BENEFITS

FEES

Account Opening Amount & Average Quarterly Balance

Rs.5000/-

Mode of Calculation of average quarterly balance

Sum of End of Day balances for a quarter/No of days in the quarter

ATM Limit (Cash withdrawal)

Rs. 25,000 per day

POS Limit (Merchant transaction)

Rs. 40,000 per day

Debit Card - Annual Fee

Rs.99/- per annum

Replacement of Card

Rs. 150

Damaged Card

Free

Electronic Fund Transfer -Inward

Free

NEFT -outward

Free

RTGS-Inward

Free

RTGS-Outward

Free

Visa Money Transfer

Rs. 25 per transaction

Personalised Payable At Par Cheque Book**

Free

Issue Of loose cheque leaves

Rs. 5/- per leaf.

Stop Payments

Rs. 50/- per cheque leaf.
Rs. 200/- per series

Mobile Banking

Free

Internet Banking

Free

Phone Banking

Free

Utility Bill Payment

Free

Usage at DCB ATM

Free

Usage at VISA ATMs

Cash Withdrawal and Balance Enquiry (Domestic)

Free

Balance Enquiry (International

Rs. 25/- per transaction

Cash Withdrawal (International)

Rs. 125/- per transaction

Any Branch Banking (ABB)

Cash Withdrawal / Deposit at Non Base Branch

3 withdrawals & 1 deposit per month at Non Base Branch (Intercity as well as Intra City Branches) Max. Transaction amount - Rs.50,000/-, Charge of Rs.100 per transaction for ABB Cash Deposits beyond Rs.50000/-per transaction, per day as well as for any incremental transaction over and above the limit (i.e.3 Withdrawals + 1 Deposit). From 2nd ABB Cash deposit onwards both charges will apply if the transaction exceeds the limits.

ABB Funds Transfer

Intercity Transfers- 2 Free Transactions per month, Maximum-Rs.50000 per transaction. Re.1 per Thousand, Min.Rs.50, Maximum Rs.3000 for will apply beyond 2 ABB transactions in a month as well as for transactions exceeding Rs.50000/- per transaction , per day. Intracity Transfers - Free

ABB Clearing

Intracity Clearing :Free Intercity Clearing : Free up to Rs.50,000/- per day,DD charges apply for cheques deposited beyond Rs.50,000/- per day.

Demand Drafts

DCB & HDFC Locations :

Non Cash Transactions

Rs.2 per 1000, Minimum-Rs.50/- & Maximum-Rs.5000/-

Cash Transactions

Rs.300

Other Locations:

Non Cash Transactions

Correspondent Bank Chgs + 0.10%
Min Rs. 50

Cash Transactions

Correspondent Bank Chgs
+ Rs. 300

Demand Drafts / Payorder cancellation / Revalidation & Duplicate issuance

Cancellation / Revalidation

Rs. 50/- Per Instrument

Issue of Duplicate Instrument

Rs. 50/- per instrument

Local DD (Payorders)

Non Cash Transactions

Re. 1 per 1000 , Minimum Rs.50/- , Maximum Rs.3000/-

Cash Transactions

Rs. 300

Outstation Cheque Collection:

Upto 10,000 –  Rs. 50 per instrument(inclusive of Out of Pocket Expenses)

DCB & HDFC Locations
Other Locations

Rs.10,000 to Rs.1,00,000 – Rs.100 per instrument(inclusive of Out of Pocket Expenses)

Rs.1,00,001 and above – Rs.150 per instrument(inclusive of Out of Pocket Expenses)

Balance Confirmation Certificate & Interest Certificate

Current Year

Free

Previous Year upto last 2 years

Rs.100 per year

Beyond last 2 years

Rs. 500 per year

Duplicate

Rs. 25 per certificate

Statement Of Account

Email Monthly

Free

Quarterly

Free

Monthly

Rs.200/- p.a.

Duplicate Statement

Rs.25/- per page. More than 1 year = Rs 100/- per page

Confidential Report

Rs. 50 per report

Standing Instructions (excluding transfer to/from deposit / loan a/c
& trf to Savings Accounts)

Setup

Rs. 50

Execution

Rs. 25 per txn + DD/PO chgs
+ courier/other out of pocket expenses

Cheque Issued & Returned
(financial reasons)

Rs. 300 per instrument

Cheque Deposited & Returned unpaid

Local

Rs. 60/- per instrument

Outstation

Rs. 100/- per instrument

Charges for Chq appearing in validation report for Fund reasons

Rs. 25 per instrument (except for FD proceeds and Clearing Regularisation)

Other Charges

Cash Deposit in Denominations
lesser than Rs. 50/-

500 notes per day free, over that a
charge of Rs. 10 per 100 notes
or part thereof.

Charges of Old Record

0-1 year = Rs. 50 per record.
1-3 year = Rs. 150 per record.
3 years & above = Rs. 250

Scheme Transfer Fees

Scheme changes to Lower AQB Scheme Code can be made only during first week of financial quarter through a written request. Rs.200/- charges applicable for changing from higher AQB to lower AQB. No charge would be applicable for changing from lower AQB

Signature Verification

Rs. 50 per document

Photo Attestation (only if the AOF
with photo is available at the branch)

Rs. 50 per attestation

Account Closure

Rs. 250 if closed within a year,
else Rs. 100

PAP Utilisation

Maximum Ceiling of Rs.50,000/- per instrument,if a cheque for an amount exceeding Rs. 50,000/- is issued for payment at an outstation center, then the bank may at its discretion, either honour the cheque with the applicable charges (i.e. DD Charges) or return the cheque

ECS Returns

Rs. 300/- per instruction

Penalty for non-maintenance of AQB

Penal Charges

Rs 699/- per quarter

Penal Charges for Cheque book

Rs 2/- per leaf of cheque book taken in the quarter in which AQB is not maintained subject to a maximum of Rs.100 per quarter

Penal Charges for Cash Transactions

First 3 Cash transactions at branch in a quarter-Free, Rs.50 per transaction thereafter subject to a maximum of Rs.100 per quarter

Penal Charges for DCB ATM Transactions

First 6 DCB ATM transactions in a quarter-Free, Rs.25 per transaction thereaftersubject to a maximum of Rs.100 per quarter

Penal Charges for Transactions at HDFC/NFS/Cashnet ATM network

Rs30/- per transaction for cash withdrawal and Rs15/- per transaction for balance enquiry

Penal Charges for Cash Deposit

Charge of Rs.5 per 1000 for cash deposits exceeding Rs.1 Lac Per month (At Base Branch + Non Base Branch) subject to a maximum of Rs.300 per quarter