Fees and Charges

All You Need To Know

Description of Charges		Pension Savings Account
Minimum Balance to be maintained	Metro & Urban	Zero
Minimum Balance to be maintained	Semi Urban & Rural	Zero
Moneyback Debit card - Charge		Annual Fee - Rs. 200 + tax Replacement Fee - Rs. 200 + tax
Millenia Debit card - Charge		Annual Fee - Rs. 500 + tax Replacement Fee - Rs. 200 + tax
Debit Card Charges - for Cash Withdrawal	HDFC Bank ATM	Free Unlimited
Debit Card Charges - for Cash Withdrawal	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
3rd party Cash transaction	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
Cheque Leaves Charges	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)

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