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 |