| Average Monthly Balance (AMB)
|
Nil
|
| Debit transactions - Withdrawals / Transfers / Outward Remittance
|
| DD at Branch Location / Pay Order
|
Up to 4 withdrawals in a month - Free
(Value of all withdrawals should not exceed
Rs. 10k in a month)
(Includes ATMs withdrawals, RTGS, IMPS,
Clearing, branch, cash withdrawal, transfer,
internet debits, standing instructions, EMI, etc)
|
| DD at other than Branch Location
|
Up to 4 withdrawals in a month - Free
(Value of all withdrawals should not exceed
Rs. 10k in a month)
(Includes ATMs withdrawals, RTGS, IMPS,
Clearing, branch, cash withdrawal, transfer,
internet debits, standing instructions, EMI, etc)
|
| DD/ PO through Net Banking
|
Up to 4 withdrawals in a month - Free
(Value of all withdrawals should not exceed
Rs. 10k in a month)
(Includes ATMs withdrawals, RTGS, IMPS,
Clearing, branch, cash withdrawal, transfer,
internet debits, standing instructions, EMI, etc)
|
| Fund Transfer
|
Up to 4 withdrawals in a month - Free
(Value of all withdrawals should not exceed
Rs. 10k in a month)
(Includes ATMs withdrawals, RTGS, IMPS,
Clearing, branch, cash withdrawal, transfer,
internet debits, standing instructions, EMI, etc)
|
| NEFT (Per Transaction) **
|
Up to 4 withdrawals in a month - Free
(Value of all withdrawals should not exceed
Rs. 10k in a month)
(Includes ATMs withdrawals, RTGS, IMPS,
Clearing, branch, cash withdrawal, transfer,
internet debits, standing instructions, EMI, etc)
Nil charges for NEFT done through Mobile banking / Net Banking
|
| RTGS (Per Transaction)
|
Up to 4 withdrawals in a month - Free
(Value of all withdrawals should not exceed
Rs. 10k in a month)
(Includes ATMs withdrawals, RTGS, IMPS,
Clearing, branch, cash withdrawal, transfer,
internet debits, standing instructions, EMI, etc)
|
| Cash Withdrawal at Home & Non Home Location
|
Up to 4 withdrawals in a month - Free
(Value of all withdrawals should not exceed
Rs. 10k in a month)
(Includes ATMs withdrawals, RTGS, IMPS,
Clearing, branch, cash withdrawal, transfer,
internet debits, standing instructions, EMI, etc)
|
| Cash Withdrawal at own ATM##
|
Up to 4 withdrawals in a month - Free
(Value of all withdrawals should not exceed
Rs. 10k in a month)
(Includes ATMs withdrawals, RTGS, IMPS,
Clearing, branch, cash withdrawal, transfer,
internet debits, standing instructions, EMI, etc)
|
| Cash Withdrawal at other Domestic ATM##
|
Up to 4 withdrawals in a month - Free
(Value of all withdrawals should not exceed
Rs. 10k in a month)
(Includes ATMs withdrawals, RTGS, IMPS,
Clearing, branch, cash withdrawal, transfer,
internet debits, standing instructions, EMI, etc)
|
| Standing Instruction - Execution
|
Up to 4 withdrawals in a month - Free
(Value of all withdrawals should not exceed
Rs. 10k in a month)
(Includes ATMs withdrawals, RTGS, IMPS,
Clearing, branch, cash withdrawal, transfer,
internet debits, standing instructions, EMI, etc)
|
| Credit Transactions - Collection / Inward Remittances / Deposits
|
| Local Clearing Cheque
|
Free
|
| Outstation Cheque Collection Charges -Branch Location /other than Branch location (Per Instrument)
|
Free
|
| Cash Deposit at Home & Non Home Location
|
Free unlimited no of txn. Subject to maximum
limit of Rs.100000 during a Financial year
|
| CHEQUE RELATED CHARGES
|
| At-par Cheque Book Charges
|
Free - One Cheque book of 5 leaves in a Financial year
|
| DEBIT CARD ISSUANCE / ANNUAL CHARGE
|
| Classic Debit Card - Primary
|
Free
|
| STANDING INSTRUCTION
|
| Standing Instruction - Set-up / Amendment
|
Free
|
| CERTIFICATE & REPORT ISSUANCE CHARGES
|
| Current & Previous year Balance and Interest Statement
|
Free
|
Signature Verification Certificate / Photo Attestation /
Address confirmation / Duplicate TDS certificate
|
Free
|
| ACCOUNT STATEMENT & PASSBOOK
|
| Physical Account Statement (Quarterly)
|
Free
|
| Monthly E-mail Account Statement
|
Free
|
| Duplicate /Ad-hoc Statement Branch Banking (90 days)
|
Free
|
| Pass Book (In Lieu of Account Statement)
|
Free
|
| Duplicate Passbook
|
Free
|
| OTHER FEATURES & CHARGES
|
| Non Maintenance Charge (Monthy)
|
Nil
|
| Net Banking / Mobile Banking / Phone Banking
|
NA
|
| Balance Enquiry at other Domestic ATM
|
Free
|
| Regeneration Of PIN (ATM / Phone / Net)
|
ATM pin - Free; Phone & Net pin - NA
|
| Classic Debit Card Replacement of Lost / Stolen Card
|
Free
|
| Account Closure
|
Free
|
| Record Retrieval Charges
|
Free
|
| PENAL CHARGES
|
| ECS Return / Cheque Issued & Returned (Financial Reason)
|
150 / return
|
| ASBA application rejection due to insufficient funds
|
NA
|
| Cheque Issued & Returned (Technical Reason)
|
Free
|
| Cheque Deposited & Returned (INR)
|
100
|
Decline In ATM/POS transaction due to insufficient balance
Transactions declined at merchant outlets/websites/ATMs, due to insufficient balance(w.e.f April 1,2019)
|
20 / txn
|
| Standing Instruction - Failure
|
25.0
|
| DD / PO / BC Revalidation / Cancellation - INR
|
100
|
| Stop Payment - Single / Range of Cheques
|
100
|
Features for Small Account
Aggregate of all credit should not exceed Rs.1 lakh, Account balance at any point should not exceed Rs.50,000 & Aggregate of all debits (withdrawals & transfers including clearing) in a month should not exceed Rs. 10,000.
All debit transactions (including clearing) is permitted maximum upto Rs.10,000 per transaction. Cheques issued over Rs.10,000 will be rejected and returned.
## Cash withdrawals limit from own and other domestic ATM is Rs.10,000 per transaction for both Basic & Small Accounts. For BSBDA, daily cash withdrawal limit on debit card is max upto Rs.10,000.
** Indo - Nepal Remittance Scheme (NEFT Charges):
If Beneficiary maintains an Account with Nepal SBI Bank Ltd. (NSBL): Free.
If Beneficiary does not maintain an Account with Nepal SBI Bank Ltd (NSBL): Free.
The Bank will charge cross-currency mark-up of 3.5% on foreign currency transactions carried out on Debit Cards. The exchange rate used will be the VISA / Master Card wholesale exchange rate prevailing at the time of transaction.
A charge of 1% on the transaction amount + GST will be applicable on cash withdrawal transactions done at merchant outlets (Cash@PoS) [w.e.f April 1,2019]
Charges are exclusive of the Goods and Service Tax (GST).
With effect from July 1, 2017 the effective Goods and Service tax rate will be 18% on taxable value. The GST rate is subject to change from time to time.
Monthly physical statements will be issued free to account holders on them personally visiting the home branch for the same.
As per RBI guidelines, Business / Commercial transactions are not permitted in the Savings Accounts.
The above charges are subject to revision with a prior intimation of 30 days to all account holders.
The above charges are applicable for all states other than the State of Jammu and Kashmir. GST is applicable in the State of Jammu and Kashmir. For charges applicable to Jammu and Kashmir please contact the respective Branch Manager.
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