(Charges specified are exclusive of service tax)

BENEFITS

FEES

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

Replacement of Card

Rs. 150

Damaged Card

Free

Electronic Funds Transfer -Inward

Free

Electronic Funds Transfer -outward

Rs.25/- per transaction

RTGS-Inward

Free

RTGS-Outward

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

Visa Money Transfer

Rs. 25 per transaction

Personalised Cheque Book

Rs. 2/- per leaf

Stop Payments

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

Usage at DCB ATM

Free

Usage at Non-DCB ATMs (Cashnet / Infinet)

Cash Withdrawal - Domestic

Free

Balance Inquiry

Free

Usage at VISA ATMs

Cash Withdrawal - Domestic

Rs. 50

Cash Withdrawal - International

Rs. 125

Balance Inquiry

Rs. 25

Any Branch Banking (ABB)

Cash Withdrawal / Deposit at Non Base Branch (Third Party transactions not permitted)

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). ABB Cash Withdrawal exceeding Rs.50000 not permitted.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 , 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 and HDFC Locations

Non - Cash Transaction

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

Cash Transaction

Rs. 300

Other Locations

Non - Cash Transaction

Correspondent Bank Charges + 0.10%
,Min Rs. 50

Cash Transaction

Correspondent Bank Charges
+ Rs. 300"

Demand Drafts / Pay order 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

DCB & HDFC Locations

0.25% (Minimum- Rs.25/- & Maximum-Rs. 5000/-) + Out of pocket expenses*

Other Locations

Rs. 3 per 1000 (Min. Rs. 50
Max Rs. 5000) + 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

Monthly

Rs.25/- per month

Quarterly

Free

Duplicate Statement

Rs.25/- 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 & transfer 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. 50 per instrument

Outstation Cheque

50% of the collection chgs (Min. Rs. 100)

Charges for Cheques appearing in validation report for funds reasons

Rs. 25 per instument (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 fortnight of the quarter through a written request.
Charge of Rs. 200/- is applicable for changing from higher AQB to lower AQB. No charge would be applicable for changing from lower AQB to higher AQB.

Signature Verification

Rs. 50 per document

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

Rs. 50 per attestation

Issue Of loose cheque leaves

Rs. 5/- per leaf.

Account Closure

Rs 250/- if closed within a year else Rs 100/-

ECS Returns

Rs. 300/- per instruction

Penalty for non-maintenance of AQB

Penal Charges

Rs 349/- 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