Interest free period

18 to 48 days

Finance charges on extended credit

3.4% per month (49.36% annually)

Cash Advance – Transaction fees

2.5% on advanced amount, subject to a minimum of Rs. 300.

Finance charges on cash advances

3.4% per month (49.36% annually)

Late Payment Charges

30% of min. amount outstanding (subject
to min. of Rs. 400 and max. of Rs. 600).

Over Limit Charges

2.5% on over limit amount (subject to min. of Rs. 500).

Return of Cheque

Rs. 250

Outstation Cheque processing fee

1% on the Cheque value, subject
to a minimum of Rs. 100

Transaction fee – Dial a draft

3% of the draft value amount subject
to a minimum of Rs. 300

Duplicate statement request Rs. 100
(beyond 3 Months)

Rs. 100

Replacement card

Rs. 100 (w.e.f June 1, 2008)

Charge-slip request

Rs. 100

Fee on Cash payment at Branches

Rs. 100 (w.e.f June 1, 2008)

Railway Booking – surcharge

1.80% for Internet transactions and 2.5% for other bookings

Fuel Surcharge

2.5% of transaction value or Rs. 10 whichever is higher

Foreign Currency Transactions

3.5% (Service tax extra)

Service Tax

12.36%(Applicable on all fees, interest and other charges)