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Fees & Charges


 Description of Charges 

 Garv Pension Saving Account

Minimum Balance to be maintained 

Metro & Urban 

Zero 

Semi Urban & Rural 

Zero 

Platinum Debit Card

  

Annual Fee - No Charges

Debit Card Charges - for Cash Withdrawal 

HDFC Bank ATM 

First 5 Transaction Free

Non HDFC Bank ATM 

In Metro cities**: First 3 transaction free

In Non-Metro cities: First 5 transaction free

Cash Deposit Charges 
(Home and Non-Home Location) 

Free Limit 

Rs. 1 Lakh 

Charges above Free limit 

Above Rs. 1 lakh 0.5% 

Low Denomination Charges 

Cash Withdrawal Charges - Non-Home Branch (at home branch the charges are free)  

Free Limit 

For non -managed free up to Rs. 2 lacs per month, 
 
For Managed category -  
Imperia- Rs. 2.5 lacs and number of free txn of 5 in a month 
Preferred category -limit exceeds Rs.5 lacs and number of free txn of 7 in a month 
Classic Category - Rs.15 lacs and number of free txn of 10 in a month 

Charges above Free limit 

Rs. 5 flat per 1000, Rs. 150 + service tax @18% minimum charge applicable. 

3rd party Cash transaction  

Free Limit per month 

Upto Rs. 25,000 - Rs. 150 

Charges above Free limit 

Greater than Rs. 25,000 - Rs 0.5% 

Outstation Cheque Collection Charges (For Local / Anywhere Fund transfer, Cheque Collection and Payment is Free) 

Branch Location 

Free, Cheque Deposit - above Rs. 50000 - 0.29% 

Correspondent Location 

N/A 

Clean Location 

N/A 

Speed Clearing 

Cheque Leaves Charges 

Free Limit per month 

25 

Charges above Free limit 

Rs. 4/- per Leaf 

Cheque deposit 

  

Upto Rs. 50,000 - free 
More than Rs. 50,000 - 0.29% 

Bulk - Cheque and Fund transfer (physical transaction) 
Total - Cheque, Fund Transfer and Cash (Physical transaction) 

Free Limit per month 

Upto Rs. 50,000 - free 

Charges above Free limit 

More than 50,000 - 0.29% 

Inward cheque return 

  

1 - Rs 450 
2 - Rs 500 
More than 2 - Rs. 550 

Outward cheque return 

  

Flat Rs 200 

Managers cheque 

  

Upto Rs 25,000 - Free 
More than Rs. 25,000 - 0.5% 
Cancellation/Revalidation - Rs 60 

RTGS / NEFT Payments through Branch (Free through Net Banking / Mobile Banking) 

RTGS 

 
More than Rs 2 Lac - Rs 15 

NEFT 

Upto Rs. 1 Lac - Rs 2 
More than Rs. 1 Lac - Rs 10 

Passbook Issuance 

  

Free 

Duplicate Passbook issuance 

  

Rs. 100/- (Rs. 90/- for Senior Citizens, w.e.f. 1st Mar’21) 

SMS Alerts 

  

Rs 3 flat 

ACH Charges 

  

Upto 1 - 400 Rs 
2 - 450 Rs 
More than 2 - 500 Rs 

  

  

Demand draft 

Free Limit per month 

Upto Rs. 25,000 - Free 

Charges above Free limit 

More than 25,000 - 0.5% 

  

Cancellation & revalidation charge - Rs 45 

ECS Charges 

  

1 - Rs 450 
2 - Rs 500 
More than 2 - Rs 550 

  

  

Gift card issuance 

  

Rs 100  

IPIN re-generation 

  

Rs 40 

Issue of duplicate / adhoc statements 

  

Adhoc - Rs 100  
Net banking/Mobile - Rs 50 
ATM - Rs 50 
IVR - Rs 50 
Phone banking agent - Rs 75 

TDS Certificate 

  

Free 

Interest Certificate 

  

Free 

Balance Certificate 

  

Free 

Phone banking IVR 

  

Free 

Mobile banking  

  

Free 

Net banking  

  

Free 

Activation of dormant account 

  

Free 

Account closure charges 
(No charges are applicable for accounts closed within 14 days and after 12 months) 

15 days to 12 months 

15 days upto 12 months - Rs 500/- ( Rs 300/- for Senior Citizens)