Internet Banking

At Cosmos Bank, we are committed to helping you meet all your banking needs to the best of our ability. You can access internet banking portal of our website at any hour of the day. There are no fixed timings to use the facilities. Moreover, enjoy the luxury of getting all the work accomplished at the comfort of your home or office, at any hour that is preferable for you

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Plot No-6, S.No-132/B, ICS Colony, Ganeshkhind Road, Pune
+91-20-67086708

Call Toll Free

1800 233 0234

customercare@cosmosbank.in

Weekdays 10 AM to 6 PM

Sunday : Closed

Saving Account Schemes Service Charges

Click here to know Savings Account Schemes Service Charges Revision with effect from 02.12.2021

Current Account Schemes Service charges Revision w.e.f 25.08.2017

Sr.No Particulars Regular Current Account Charges Premium Current Account Premium Plus Current Account Royale Current Account
1 Minimum Balance AQB – Rs. 5000/- AQB Rs.20,000/- AQB – Rs.50,000/- AQB – Rs. 2.50 Lacs
2 Penalty for non maintainence of Minimum Balance Rs. 650/- per Quarter Rs. 1250/- per Quarter Rs. 2500/- per Quarter Rs. 3000/- per Quarter
3 Core Banking / Intersol Deposit –
Cash Deposit Up to Rs.200000 Free.
Above Rs.200000 free per day (Clubbed limit) Rs.2 per thousand.
Maximum Rs.2000
Withdrawal (per day) –
Cash – Withdrawal free upto 50,000/-, thereafter Rs. 2 per thousand.
Clearing & Transfer – No limit		 Deposit –
Unlimited Free
Withdrawal (per day) –
Cash – Withdrawal free upto 50,000/-, thereafter Rs. 2 per thousand.
Clearing & Transfer – No limit		 Unlimited Free Unlimited Free
4 Cash Deposit Charges Cash Deposit Up to Rs.200000 Free.
Above Rs.200000 free per day (Clubbed limit) Rs.2 per thousand.
Maximum Rs.2000		 Per day clubbed limit –
Upto Rs. 5.00 Lacs  – Free
Above Rs. 5.00 Lacs – Rs.2.00 per thousand		 Per day clubbed limit –
Upto Rs. 5.00 Lacs  – Free
Above Rs. 5.00 Lacs – Rs.2.00 per thousand		 Monthly Free cash deposit of Rs. 3.00 crores thereafter Rs. 2.00 per thousand
5 Cheque Book Rs. 3.00 per cheque leaf 300 Cheque Leaves free per F.Y thereafter Rs. 3per cheque leaf 750 Cheque Leaves free per F.Y thereafter Rs. 3per cheque leaf Unlimited Free
6 Demand Draft – IDBI, HDFC, ICICI, AXIS Re.1 to Rs.5000 =  Rs.25
Rs.5001 to Rs.10000 = Rs.35
Above Rs.10000 Rs.4.00 per thousand
Maximum Rs.15000		 Unlimited Free Unlimited Free Unlimited Free
7 Payslip Re.1 to Rs.1000 =  Rs.25
Above Rs.1000 = Rs.4.00 per thousand
Maximum Rs.15000		 Unlimited Free Unlimited Free Unlimited Free
8 Account Maintenance charges Rs. 200 per year Free Free Free
9 RTGS (w.e.f 01.07.19)

Rs.2 Lakh – Rs.5 Lakh= Rs.25/-

Above Rs. 5 Lakh = Rs.50/-

No time varying charges

 Free Free Free
10 NEFT (w.e.f 01.07.19)

Upto Rs. 1.00 lakh- Free

Above Rs. 1.00 lakh to Rs. 2.00 lakh= Rs. 10

Above Rs. 2.00 lakh- Rs. 15

 Free Free Free
11 Stop Payment Rs.100 per instruction
Series of cheque leaves Rs. 500/-
Revocation of Stop Payment – Rs.100 per instruction.		 Rs.100 per instruction
Series of cheque leaves Rs. 500/-
Revocation of Stop Payment – Rs.100 per instruction.		 Unlimited Free Unlimited Free
12 Current Account Closure Charges Upto 14 days  – Nil                       15 days to less than 6 months – Rs. 250/-                                     Upto 1 Year – Rs. 150/- Upto 14 days  – Nil                       15 days to less than 6 months – Rs. 350/-                                     Upto 1 Year – Rs. 250/- Upto 14 days  – Nil                       15 days to less than 6 months – Rs. 350/-                                     Upto 1 Year – Rs. 250/- Upto 14 days  – Nil                       15 days to less than 6 months – Rs. 500/-                                     Upto 1 Year – Rs. 350/-
13 DD/Payslip issued for loan disbursement Rs. 100 per instrument Free Free Free
14 Duplicate  DD/ PO Rs. 100 per instrument Rs.50 per instrument Rs.50 per instrument Rs.50 per instrument
15 Revalidation DD/ PO Rs. 100 per instrument Rs.50 per instrument Rs.50 per instrument Rs.50 per instrument
16 Cancellation DD/PO Rs. 100 per instrument Rs.50 per instrument Rs.50 per instrument Rs.50 per instrument
17 Internet / Mobile Banking Free Free Free Free
18 SMS Banking Rs. 25/- per quarter applicable to all account related transactions Rs. 25/- per quarter applicable to all account related transactions Rs. 25/- per quarter applicable to all account related transactions Rs. 25/- per quarter applicable to all account related transactions
19 Cosmo Quick Pay Facility / Bill Payment facility Free Free Free Free
20 E-mail Statement through Mail Free Free Free Free
21 Duplicate Statement Charges Minimum 50 upto 10pages thereafter Rs.5/- per page Minimum 50 upto 10pages thereafter Rs.5/- per page Minimum 50 upto 10pages thereafter Rs.5/- per page Minimum 50 upto 10pages thereafter Rs.5/- per page
22 Cheque Return Inward up to Rs.10000 – Rs.150
above Rs.10000 – Rs.150 + Rs.1.50 per thousand
Maximum Rs. 1000/- per instrument		 up to Rs.10000 – Rs.150
above Rs.10000 – Rs.150 + Rs.1.50 per thousand
Maximum Rs. 1000/- per instrument		 up to Rs.10000 – Rs.150
above Rs.10000 – Rs.150 + Rs.1.50 per thousand
Maximum Rs. 1000/- per instrument		 up to Rs.10000 – Rs.150
above Rs.10000 – Rs.150 + Rs.1.50 per thousand
Maximum Rs. 1000/- per instrument
23 Cheque Return Outward Rs. 100/- per instrument Rs. 100/- per instrument Rs. 100/- per instrument Rs. 100/- per instrument
24 ECS Debit Return up to Rs.10000 – Rs.150
above Rs.10000 – Rs.150 + Rs.1.50 per thousand
Maximum Rs. 1000/- per instrument		 up to Rs.10000 – Rs.150
above Rs.10000 – Rs.150 + Rs.1.50 per thousand
Maximum Rs. 1000/- per instrument		 up to Rs.10000 – Rs.150
above Rs.10000 – Rs.150 + Rs.1.50 per thousand
Maximum Rs. 1000/- per instrument		 up to Rs.10000 – Rs.150
above Rs.10000 – Rs.150 + Rs.1.50 per thousand
Maximum Rs. 1000/- per instrument
25 Counter Cheque Return Rs. 100 per instrument Rs. 100 per instrument Rs. 100 per instrument Rs. 100 per instrument
26 Unused Chequebook charges at the time of A/c closure Rs.5 per cheque leaf Rs.5 per cheque leaf Rs.5 per cheque leaf Free
27 Lost token Charges Rs.500  per token Rs.500  per token Rs.500  per token Rs.500  per token
28 Signature/ photo/ address Verification Rs.100/- per attestation Rs.100/- per attestation Rs.100/- per attestation Rs.100/- per attestation
29 Solvency  Certificate For Education Loan – Rs. 1000/-  for 1st Copy & Rs. 100/- per copy for rest of originals.
For Other Purpose –  Rs. 250/- per lac, Min. Rs. 750/-
Maximum cap on Solvency charges – Rs. 25000/-		 For Education Loan – Rs. 1000/-  for 1st Copy & Rs. 100/- per copy for rest of originals.
For Other Purpose –  Rs. 250/- per lac, Min. Rs. 750/-
Maximum cap on Solvency charges – Rs. 25000/-		 For Education Loan – Rs. 1000/-  for 1st Copy & Rs. 100/- per copy for rest of originals.
For Other Purpose –  Rs. 250/- per lac, Min. Rs. 750/-
Maximum cap on Solvency charges – Rs. 25000/-		 For Education Loan – Rs. 1000/-  for 1st Copy & Rs. 100/- per copy for rest of originals.
For Other Purpose –  Rs. 250/- per lac, Min. Rs. 750/-
Maximum cap on Solvency charges – Rs. 25000/-
30 Balance Certificate Current year free, Previous year charges Rs. 100/- per certificate Current year free, Previous year charges Rs. 100/- per certificate Current year free, Previous year charges Rs. 100/- per certificate Current year free, Previous year charges Rs. 100/- per certificate
31 BP at rate 18% for actual no.of days at rate 18% for actual no.of days at rate 18% for actual no.of days at rate 18% for actual no.of days
32 Issue of certificates such as NOC, No dues, maintaining accounts, interest certificate, cheque honoured No dues & Interest Certificate – Free
Other Certificates – Rs. 100/-		 No dues & Interest Certificate – Free
Other Certificates – Rs. 100/-		 No dues & Interest Certificate – Free
Other Certificates – Rs. 100/-		 No dues & Interest Certificate – Free
Other Certificates – Rs. 100/-
33 Enquiries of old Transactions Upto 1 year Free                    Above 1 year – Rs. 200/- Upto 1 year Free                    Above 1 year – Rs. 200/- Upto 1 year Free                    Above 1 year – Rs. 200/- Upto 1 year Free                    Above 1 year – Rs. 200/-
34 Setting up of Standing Instructions Intra Bank– Free                             Inter Bank (Other than ECS Debit, FD interest credit to other Bank) – Rs. 100/- Intra Bank– Free                             Inter Bank (Other than ECS Debit, FD interest credit to other Bank) – Rs. 100/- Intra Bank– Free                             Inter Bank (Other than ECS Debit, FD interest credit to other Bank) – Rs. 100/- Intra Bank– Free                             Inter Bank (Other than ECS Debit, FD interest credit to other Bank) – Rs. 100/-
35 Stop Payment Charges for Demand Draft –
1. Bank of Maharashtra
2. HDFC Bank
3. Axis Bank
4. ICICI Bank
5. IDBI Bank		 Rs. 100 for stop payment of all the Banks DDs. Rs. 100 for stop payment of all the Banks DDs. Free Free
36 Outstation Cheque Return Charges in case of – Rs. 100/- per instrument + Postage @ actuals Rs. 100/- per instrument + Postage @ actuals Rs. 100/- per instrument + Postage @ actuals Rs. 100/- per instrument + Postage @ actuals
37 Demat Account AMC Regular charges Regular charges Regular charges First Year AMC Free
38 Flexi-fixed Deposit Scheme FFD Scheme available
With min. bal of Rs.300,000 remaining amount will be transferred to FFD in multiples of Rs. 50000		 FFD Scheme available
With min. bal of Rs.300,000 remaining amount will be transferred to FFD in multiples of Rs. 50000		 FFD Scheme available
With min. bal of Rs.300,000 remaining amount will be transferred to FFD in multiples of Rs.50000		 FFD Scheme available
With min. bal of Rs.10,00,000 remaining amount will be transferred to FFD in multiples of Rs. 50000

New Additional Service Charges

1 Outstation cheque collection (inward/ outward) Upto Rs.5000/- Rs25/-
above Rs. 5000 & upto Rs.10000/- Rs 50/-
above Rs.10000 & upto Rs. 1.00 Lacs – Rs 100/-
Above Rs. 1.00 Lac – Rs 150/-		 Upto Rs.5000/- Rs25/-
above Rs. 5000 & upto Rs.10000/- Rs 50/-
above Rs.10000 & upto Rs. 1.00 Lacs – Rs 100/-
Above Rs. 1.00 Lac – Rs 150/-		 Upto Rs.5000/- Rs25/-
above Rs. 5000 & upto Rs.10000/- Rs 50/-
above Rs.10000 & upto Rs. 1.00 Lacs – Rs 100/-
Above Rs. 1.00 Lac – Rs 150/-		 Upto Rs.5000/- Rs25/-
above Rs. 5000 & upto Rs.10000/- Rs 50/-
above Rs.10000 & upto Rs. 1.00 Lacs – Rs 100/-
Above Rs. 1.00 Lac – Rs 150/-
2 Matured FD remittance by DD/PO/RTGS/NEFT or any other way At actuals At actuals At actuals At actuals
3 Duplicate FDR Rs. 25/- per instrument Rs. 25/- per instrument Rs. 25/- per instrument Rs. 25/- per instrument
4 Non collection of cheque books upto 3 months Rs. 25/- Rs. 25/- Rs. 25/- Rs. 25/-
5 Allowing operations through power of attorney/ Mandate Rs. 100/- per request Rs. 100/- per request Rs. 100/- per request Rs. 100/- per request
6 Change of accountname / holder Rs. 50/- Rs. 50/- Rs. 50/- Rs. 50/-
7 Recoed copy of cheque per instance Rs. 25/- per instrument Rs. 25/- per instrument Rs. 25/- per instrument Rs. 25/- per instrument
8 Original cheuqe from Go-down OEC Normal Delivery ( Within 24 hours )
Rs.50 per carton and Rs.250 Per trip.
Express Delivery ( Same Day )
Rs.75 per carton and Rs.500 Per trip.		 Normal Delivery ( Within 24 hours )
Rs.50 per carton and Rs.250 Per trip.
Express Delivery ( Same Day )
Rs.75 per carton and Rs.500 Per trip.		 Normal Delivery ( Within 24 hours )
Rs.50 per carton and Rs.250 Per trip.
Express Delivery ( Same Day )
Rs.75 per carton and Rs.500 Per trip.		 Normal Delivery ( Within 24 hours )
Rs.50 per carton and Rs.250 Per trip.
Express Delivery ( Same Day )
Rs.75 per carton and Rs.500 Per trip.
9 NACH mandate registration Rs. 10/- per utility registration Rs. 10/- per utility registration Rs. 10/- per utility registration Rs. 10/- per utility registration
10 NACH mandate processing Rs. 2 per mandate per person Rs. 2 per mandate per person Rs. 2 per mandate per person Rs. 2 per mandate per person
11 Locker rent overdue charges Rs. 100/- per pending month Rs. 100/- per pending month Rs. 100/- per pending month Rs. 100/- per pending month
12 Scan Copy of CTS Cheque Image      ( I/W & O/W )
NACH,BFL & BHFL Mandate		 Up to 3 Month Rs.50 + GST
Thereafter Rs.100 + GST		 Up to 3 Month Rs.50 + GST
Thereafter Rs.100 + GST		 Up to 3 Month Rs.50 + GST
Thereafter Rs.100 + GST		 Up to 3 Month Rs.50 + GST
Thereafter Rs.100 + GST
13 MMS Charges (Mandate Management Charges) For Inward Mandates Rs.100 for signature verification and for registration.

 

For Outward Mandate other than Cosmos customer registration Rs.200/ with GST – an each transaction Fees Rs.5/-And outward transaction return charges Rs.100/- with GST.

For Utility code registration Rs.500/- with GST

 For Inward Mandates Rs.100 for signature verification and for registration.

 

For Outward Mandate other than Cosmos customer registration Rs.200/ with GST – an each transaction Fees Rs.5/-And outward transaction return charges Rs.100/- with GST.

For Utility code registration Rs.500/- with GST

 For Inward Mandates Rs.100 for signature verification and for registration.

 

For Outward Mandate other than Cosmos customer registration Rs.200/ with GST – an each transaction Fees Rs.5/-And outward transaction return charges Rs.100/- with GST.

For Utility code registration Rs.500/- with GST

 For Inward Mandates Rs.100 for signature verification and for registration.

 

For Outward Mandate other than Cosmos customer registration Rs.200/ with GST – an each transaction Fees Rs.5/-And outward transaction return charges Rs.100/- with GST.

For Utility code registration Rs.500/- with GST
14 Salary Uploading charges One time charges of Rs. 500/- with GST are recommended.

 

Transaction cost each Rs.2/- for per transaction. Return transaction Rs.50/-with GST

 One time charges of Rs. 500/- with GST are recommended.

 

Transaction cost each Rs.2/- for per transaction. Return transaction Rs.50/-with GST

 One time charges of Rs. 500/- with GST are recommended.

 

Transaction cost each Rs.2/- for per transaction. Return transaction Rs.50/-with GST

 One time charges of Rs. 500/- with GST are recommended.

 

Transaction cost each Rs.2/- for per transaction. Return transaction Rs.50/-with GST
15 Setting up of Standing Instructions Intra Bank – Free
Inter Bank (Other than ECS Debit & FD interest credit) – Rs. 100/- one time charges to be levied for setting up of Standing instruction.		 Intra Bank – Free
Inter Bank (Other than ECS Debit & FD interest credit) – Rs. 100/- one time charges to be levied for setting up of Standing instruction.		 Intra Bank – Free
Inter Bank (Other than ECS Debit & FD interest credit) – Rs. 100/- one time charges to be levied for setting up of Standing instruction.		 Intra Bank – Free
Inter Bank (Other than ECS Debit & FD interest credit) – Rs. 100/- one time charges to be levied for setting up of Standing instruction.
16 Free other Bank ATM transactions, to customers of following branches, as On-site ATMs are not available at these branches presently.
1.Hosur 2.Coimbatore 3.Annanagar Chennai, 4.Madipakkam Chennai, 5.Veera Desai Andheri (West), 6.Paldi, 7.Zaveri Bazar, 8. Matunga (E)		 10 transactions free per month, thereafter regular charges will be applicable.
Value added services – PIN changed, Mini statement on other Bank ATM will be chargeable from first transaction.		 10 transactions free per month, thereafter regular charges will be applicable.
Value added services – PIN changed, Mini statement on other Bank ATM will be chargeable from first transaction.		 10 transactions free per month, thereafter regular charges will be applicable.
Value added services – PIN changed, Mini statement on other Bank ATM will be chargeable from first transaction.		 10 transactions free per month, thereafter regular charges will be applicable.
Value added services – PIN changed, Mini statement on other Bank ATM will be chargeable from first transaction.

Important Notes –
* All the Service Charges are exclusive of taxes.
1.Issue of loose cheque leaves charges for Overdraft accounts are linked to regular cheque leaf charges
2.In case of Intersol Cash deposit, both Intersol & Cash deposit charges will be applicable.
3.Service charges of Current Accounts of Non scheduled UCBs and Co-operative Credit societies is made at par with the service charges of Regular current account for all services other than the scheme's exclusive features.

Click here to know Current Account Schemes Service Charges Revision with effect from 02.12.2021

Various CASA schemes having exclusive features

Current Account Schemes

Sr.
No		 Particulars UCB Premium Current account UCB premium Plus Current Account Co-operative Credit Society Premium Current Account Co-operative Credit Society Premium Plus Current Account Shubharambh Current Account Current Accounts of Non scheduled UCBs
  Scheme code UCBP UCBP+ CACP CACP+ CAPOS CABNK
1 Prescribed Balance Criteria AQB – Rs. 5.00 Lacs AQB – Rs. 10 Lacs Min. Bal – Rs.1.00 Lac Min Bal – Rs. 5.00 lacs AQB – Rs. 5000/- Min Bal – Rs. 2.50 lacs
2 Cash Deposit Charges Upto Rs. 5 crore free thereafter Rs.1.50/ thousand Upto Rs. 10 crore free thereafter Rs.1.50/ thousand Free Cash deposit upto 15 times of last month's average monthly balance thereafter Rs. 1.50/thousand Free Cash deposit upto 15 times of last month's average monthly balance thereafter Rs. 1.50/thousand At par with Regular Current Accounts Monthly free cash deposit upto Rs. 2.50 crores subject to daily free limit of Rs. 10 lacs thereafter Rs.1.50/thousand
3 Cheque Books 300 cheque leaves free per F.Y thereafter Rs. 3.00 per cheque leaf 500 cheque leaves free per F.Y thereafter Rs. 3.00 per cheque leaf 100 cheque leaves free per F.Y thereafter Rs. 3.00 per cheque leaf 300 cheque leaves free per F.Y thereafter Rs. 3.00 per cheque leaf At par with Regular Current Accounts Rs. 3.00 per cheque leaf
4 Scheme Special feature 1. Intersol Cash deposit charges @ Rs. 1.50 per thousand

 

2. Free RTGS/NEFT

 1. Intersol Cash deposit charges @ Rs. 1.50 per thousand

 

2. Free RTGS/NEFT

 1. Intersol Cash deposit charges @ Rs. 1.50 per thousand

 

2. Free RTGS/NEFT

 1. Intersol Cash deposit charges @ Rs. 1.50 per thousand

 

2. Free RTGS/NEFT

 1. Free POS Machine
2. Initial deopsit Zero.		  

Savings Account Schemes

Sr. No Particulars Cosmo Kidz saving Account Regular Salary Savings Account Premium Salary Account Cosmo Youth Savings Account Jan Dhan Saving Account Basic Savings Bank Deposit Account Jan Sanchay Account
  Scheme code KIDSB & KID14 SBGNC SBSAP YTHSB PMJDY BSBDA  
1 Prescribed Balance Criteria Zero Balance account Zero Balance Account customer drawnig salary of min. Rs. 25000/- Zero Balance Account Zero Balance Account Zero Balance Account Zero Balance Account
2 Cash Deposit Charges Free Free Free Free Free Free Free
3 Cheque Books Cheque book facility available with minor guardian only. The cheque should be drawn by minor guardian only.

 

2 cheque books of 20 leaves free per F.Y thereafter Rs. 3.00 per cheque leaf

 2 cheque books of 20 leaves free per F.Y thereafter Rs. 3.00 per cheque leaf 100 cheque leaves free per F.Y thereafter Rs. 3.00 per cheque leaf 2 cheque books of 20 leaves free per F.Y thereafter Rs. 3.00 per cheque leaf Customer can avail cheque book facility however, he will have to fulfill the prescribed balance criteria specified by Bank fom time to time which is AQB Rs.1000/- presently. One cheque book of 20 leaves free per F.Y ATM & Cheque book facility Not Available
4 Scheme Special feature 1. No minimum balance penalty
2. On kid attaining 10 yrs. can withdraw upto Rs. 100/- independently
3. On kid attaining 12 yrs. can avail ATM card facility		 No minimum balance penalty 1. No minimum balance penalty

 

2. Unlimited DD/ PO & RTGS/NEFT free

 1. Free DD/PO drawn in flavour of schools & institutions

 

2. Specially designed ATM Debit Card

 Free ATM Rupay Debit Card Maximum 4 withdrawals allowed in a month including ATM withdrawals 1. Balance in the account should not exceed Rs. 50000/- including all Savings, FD & Recurring Deposit accounts.
2. Total credits should not exceed Rs. 1.00 Lac in a yr.
3. At any point of time, balance of accounts should not exceed Rs. 50000/- or total credit of the account not exceed Rs. 1.00 lac.

Please note that, all the above mentioned specific features of the scheme are kept UNCHANGED. are All other service charges of above mentioned CASA schemes are mapped to respective Regular Saving/ Current Account scheme.

Click here to know Special Savings Schemes having exclusive features, Service Charges Revision with effect from 02.12.2021

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