Fee and charges

Account Opening
Service / Transaction Type Charges (Excluding GST) Waivers / Benefits
Account Closure - Individual ₹100 per instance Free if closed after 1 Year (Charges applicable only if closed within a year)
Charges Applicable if Balance below Min Balance ₹300
prorata of shortfall of 25K
MAB waiver, if FD value amount >= ₹50k*

*MAB waiver is applicable June 2022 onwards subject to FD value is >=50k

Cards
Service / Transaction Sub Type Charges (Excluding GST) Waivers / Benefits
Instakit Issuance 0  
Personalized Card Issuance Nil*  
Debit Card Maintainence Charges** Nil  
Debit Card Re-issuance/Add on Card - Insta Card** ₹200  
Debit Card Re-issuance/Add on Card - personalised** ₹200  
Debit Card withdrawal transactions at Fincare ATM** ₹20 Per Transactions (Beyond Free) 15 Transactions per month is free at Fincare ATM, Non-Metro(Other Banks) ATM, Metro (Other Banks) ATM Inclusive Financial & Non-Financial Transactions.
Debit Card Non-Financial transactions at Fincare ATM Nil
Debit Card withdrawal transactions at Non- Fincare ATM ₹21 Per Transactions (Beyond Free)
Debit Card Non-Financial transactions at Non-Fincare ATM ₹11 Per Transactions (Beyond Free)
Cheque
Service / Transaction Sub Type Charges (Excluding GST) Waivers / Benefits
CTS Cheques Deposited Return for Insufficient Funds ₹100 per instance  
CTS Cheques Deposited Return for Other Reasons ₹50 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
NACH return - Insufficient Funds ₹300  
NACH return - Other Reasons ₹100  
Instakit Cheque book (25 Leaves / Book# NA  
Instakit Cheque book (100 Leaves / Book) NA  
Issuance / Reissuance Cheque book (25 Leaves / Book) 1 Free Per Quarter
Subsequent Chargeable ₹50 Per Instance
1 free per Quarter
Issuance / Reissuance Cheque book (100 Leaves / Book) NA  
Stop Payment per Cheque 0 1 Per month
Stop Payment - Cheque series 0 1 Per month

#Cheque book facility is available for customers who have completed the full KYC.

Alerts & Notifications
Service / Transaction Sub Type Charges (Excluding GST) Waivers / Benefits
Subscription for SMS Alerts 0  
Cash Transactions
Service / Transaction Sub Type Charges (Excluding GST) Waivers / Benefits
Cash deposit transactions (home & non home branch) After the free limit, ₹4 per 1,000. Minimum charge of ₹50. No free transactions
Cash withdrawal transactions (home & non home branch) After the free limit, ₹4 per 1,000. Minimum charge of ₹50. No free transactions
Locker Charges
Service / Transaction Sub Type Charges (Excluding GST) 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 (Excluding GST) Waivers / Benefits
IMPS Transfer Upto ₹25,000: ₹2.5/TX 50 per month (NEFT, RTGS, IMPS together)
₹25,001-₹1,00,000: ₹5/TX
₹1,00,001-₹2,00,000-₹15/TX
RTGS Transfer ₹2,00,000-₹5,00,000: ₹17/ TX
Above ₹5 Lakhs: ₹44/TX
NEFT Transfer* Upto ₹10000: ₹2.25/TX
₹10001-₹1,00,000: ₹4.75/TX
₹1,00,001-₹2,00,000: ₹14.75/TX
Above ₹2 Lakhs: ₹24.75/TX

*NEFT Transaction through MB & IB should not be charged

Account Opening
Service / Transaction Type Charges (Excluding GST) Waivers / Benefits
Account Closure - Individual ₹100 per instance Free if closed after 1 Year (Charges applicable only if closed within a year)
Charges Applicable if Balance below Min Balance ₹300
prorata of shortfall of ₹10K
MAB waiver, if FD value amount >= ₹20k*

*MAB waiver is applicable June 2022 onwards subject to FD value is >=20k

Cards
Service / Transaction Sub Type Charges (Excluding GST) Waivers / Benefits
Instakit Issuance 0  
Personalized Card Issuance Nil*  
Debit Card Maintainence Charges** Nil  
Debit Card Re-issuance/Add on Card - Insta Card** ₹200  
Debit Card Re-issuance/Add on Card - personalised** ₹200  
Debit Card withdrawal transactions at Fincare ATM** ₹20 Per Transactions (Beyond Free) 12 Transactions per month is free at Fincare ATM, Non-Metro(Other Banks) ATM, Metro (Other Banks) ATM Inclusive Financial & Non-Financial Transactions.
Debit Card Non-Financial transactions at Fincare ATM Nil
Debit Card withdrawal transactions at Non- Fincare ATM ₹21 Per Transactions (Beyond Free)
Debit Card Non-Financial transactions at Non-Fincare ATM ₹11 Per Transactions (Beyond Free)
Cheque
Service / Transaction Sub Type Charges (Excluding GST) Waivers / Benefits
CTS Cheques Deposited Return for Insufficient Funds ₹100 per instance  
CTS Cheques Deposited Return for Other Reasons ₹50 per instance  
CTS Cheque issued return - Insufficient Funds ₹300 per instance  
CTS Cheque issued return - Other Reasons ₹100 per instance  
NACH return - Insufficient Funds ₹300  
NACH return - Other Reasons ₹100  
Instakit Cheque book (25 Leaves / Book) NA  
Instakit Cheque book (100 Leaves / Book) NA  
Issuance / Reissuance Cheque book (25 Leaves / Book) 1 Free Per Year
Subsequent Chargeable ₹50 Per Instance
1 free per Year
Issuance / Reissuance Cheque book (100 Leaves / Book) NA  
Stop Payment per Cheque ₹100 per instance  
Stop Payment - Cheque series ₹300 per instance  

#Cheque book facility is available for customers who have completed the full KYC.

Alerts & Notifications
Service / Transaction Sub Type Charges (Excluding GST) Waivers / Benefits
Subscription for SMS Alerts 0  
Cash Transactions
Service / Transaction Sub Type Charges (Excluding GST) Waivers / Benefits
Cash deposit transactions (home & non home branch) After the free limit, ₹4 per 1,000. Minimum charge of ₹50. No free transactions
Cash withdrawal transactions (home & non home branch) After the free limit, ₹4 per 1,000. Minimum charge of ₹50. No free transactions
Locker Charges
Service / Transaction Sub Type Charges (Excluding GST) 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 (Excluding GST) Waivers / Benefits
IMPS Transfer Upto ₹25,000: ₹2.5/TX 50 per month (NEFT, RTGS, IMPS together)
₹25,001-₹1,00,000: ₹5/TX
₹1,00,001-₹2,00,000-₹15/TX
RTGS Transfer ₹2,00,000-₹5,00,000: ₹17/ TX
Above ₹5 Lakhs: ₹44/TX
NEFT Transfer* Upto ₹10000: ₹2.25/TX
₹10001-₹1,00,000: ₹4.75/TX
₹1,00,001-₹2,00,000: ₹14.75/TX
Above ₹2 Lakhs: ₹24.75/TX

*NEFT Transaction through MB & IB should not be charged

Account Opening
Service / Transaction Type Charges (Excluding GST) Waivers / Benefits
Account Closure - Individual ₹100 per instance Free if closed after 1 Year (Charges applicable only if closed within a year)
Charges Applicable if Balance below Min Balance NA NA
Cards
Service / Transaction Sub Type Charges (Excluding GST) Waivers / Benefits
Instakit Issuance 0  
Personalized Card Issuance NA  
Debit Card Maintainence Charges** Nil  
Debit Card Re-issuance/Add on Card - Insta Card** ₹200  
Debit Card Re-issuance/Add on Card - personalised** ₹200  
Debit Card withdrawal transactions at Fincare ATM** ₹20 Per Transactions (Beyond Free) 8 Transactions per month is free at Fincare ATM, Non-Metro(Other Banks) ATM, Metro (Other Banks) ATM Inclusive Financial & Non-Financial Transactions.
Debit Card Non-Financial transactions at Fincare ATM Nil
Debit Card withdrawal transactions at Non- Fincare ATM ₹21 Per Transactions (Beyond Free)
Debit Card Non-Financial transactions at Non-Fincare ATM ₹11 Per Transactions (Beyond Free)

**Free Virtual debit card will be issued once the account opened successfully. (Physical debit card can be availed on request at the charge of ₹249 + GST)

Annual Maintainence charge on debit card will be applicable for Physical debit card only

Cheque
Service / Transaction Sub Type Charges (Excluding GST) Waivers / Benefits
CTS Cheques Deposited Return for Insufficient Funds ₹100 per instance  
CTS Cheques Deposited Return for Other Reasons ₹50 per instance  
CTS Cheque issued return - Insufficient Funds ₹300 per instance  
CTS Cheque issued return - Other Reasons ₹100 per instance  
NACH return - Insufficient Funds ₹300  
NACH return - Other Reasons ₹100  
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 ₹100 per instance  

#Cheque book facility is available for customers who have completed the full KYC.

Alerts & Notifications
Service / Transaction Sub Type Charges (Excluding GST) Waivers / Benefits
Subscription for SMS Alerts 0  
Cash Transactions
Service / Transaction Sub Type Charges (Excluding GST) Waivers / Benefits
Cash deposit transactions (home & non home branch) After the free limit, ₹4 per 1,000. Minimum charge of ₹50. No free transactions
Cash withdrawal transactions (home & non home branch) After the free limit, ₹4 per 1,000. Minimum charge of ₹50. No free transactions
Locker Charges
Service / Transaction Sub Type Charges (Excluding GST) 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 (Excluding GST) Waivers / Benefits
IMPS Transfer Upto ₹25,000: ₹2.5/TX  
₹25,001-₹1,00,000: ₹5/TX
₹1,00,001-₹2,00,000-₹15/TX
RTGS Transfer ₹2,00,000-₹5,00,000: ₹17/ TX  
Above ₹5 Lakhs: ₹44/TX
NEFT Transfer* Upto 10000: ₹2.25/TX
₹10001-₹1,00,000: ₹4.75/TX
₹1,00,001-₹2,00,000: ₹14.75/TX
Above ₹2 Lakhs: ₹24.75/TX

*NEFT Transaction through MB & IB should not be charged