare ATM/Non Fincare ATM) Financial/Non-Financial Transactions- 5 transactions per month in non-metro at nil charges
• And 3 transactions per month in metro at nil charges;
• Thereafter Financial transaction: INR 19 per transaction;
• Non-Financial transaction: INR 10 per transaction
• All the above charges are applicable for physical debit card only
• Free Virtual Debit card will be provided once the Account is Opened successfully. [The Physical Gold debit card can be availed at a charge of Rs. 249 + GST (One time charge)]
Cheque Book • Cheque book issuance charge** (25 leaves/book): INR 50
• CTS Cheque deposited return due to insufficient funds: INR 100 per instance;
• CTS Cheque deposited return due to other reasons: INR 50 per instance;
• CTS Cheque issued return due to insufficient funds: INR 300 per instance;
• CTS Cheque issued return due to other reasons: INR 100
• Non CTS Cheques Deposited Return for Insufficient Funds: INR 500 Per Instance;
• Non CTS Cheques Deposited Return for Other Reasons: INR 200 Per Instance;
• Stop Payment per Cheque: INR 100 Per Instance;
• Stop Payment - Cheque series: INR 100 Per Instance;
Locker Charges • Category A (Small) - INR 2000 Annually
• Category C (Med) - INR 3000 Annually
• Category F (Large) - INR 5000 Annually
Branch Requests Any request chargeable at INR 100 per request
Statements & Alerts SMS and E-mail alerts: NIL
Important Information: • Charges are exclusive of the Goods and Service Tax (GST)
• As per RBI guidelines, Business/Commercial transactions are not permitted in the Savings Accounts
• The above charges are subject to revision. Any change of charges will be intimated to the customer within a reasonable
period prior to effecting any respective changes, as per Bank’s Policy
Minimum Monthly Average Balance (INR) • Monthly Average Minimum Balance: INR 25000 per month
• Non maintenance of AMB will be charged at INR 300 pro-rata of shortfall
Fund Transfers • 50 transactions per month free across IMPS, NEFT, RTGS* and across any of the bank’s channels ( online, branch, etc.)
• Charges if transactions exceed 50 transactions for the month
• NEFT initiated through online channels are not chargeable
• UPI transaction are not chargeable
Account Closure Charges Free if closed after 1 year (Charges applicable of INR100 only if closed within a year)
IMPS:
Up to INR 25000 INR 2.5 per transaction
INR 25000-INR 1 Lakh INR 5 per transaction
INR 1 Lakh- INR 2 Lakh INR 15 per transaction
NEFT:
Up to INR 10,000 INR 2.25 per transaction
INR 10,000-INR 1 Lakh INR 4.75 per transaction
INR 1 Lakh-INR 2 Lakh INR 14.75 per transaction
Above INR 2 Lakhs INR 24.75 per transaction
RTGS*:
INR 2 Lakhs-INR 5 Lakhs INR 17 per transaction
Above INR 5 Lakhs INR 44 per transaction
Cash • Charges for cash deposit transaction: INR 4 per INR 1000 with minimum charge INR 50
• INR 4 per INR 1000 of cash withdrawal transaction with minimum charge INR 50
Debit Card/ATM Charges • Debit card annual maintenance fees: Nil
• Debt card reissuance fees (replacement of lost card): INR 100
• ATM (Fincare ATM/Non Fincare ATM) Financial/Non-Financial Transactions- 12 transactions per month at nil charges;
thereafter Financial transaction: INR 19 per transaction at Fincare ATM and
INR 19 per transaction at Non-Fincare ATM; Non-Financial transaction: INR 10 per transaction at Fincare ATM and INR 10 per transaction at Non-Fincare ATM
• Non-Financial transaction: INR 10 per transaction
• All the above charges are applicable for physical debit card only
• Free Virtual Debit card will be provided once the Account is Opened successfully. [The Physical Platinum debit card can be availed at a charge of Rs. 499 + GST (One time charge)]
Cheque Book** • Cheque book issuance charge (25 leaves/book): INR 50
• CTS Cheque deposited return due to insufficient funds: INR 100 per instance;
• CTS Cheque deposited return due to other reasons: INR 50 per instance;
• CTS Cheque issued return due to insufficient funds: INR 300 per instance with waiver of 1 such instance per month;
• CTS Cheque issued return due to other reasons: INR 100 per instance with waiver of 1 such instance per month
• Non CTS Cheques Deposited Return for Insufficient Funds: INR 500 Per Instance;
• Non CTS Cheques Deposited Return for Other Reasons: INR 200 Per Instance;
Locker Charges • Category A (Small) - INR 2000 Annually
• Category C (Med) - INR 3000 Annually
• Category F (Large) - INR 5000 Annually
Branch Requests Any request chargeable at INR 100 per request
Statements & Alerts SMS and E-mail alerts: Nil
Important Information: Charges are exclusive of the Goods and Service Tax (GST)
As per RBI guidelines, Business/Commercial transactions are not permitted in the Savings Accounts
The above charges are subject to revision. Any change of charges will be intimated to the customer within a
reasonable period prior to effecting any respective changes, as per Bank’s Policy
*RTGS available only after conversion to full KYC account
** Cheque available only per request