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  • service charges and fees

Services Charges and Fees

Click on the links given below to view the charges. (GST as applicable will be levied on all service charges and would be rounded-off to the next Rupee.)


Savings Accounts


Click here for Complete list of service fees and charges.


NRI

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Sr. NoNature of fee / chargesCash CreditOverdraftMerchant Loan - Overdraft Secured Term LoanUnsecured Business Loan
1Processing FeesUpto 1.25% + Taxes applicableUpto 1.25% + Taxes applicableUpto 2.00% + Taxes applicableUpto 1.25% + Taxes applicableUpto 2.00% + Taxes applicable
2Login Non Refundable Processing Fee5000/- + Taxes applicable5000/- + Taxes applicableNA5000/- + Taxes applicableNA
3Renewal Processing FeeUpto 1.00% + Taxes applicableUpto 1.00% + Taxes applicableUpto 1.00% + Taxes applicableNANA
4Stamp Duty & other statutory document chargesAs per applicable laws of stateAs per applicable laws of stateAs per applicable laws of stateAs per applicable laws of stateAs per applicable laws of state
5ROC filing chargesRs. 1200/- + Taxes applicableRs. 1200/- + Taxes applicableRs. 1200/- + Taxes applicableRs. 1200/- + Taxes applicableNA
6Non submission of stock statement2% +Taxes applicable of the outstanding amount from the date of defaultNANANANA
7Non submission of property/stock insurance2% Additional rate of interest on the amount outstanding2% Additional rate of interest on the amount outstandingNA2% Additional rate of interest on the amount outstandingNA
8Cheque book issuance chargeFirst 100 leaves free (for new borrowal account) and thereafter Rs 2/- per leafFirst 100 leaves free (for new borrowal account) and thereafter Rs 2/- per leafFirst 100 leaves free (for new borrowal account) and thereafter Rs 2/- per leafNANA
9Cheque BounceRs. 500/- per instance +Taxes applicableRs. 500/- per instance +Taxes applicableRs. 500/- per instance +Taxes applicableRs. 500/- per instance +Taxes applicableRs. 500/- per instance +Taxes applicable
10Penal Interest2.00% p.a. additional on existing Rate of Interest2.00% p.a. additional on existing Rate of interest2.00% p.a. additional on existing Rate of interest2.00% p.a. additional on existing Rate of interest2.00% p.m. on the amount of overdue installment
11No dues certificate/ No objection certificateRS. 150 + Taxes applicableRS. 150 + Taxes applicableRS. 150 + Taxes applicableRS. 150 + Taxes applicableRS. 150 + Taxes applicable
12CERSAI ChargesRS. 100/- + Taxes applicableRS. 100/- + Taxes applicableRS. 100/- + Taxes applicableRS. 100/- + Taxes applicableNA
13Prepayment/Foreclosure Charges2% Of Sanction Limit 2% Of Sanction Limit 2% Of Sanction Limit 2% of Principal Outstanding Up to 24 months - 4% of principle outstanding at the time of prepayment + GST as applicable
25 - 36 months - 3% of principle outstanding at the time of prepayment + GST as applicable
> 36 months - 2% of principle outstanding at the time of prepayment + GST as applicable
14Part Pre-payment charges Nil Nil Nil 1% of pre-paid amount 2% charge plus GST will be levied on amount prepaid.

Click here for more detailed charges

Sr. NoNature of fee / chargesKisan Credit CardCommodity / Farm Produce PowerCattle PowerAGPRO PowerKisan Mitra & Arthia Power
Cash CreditTerm LoanOverdraft
1Processing FeesUpto 1.50% (plus taxes) of the facility amountUpto 1.00% (plus taxes) of the facility amountUpto 1.00% (plus taxes) of the facility amountUpto 1.00% (plus taxes) of the loan amountUp to 1.00% (plus taxes) of the loan amountUp to 1.00% (plus taxes) of the loan amountUpto 0.75% (plus taxes) of loan amount
2Stamp Duty & other statutory document chargesAs per applicable laws of stateAs per applicable laws of stateAs per applicable laws of stateAs per applicable laws of stateAs per applicable laws of stateAs per applicable laws of stateAs per applicable laws of state
3Legal & Technical ChargesUpto Rs. 5000/- eachUpto Rs. 5000/- eachUpto Rs. 5000/- eachNilUpto Rs. 5000/- eachUpto Rs. 5000/- eachUpto Rs. 5000/- each
4Cheque book issuance chargeFirst 100 leaves free (for new borrowal account) and thereafter Rs 2/- per leafFirst 100 leaves free (for new borrowal account) and thereafter Rs 2/- per leafFirst 100 leaves free (for new borrowal account) and thereafter Rs 2/- per leafFirst 100 leaves free (for new borrowal account) and thereafter Rs 2/- per leafFirst 100 leaves free (for new borrowal account) and thereafter Rs 2/- per leafFirst 100 leaves free (for new borrowal account) and thereafter Rs 2/- per leafFirst 100 leaves free (for new borrowal account) and thereafter Rs 2/- per leaf
5Cheque BounceRs. 500/- per instance +GSTRs. 500/- per instance +GSTRs. 500/- per instance +GSTNilRs. 500/- per instance +GSTRs. 500/- per instance +GSTRs. 500/- per instance +GST
6Penal Interest15% per annum will be applicable in case of any default24% per annum will be applicable in case of any default24% per annum will be applicable in case of any default6% per annum will be applicable in case of any default6% per annum will be applicable in case of any default6% per annum will be applicable in case of any default6% per annum will be applicable in case of any default
7Prepayment/Foreclosure charge4% on sanction limit (Closure within 1 year of account opening)Nil4% on sanction limit (Closure within 1 year of account opening)0.50% of the amount , if closed within 30 daysNilNilNil
8Legal/Collection/Repossession and incidental charges are those expenses that are not budgeted or specified but are incurred by the bank on behalf of the customerAs per actualsAs per actualsAs per actualsAs per actualsAs per actualsAs per actualsAs per actuals
9No dues certificate/ No objection certificateNilNilNilNilNilNilNil
11Non submission of stock statementNilNilNilNilNil6% (plus taxes) of the outstanding amount from the date of default6% (plus taxes) of the outstanding amount from the date of default
10ROC filing chargesRs. 1200/- per filing +GST if filed within 30 days. Additional penalty will be levied after 30 daysRs. 1200/- per filing +GST if filed within 30 days. Additional penalty will be levied after 30 daysRs. 1200/- per filing +GST if filed within 30 days. Additional penalty will be levied after 30 daysNARs. 1200/- per filing +GST if filed within 30 days. Additional penalty will be levied after 30 daysRs. 1200/- per filing +GST if filed within 30 days. Additional penalty will be levied after 30 daysRs. 1200/- per filing +GST if filed within 30 days. Additional penalty will be levied after 30 days
12Non submission of property/stock insurance15% Additional rate of interest on the amount outstanding24% Additional rate of interest on the amount outstanding24% Additional rate of interest on the amount outstandingNA6% Additional rate of interest on the amount outstanding6% Additional rate of interest on the amount outstanding6% Additional rate of interest on the amount outstanding


Corporate Credit


Click here for revised schedule of charges effective from 01.06.2019.

ChargesPrivée Infinite Credit CardWealth Signature Credit CardSignature Credit Card
Standard Joining FeeNilNilNil
Standard Annual FeeNilNilNil
Standard Add-on Card Joining FeeNilNilNil
Standard Add-on Card Annual FeeNilNilNil
Finance Charges (Retail Purchases & Cash)2.95% per month (41.75% per annum)2.95% per month (41.75% per annum)2.95% per month (41.75% per annum)
Cash Withdrawal Fees2.5% of the amount withdrawn or Min. Rs.500 2.5% of the amount withdrawn or Min. Rs.500 2.5% of the amount withdrawn or Min. Rs.500
Fee for Cash Payment Rs. 50/-Rs. 50/-Rs. 50/-
Card Replacement (lost or stolen or re-issue)WaivedWaivedWaived
Emergency Card Replacement Fee when overseas (through VISA)As per VISA Global Customer Assistance Services (GCAS).As per VISA Global Customer Assistance Services (GCAS).As per VISA Global Customer Assistance Services (GCAS).
Duplicate Statement FeeWaivedWaivedWaived
Overdue Penalty or Late Payment Fee

Nil if the amount is upto Rs. 100

Rs. 100 if Total Payment Due is between Rs.101- Rs. 300

Rs. 300 if Total Payment Due is between Rs. 301 - Rs.1000

Rs. 500 if due-amount is between Rs. 1,001 - Rs. 5,000

Rs. 600 if due-amount is between Rs. 5,001 - Rs. 10,000

Rs. 700 if due-amount is more than Rs. 10,000

Nil if the amount is upto Rs. 100

Rs. 100 if Total Payment Due is between Rs.101- Rs. 300

Rs. 300 if Total Payment Due is between Rs. 301 - Rs.1000

Rs. 500 if due-amount is between Rs. 1,001 - Rs. 5,000

Rs. 600 if due-amount is between Rs. 5,001 - Rs. 10,000

Rs. 700 if due-amount is more than Rs. 10,000

Nil if the amount is upto Rs. 100

Rs. 100 if Total Payment Due is between Rs.101- Rs. 300

Rs. 300 if Total Payment Due is between Rs. 301 - Rs.1000

Rs. 500 if due-amount is between Rs. 1,001 - Rs. 5,000

Rs. 600 if due-amount is between Rs. 5,001 - Rs. 10,000

Rs. 700 if due-amount is more than Rs. 10,000

Over Limit Penalty3% of the overlimit amount (Min. Rs 500)3% of the overlimit amount (Min. Rs 500)3% of the overlimit amount (Min. Rs 500)
Chargeslip Retrieval Fee or Copy Request FeeWaivedWaivedWaived
Outstation Cheque FeeWaivedWaivedWaived
Cheque return or dishonour Fee or Autodebit Reversal Bank A/c out of Funds2% of the payment amount subject to minimum Rs.450 2% of the payment amount subject to minimum Rs.450 2% of the payment amount subject to minimum Rs.450
Surcharge on purchase or cancellation of Railway TicketsAs prescribed by IRCTC/Indian RailwaysAs prescribed by IRCTC/Indian RailwaysAs prescribed by IRCTC/Indian Railways
Fuel Transaction Surcharge1% of transaction amount (Refunded for fuel transactions between Rs. 400 and Rs. 4000)1% of transaction amount (Refunded for fuel transactions between Rs. 400 and Rs. 4000)1% of transaction amount (Refunded for fuel transactions between Rs. 400 and Rs. 4000)
Foreign Currency Transaction Fee3.50% of the transaction value3.50% of the transaction value3.50% of the transaction value
Mobile Alerts for TransactionsWaivedWaivedWaived
Hotlisting ChargesWaivedWaivedWaived
Balance Enquiry ChargesWaivedWaivedWaived
<
ChargesPlatinum AdvantagePlatinumTitanium/GoldSilver
Standard Joining FeeRs 1000Rs. 500 (Waived on spends of
Rs. 5000 within 45 days of card setup), for cards setup on or after February 07, 2011

Nil, for cards setup before February 07, 2011
Rs. 250 (Waived on spends of
Rs. 2500 within 45 days of card setup), for cards setup on or after February 07, 2011

Nil, for cards setup before February 07, 2011
Nil
Standard Annual FeeRs 500Rs.200 (from 2nd year onwards. Waived on spends of Rs. 100000 in the preceding year), for cards setup on or after February 07, 2011

Nil, for cards setup before February 07, 2011
Rs.100 (from 2nd year onwards. Waived on spends of Rs. 50000 in the preceding year), for cards setup on or after February 07, 2011

Nil, for cards setup before February 07, 2011
Nil
Standard Add-on Card Joining FeeNilRs 100, for cards setup before February 07, 2011

Nil, for cards setup on or after February 07, 2011
Rs 100, for cards setup before February 07, 2011

Nil, for cards setup on or after February 07, 2011
Nil
Standard Add-on Card Annual FeeNilNilNilNil
Finance Charges (Retail Purchases & Cash)3.25% per month ( 46.78% per annum) 3.4% per month (49.36% per annum) 3.4% per month (49.36% per annum)3.4% per month (49.36% per annum)
Cash Withdrawal Fees2.5% of the amount withdrawn or Min. Rs.500 2.5% of the amount withdrawn or Min. Rs.500 2.5% of the amount withdrawn or Min. Rs.500 2.5% of the amount withdrawn or Min. Rs.500
Fee for Cash Payment Rs. 100/-
(Effective March 01, 2014)
Rs. 100/-
(Effective March 01, 2014)
Rs. 100/-
(Effective March 01, 2014)
Rs. 100/-
(Effective March 01, 2014)
Card Replacement (lost or stolen or re-issue)WaivedWaivedWaivedWaived
Emergency Card Replacement Fee when overseas (through VISA)As per VISA Global Customer Assistance Services (GCAS).As per VISA Global Customer Assistance Services (GCAS).As per VISA Global Customer Assistance Services (GCAS).As per VISA Global Customer Assistance Services (GCAS).
Duplicate Statement FeeWaivedWaivedWaivedWaived
Overdue Penalty or Late Payment Fee

Nil if the amount is upto Rs. 100

Rs. 100 if Total Payment Due is between Rs.101- Rs. 300

Rs. 300 if Total Payment Due is between Rs. 301 - Rs.1000

Rs. 500 if due-amount is between Rs. 1,001 - Rs. 5,000

Rs. 600 if due-amount is between Rs. 5,001 - Rs. 10,000

Rs. 700 if due-amount is more than Rs. 10,000

Nil if the amount is upto Rs. 100

Rs. 100 if Total Payment Due is between Rs.101- Rs. 300

Rs. 300 if Total Payment Due is between Rs. 301 - Rs.1000

Rs. 500 if due-amount is between Rs. 1,001 - Rs. 5,000

Rs. 600 if due-amount is between Rs. 5,001 - Rs. 10,000

Rs. 700 if due-amount is more than Rs. 10,000

Nil if the amount is upto Rs. 100

Rs. 100 if Total Payment Due is between Rs.101- Rs. 300

Rs. 300 if Total Payment Due is between Rs. 301 - Rs.1000

Rs. 500 if due-amount is between Rs. 1,001 - Rs. 5,000

Rs. 600 if due-amount is between Rs. 5,001 - Rs. 10,000

Rs. 700 if due-amount is more than Rs. 10,000

Nil if the amount is upto Rs. 100

Rs. 100 if Total Payment Due is between Rs.101- Rs. 300

Rs. 300 if Total Payment Due is between Rs. 301 - Rs.1000

Rs. 500 if due-amount is between Rs. 1,001 - Rs. 5,000

Rs. 600 if due-amount is between Rs. 5,001 - Rs. 10,000

Rs. 700 if due-amount is more than Rs. 10,000

Over Limit Penalty3% of the overlimit amount (Min. Rs 500) 3% of the overlimit amount (Min. Rs 500) 3% of the overlimit amount (Min. Rs 500) 3% of the overlimit amount (Min. Rs 500)
Chargeslip Retrieval Fee or Copy Request FeeWaivedWaivedWaivedWaived
Outstation Cheque FeeWaivedWaivedWaivedWaived
Cheque return or dishonour Fee or Autodebit Reversal Bank A/c out of Funds2% of the payment amount subject to minimum Rs.450 2% of the payment amount subject to minimum Rs.450 2% of the payment amount subject to minimum Rs.450 2% of the payment amount subject to minimum Rs.450
Surcharge on purchase or cancellation of Railway TicketsAs prescribed by IRCTC/Indian RailwaysAs prescribed by IRCTC/Indian RailwaysAs prescribed by IRCTC/Indian RailwaysAs prescribed by IRCTC/Indian Railways
Fuel Transaction Surcharge1% of transaction amount (Refunded for fuel transactions between Rs. 400 and Rs. 4000)1% of transaction amount (Refunded for fuel transactions between Rs. 400 and Rs. 4000)1% of transaction amount (Refunded for fuel transactions between Rs. 400 and Rs. 4000)1% of transaction amount (Refunded for fuel transactions between Rs. 400 and Rs. 4000)
Foreign Currency Transaction Fee3.50% of the transaction value3.50% of the transaction value3.50% of the transaction value3.50% of the transaction value
Mobile Alerts for TransactionsWaivedWaivedWaivedWaived
Hotlisting ChargesNilNilNilNil
Balance Enquiry ChargesWaivedWaivedWaivedWaived

With effect from February 21, 2011, PlusPoint Redemption fee of Rs. 30 will be charged for each redemption request

ChargesMy ChoiceMy ZoneMy WingsMy Business
Standard Joining FeeRs. 250

(For My Choice Image personalization fee Rs. 150)
Rs. 500 waived upon spends of Rs 5000 in 45 daysRs. 1200Rs. 999
Standard Annual Fee1st year :Nil and 2nd year onwards :2501st year :Nil and 2nd year onwards :Rs. 5001st year :Nil and 2nd year onwards :Rs. 5001st year :Nil and 2nd year onwards :Rs. 499
Standard Add-on Card Joining FeeNil

(For My Choice Image personalization fee Rs. 150)
NilNilNil
Standard Add-on Card Annual FeeNilNilNilNil
Finance Charges (Retail Purchases & Cash)3.4% per month (49.36% per annum)3.4% per month (49.36% per annum)3.4% per month (49.36% per annum)3.4% per month (49.36% per annum)
Cash Withdrawal Fees2.5% of the amount withdrawn or Min. Rs.500 2.5% of the amount withdrawn or Min. Rs.500 2.5% of the amount withdrawn or Min. Rs.500 2.5% of the amount withdrawn or Min. Rs.500
Fee for Cash PaymentRs. 100/-
Rs. 100/-
Rs. 100/-
Rs. 100/-
Card Replacement (lost or stolen or re-issue)Other Card : Nil
Image Card : Rs 150
WaivedWaivedWaived
Emergency Card Replacement Fee when overseas (through VISA / MasterCard) As per Master Card Emergency ServicesAs per VISA Global Customer Assistance Services (GCAS)As per Master Card Emergency ServicesAs per VISA Global Customer Assistance Services (GCAS)
Duplicate Statement FeeWaivedWaivedWaivedWaived
Overdue Penalty or Late Payment Fee

Nil if the amount is upto Rs. 100

Rs. 100 if Total Payment Due is between Rs.101- Rs. 300

Rs. 300 if Total Payment Due is between Rs. 301 - Rs.1000

Rs. 500 if due-amount is between Rs. 1,001 - Rs. 5,000

Rs. 600 if due-amount is between Rs. 5,001 - Rs. 10,000

Rs. 700 if due-amount is more than Rs. 10,000

Nil if the amount is upto Rs. 100

Rs. 100 if Total Payment Due is between Rs.101- Rs. 300

Rs. 300 if Total Payment Due is between Rs. 301 - Rs.1000

Rs. 500 if due-amount is between Rs. 1,001 - Rs. 5,000

Rs. 600 if due-amount is between Rs. 5,001 - Rs. 10,000

Rs. 700 if due-amount is more than Rs. 10,000

Nil if the amount is upto Rs. 100

Rs. 100 if Total Payment Due is between Rs.101- Rs. 300

Rs. 300 if Total Payment Due is between Rs. 301 - Rs.1000

Rs. 500 if due-amount is between Rs. 1,001 - Rs. 5,000

Rs. 600 if due-amount is between Rs. 5,001 - Rs. 10,000

Rs. 700 if due-amount is more than Rs. 10,000

Nil if the amount is upto Rs. 100

Rs. 100 if Total Payment Due is between Rs.101- Rs. 300

Rs. 300 if Total Payment Due is between Rs. 301 - Rs.1000

Rs. 500 if due-amount is between Rs. 1,001 - Rs. 5,000

Rs. 600 if due-amount is between Rs. 5,001 - Rs. 10,000

Rs. 700 if due-amount is more than Rs. 10,000

Over Limit Penalty3% of the overlimit amount (Min. Rs 500)3% of the overlimit amount (Min. Rs 500)3% of the overlimit amount (Min. Rs 500)3% of the overlimit amount (Min. Rs 500)
Chargeslip Retrieval Fee or Copy Request FeeWaivedWaivedWaivedWaived
Outstation Cheque FeeWaivedWaivedWaivedWaived
Cheque return or dishonour Fee or Autodebit Reversal Bank A/c out of Funds2% of the payment amount subject to minimum Rs.450 2% of the payment amount subject to minimum Rs.450 2% of the payment amount subject to minimum Rs.450 2% of the payment amount subject to minimum Rs.450
Surcharge on purchase or cancellation of Railway TicketsAs prescribed by IRCTC/Indian RailwaysAs prescribed by IRCTC/Indian RailwaysAs prescribed by IRCTC/Indian RailwaysAs prescribed by IRCTC/Indian Railways
Fuel Transaction Surcharge waiverN/A1% of transaction amount (Refunded for fuel transactions between Rs. 400 and Rs. 4000)1% of transaction amount (Refunded for fuel transactions between Rs. 400 and Rs. 4000)1% of transaction amount (Refunded for fuel transactions between Rs. 400 and Rs. 4000)
Foreign Currency Transaction Fee3.50% of the transaction value3.50% of the transaction value3.50% of the transaction value3.50% of the transaction value
Mobile Alerts for TransactionsFreeFreeFreeFree
Hotlisting ChargesNilNilNilNil
Balance Enquiry ChargesWaivedWaivedWaivedWaived
ChargesVistara Card Vistara SignatureVistara Infinite
Standard Joining FeeRs. 1,500Rs. 3,000Rs. 10,000
Standard Annual Fee (2nd year onwards)Rs. 1,500Rs. 3,000Rs. 10,000
Standard Add-on Card Joining FeeNilNilNil
Standard Add-on Card Annual FeeNilNilNil
Finance Charges (Retail Purchases & Cash)2.95% per month (41.75% per annum)2.95% per month (41.75% per annum)2.95% per month (41.75% per annum)
Cash Withdrawal Fees2.5% of the amount withdrawn or Min. Rs.500 2.5% of the amount withdrawn or Min. Rs.500 2.5% of the amount withdrawn or Min. Rs.500
Fee for Cash PaymentINR 100/-INR 100/-INR 100/-
Card Replacement (lost or stolen or re-issue)WaivedWaivedWaived
Duplicate Statement FeeWaivedWaivedWaived
Overdue Penalty or Late Payment Fee

Nil if the amount is upto Rs. 100

Rs. 100 if Total Payment Due is between Rs.101- Rs. 300

Rs. 300 if Total Payment Due is between Rs. 301 - Rs.1000

Rs. 500 if due-amount is between Rs. 1,001 - Rs. 5,000

Rs. 600 if due-amount is between Rs. 5,001 - Rs. 10,000

Rs. 700 if due-amount is more than Rs. 10,000

Nil if the amount is upto Rs. 100

Rs. 100 if Total Payment Due is between Rs.101- Rs. 300

Rs. 300 if Total Payment Due is between Rs. 301 - Rs.1000

Rs. 500 if due-amount is between Rs. 1,001 - Rs. 5,000

Rs. 600 if due-amount is between Rs. 5,001 - Rs. 10,000

Rs. 700 if due-amount is more than Rs. 10,000

Nil if the amount is upto Rs. 100

Rs. 100 if Total Payment Due is between Rs.101- Rs. 300

Rs. 300 if Total Payment Due is between Rs. 301 - Rs.1000

Rs. 500 if due-amount is between Rs. 1,001 - Rs. 5,000

Rs. 600 if due-amount is between Rs. 5,001 - Rs. 10,000

Rs. 700 if due-amount is more than Rs. 10,000

Over Limit Penalty3% of the overlimit amount (Min. INR 500)3% of the overlimit amount (Min. INR 500)3% of the overlimit amount (Min. INR 500)
Chargeslip Retrieval Fee or Copy Request FeeWaivedWaivedWaived
Outstation Cheque FeeWaivedWaivedWaived
Cheque return or dishonour Fee or Auto-debit ReveINRal 2% of the payment amount subject to minimum Rs.4502% of the payment amount subject to minimum Rs.4502% of the payment amount subject to minimum Rs.450
Surcharge on purchase or cancellation of Railway TicketsAs prescribed by IRCTC/Indian RailwaysAs prescribed by IRCTC/Indian RailwaysAs prescribed by IRCTC/Indian Railways
Fuel Transaction SurchargeN.AN.A1% of transaction amount (Refunded for fuel transactions between Rs. 400 and Rs. 4000)
Foreign Currency Transaction Fee3.50% of the transaction value3.50% of the transaction value3.50% of the transaction value
Mobile Alerts for TransactionsWaivedWaivedWaived
Hotlisting ChargesWaivedWaivedWaived
Balance Enquiry ChargesWaivedWaivedWaived
DescriptionsBuzz Credit Card ChargesNeo Credit Card Charges
Joining FeeRs.750 Rs.250 Waived upon spends of Rs.2500 in 45 days
Annual Fee

1st Year:

2nd Year onwards:

Nil

Rs. 750

1st Year:

2nd Year onwards:

Nil

Rs. 250

Add-on Card Joining FeeNilNil
Add-on Card Annual FeeNilNil
Card Replacement Fee(lost or stolen or re -issue)WaivedWaived
Cash Payment FeeRs. 100/-Rs. 100/-
Duplicate Statement FeeWaivedWaived
Chargeslip Retrieval Fee or Copy Request FeeWaivedWaived
Outstation Cheque FeeWaivedWaived
Mobile Alerts for TransactionsFreeFree
Hotlisting ChargesNilNil
Balance Enquiry ChargesWaivedWaived
Finance Charges (Retail Purchases & Cash)3.4% per month (49.36% per annum)3.4% per month (49.36% per annum)
Cash Withdrawal Fees2.5% of the amount withdrawn or Min. Rs.500 2.5% of the amount withdrawn or Min. Rs.500
Overdue Penalty or Late Payment Fee

Nil if the amount is upto Rs. 100

Rs. 100 if Total Payment Due is between Rs.101- Rs. 300

Rs. 300 if Total Payment Due is between Rs. 301 - Rs.1000

Rs. 500 if due-amount is between Rs. 1,001 - Rs. 5,000

Rs. 600 if due-amount is between Rs. 5,001 - Rs. 10,000

Rs. 700 if due-amount is more than Rs. 10,000

Nil if the amount is upto Rs. 100

Rs. 100 if Total Payment Due is between Rs.101- Rs. 300

Rs. 300 if Total Payment Due is between Rs. 301 - Rs.1000

Rs. 500 if due-amount is between Rs. 1,001 - Rs. 5,000

Rs. 600 if due-amount is between Rs. 5,001 - Rs. 10,000

Rs. 700 if due-amount is more than Rs. 10,000

Over Limit Penalty3% of the over limit amount (Min. Rs 500)3% of the over limit amount (Min. Rs 500)
Cheque return or dishonour Fee or Auto-debit Reversal2% of the payment amount subject to minimum Rs.4502% of the payment amount subject to minimum Rs.450
Surcharge on purchase or cancellation of Railway TicketsAs prescribed by IRCTC/Indian RailwaysAs prescribed by IRCTC/Indian Railways
Fuel Transaction Surcharge1% of the transaction amount1% of the transaction amount
Foreign Currency Transaction Fee3.50% of the transaction value3.50% of the transaction value
Service TaxAs per existing Government normsAs per existing Government norms
<
ChargesEasy
Platinum Advantage PlatinumGoldSilver
Standard Joining FeeRs. 1000NilNilNil
Standard Annual FeeRs. 500 paNilRs. 100 from Year 2Nil
Standard Add-on Card Joining FeeNilRs. 100 Rs. 100Nil
Standard Add-on Card Annual FeeNilNilNilNil
Finance Charges (Retail Purchases & Cash)1.95% p.m.3.4% per month (49.36% per annum)3.4% per month (49.36% per annum)3.4% per month (49.36% per annum)
Cash Withdrawal Fees2.5% of the amount withdrawn or Min. Rs.500 2.5% of the amount withdrawn or Min. Rs.500 2.5% of the amount withdrawn or Min. Rs.500 2.5% of the amount withdrawn or Min. Rs.500
Fee for Cash Payment Rs. 100/-
(Effective March 01, 2014)
Rs. 100/-
(Effective March 01, 2014)
Rs. 100/-
(Effective March 01, 2014)
Rs. 100/-
(Effective March 01, 2014)
Card Replacement (lost or stolen or re-issue)WaivedWaivedWaivedWaived
Emergency Card Replacement Fee when overseas (through VISA)As per VISA Global Customer Assistance Services (GCAS).As per VISA Global Customer Assistance Services (GCAS).As per VISA Global Customer Assistance Services (GCAS).As per VISA Global Customer Assistance Services (GCAS).
Duplicate Statement FeeWaivedWaivedWaivedWaived
Overdue Penalty or Late Payment Fee

Nil if the amount is upto Rs. 100

Rs. 100 if Total Payment Due is between Rs.101- Rs. 300

Rs. 300 if Total Payment Due is between Rs. 301 - Rs.1000

Rs. 500 if due-amount is between Rs. 1,001 - Rs. 5,000

Rs. 600 if due-amount is between Rs. 5,001 - Rs. 10,000

Rs. 700 if due-amount is more than Rs. 10,000

Nil if the amount is upto Rs. 100

Rs. 100 if Total Payment Due is between Rs.101- Rs. 300

Rs. 300 if Total Payment Due is between Rs. 301 - Rs.1000

Rs. 500 if due-amount is between Rs. 1,001 - Rs. 5,000

Rs. 600 if due-amount is between Rs. 5,001 - Rs. 10,000

Rs. 700 if due-amount is more than Rs. 10,000

Nil if the amount is upto Rs. 100

Rs. 100 if Total Payment Due is between Rs.101- Rs. 300

Rs. 300 if Total Payment Due is between Rs. 301 - Rs.1000

Rs. 500 if due-amount is between Rs. 1,001 - Rs. 5,000

Rs. 600 if due-amount is between Rs. 5,001 - Rs. 10,000

Rs. 700 if due-amount is more than Rs. 10,000

Nil if the amount is upto Rs. 100

Rs. 100 if Total Payment Due is between Rs.101- Rs. 300

Rs. 300 if Total Payment Due is between Rs. 301 - Rs.1000

Rs. 500 if due-amount is between Rs. 1,001 - Rs. 5,000

Rs. 600 if due-amount is between Rs. 5,001 - Rs. 10,000

Rs. 700 if due-amount is more than Rs. 10,000

Over Limit Penalty 3% of the overlimit amount (Min. Rs 500) 3% of the overlimit amount (Min. Rs 500) 3% of the overlimit amount (Min. Rs 500) 3% of the overlimit amount (Min. Rs 500)
Chargeslip Retrieval Fee or Copy Request FeeWaivedWaivedWaivedWaived
Outstation Cheque FeeWaivedWaivedWaivedWaived
Cheque return or dishonour Fee or Autodebit Reversal Bank A/c out of Funds2% of the payment amount subject to minimum Rs.450 2% of the payment amount subject to minimum Rs.450 2% of the payment amount subject to minimum Rs.450 2% of the payment amount subject to minimum Rs.450
Surcharge on purchase or cancellation of Railway TicketsAs prescribed by IRCTC/Indian RailwaysAs prescribed by IRCTC/Indian RailwaysAs prescribed by IRCTC/Indian RailwaysAs prescribed by IRCTC/Indian Railways
Petrol Transaction Surcharge1% of transaction amount (Refunded for fuel transactions between Rs. 400 and Rs. 4000)1% of transaction amount (Refunded for fuel transactions between Rs. 400 and Rs. 4000)1% of transaction amount (Refunded for fuel transactions between Rs. 400 and Rs. 4000)1% of transaction amount (Refunded for fuel transactions between Rs. 400 and Rs. 4000)
Foreign Currency Transaction Fee3.50% of the transaction value3.50% of the transaction value3.50% of the transaction value3.50% of the transaction value
Mobile Alerts for TransactionsWaivedWaivedWaivedWaived
Hotlisting ChargesNilNilNilNil
Balance Enquiry ChargesWaivedWaivedWaivedWaived

With effect from February 21, 2011, PlusPoint Redemption fee of Rs. 30 will be charged for each redemption request.

ChargesCorporate
Corporate LiabilityIndividual Liability
Standard Joining FeeAs agreed with companyAs agreed with company
Standard Annual FeeAs agreed with companyAs agreed with company
Standard Add-on Card Joining FeeNANil
Standard Add-on Card Annual FeeNANil
Finance Charges (Retail Purchases & Cash)NA2.95% Per month (41.75% per annum)
Cash Withdrawal Fees2.5% of the amount withdrawn or Min. Rs.5002.5% of the amount withdrawn or Min. Rs.500
Fee for Cash Payment NilRs. 50/-
Card Replacement (lost or stolen or re-issue)NilNil
Emergency Card Replacement Fee when overseas (through VISA)As per VISA Global Customer Assistance Services(GCAS) As per VISA Global Customer Assistance Services(GCAS)
Duplicate Statement FeeWaivedWaived
Overdue Penalty or Late Payment Fee3% of the total amount due(Min. Rs. 350)

Rs. 300 if Total Payment Due is up to Rs. 2000

Rs. 400 if Total Payment Due is between Rs. 2001 - Rs. 5000

Rs. 600 if Total Payment Due is Rs. 5001 or more

Over Limit Penalty3% of the Overlimit Amount (Min Rs. 300)3% of the Overlimit Amount (Min Rs. 500)
Chargeslip Retrieval Fee or Copy Request FeeRs 200Rs 200
Outstation Cheque FeeWaivedWaived
Cheque return or dishonour Fee or Autodebit Reversal Bank A/c out of FundsRs. 300Rs. 300
Surcharge on purchase or cancellation of Railway TicketsAs prescribed by IRCTC/Indian Railways As prescribed by IRCTC/Indian Railways
Petrol Transaction Charge1% of transaction amount (Refunded for fuel transactions between Rs. 400 and Rs. 4000)1% of transaction amount (Refunded for fuel transactions between Rs. 400 and Rs. 4000)
Foreign Currency Transaction Fee3.5% of the transaction value3.5% of the transaction value
Mobile Alerts for TransactionsWaivedWaived
Hotlisting ChargesNilNil
Balance Enquiry ChargesWaivedWaived

With effect from February 21, 2011, PlusPoint Redemption fee of Rs. 30 will be charged for each redemption request.

ChargesTrust Chemist Credit CardShriram Credit Card
Standard Joining FeeNil500 (incl of taxes)
Standard Annual FeeNilRs 300
Standard Add-on Card Joining FeeNilNA
Standard Add-on Card Annual FeeNilNA
Finance Charges (Retail Purchases & Cash)2.95% Per month (41.75% per annum)2.95% Per month (41.75% per annum)
Cash Withdrawal Fees2.5% (Min. Rs 250) of the Cash Amount2.5% (Min Rs 100)
Fee for Cash PaymentNilNil
Card Replacement (lost or stolen or re-issue)Rs 100Rs 250
Emergency Card Replacement Fee when overseas (through VISA)As per VISA Global Customer Assistance Services (GCAS).NA
Duplicate Statement FeeRs 50Rs 50
Overdue Penalty or Late Payment Fee

Rs. 300 if Total Payment Due is up to Rs. 2000

Rs. 400 if Total Payment Due is between Rs. 2001 - Rs. 5000

Rs. 600 if Total Payment Due is Rs. 5001 or more

30% of Min. Amt. Due (Min. Rs 100, Max. Rs 300)
Over Limit Penalty3% of the Overlimit Amount (Min Rs 500)
3% of the Overlimit Amount (Min Rs 300)
Chargeslip Retrieval Fee or Copy Request FeeRs 200Rs 200
Outstation Cheque FeeRs 50Rs 50
Cheque return or dishonour Fee or Autodebit Reversal Bank A/c out of FundsRs 300Rs 300
Surcharge on purchase or cancellation of Railway TicketsAs prescribed by IRCTC/Indian RailwaysNA
Petrol Transaction Charge 1% of transaction amount1% of transaction amount
Foreign Currency Transaction Fee3.5% of transaction amountNA
Mobile Alerts for TransactionsWaivedWaived
Hotlisting ChargesNilNil
Balance Enquiry ChargesWaivedWaived

With effect from February 21, 2011, PlusPoint Redemption fee of Rs. 30 will be charged for each redemption request.


Debit Cards


Click here for Complete list of service fees and charges.


Agri Rural


Click here for fees and charges for Rural Lending.

Investment and Insurance


Life Insurance

To know the applicable commissions and charges, please contact your nearest Branch / Relationship Manager

To know the applicable commissions and charges, please contact your nearest Branch / Relationship Manager

To know the applicable commissions and charges, please contact your nearest Branch / Relationship Manager

To know the applicable commissions and charges, please contact your nearest Branch / Relationship Manager


Foreign Exchange


Link to RBI website on service charges and fees.

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