
Savings Account Interest Rate w.e.f. 5th Nov, 2020
- Savings account interest rate
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Daily Closing Balance Rate Slab Up to ₹ 1 lakh 3.50% Above ₹ 1 lakh and up to ₹ 30 cr 7.00% Above ₹ 30 crs and up to ₹ 50 crs 7.25% Above ₹ 50 crs Contact Branch
Interest will be calculated on the daily closing balance of the account
Interest will be paid on quarterly basis by direct credit in the savings account
Slabs Rates are applicable on the incremental amount based on the closing balance
Please read all terms and conditions
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Charges
Schedule of charges for Savings Accounts w.e.f 1st June 2020.
- Balance Maintenance & Cheque Book
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Average Monthly Balance (50% for semi-urban and rural areas) ₹ 50,000/-(AMB) Non Maintenance Charges NO CHARGES APPLICABLE - Grouping with Family Accounts or Business
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Current Account Grouping Can be grouped to Current Account of equal or higher value Savings Account Grouping 3 account of family member SA of the same or lower value can be grouped Cheque book (PAP cheque book of 25 leafs) Free Charges beyond free limits NA - Collections
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Local cheque clearing Free Outstation cheque collection charges at bank location Upto ₹5000 charge of ₹25, Above 5000 and upto and including ₹10,000 charge of ₹50/-, Above ₹10,000 and upto including ₹100000 charge of ₹100/-, Above ₹100000 charge of ₹150/-
Outstation cheque collection charges at non-bank location RTGS/NEFT/IMPS Inward Free Foreign inward remittance Free - Payments
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Demand Draft and Payorder at branch locations Free upto 10 DD’s per month Charges beyond free limits ₹ 50 per DD Demand Draft at non-branch locations ₹ 100 per DD PAP Cheque payment Free RTGS and NEFT Outward - At Branch (Free online) NEFT : Upto ₹10000/- ₹2.25, From ₹10001 to ₹100000 : ₹4.5, From ₹100001 to ₹200000 : ₹14.5,Above ₹200000 : ₹24.5. RTGS: From ₹200000 to ₹500000 :₹20, Greater than ₹500000 : ₹40. IMPS Outward (per day limit of ₹ 2,00,000/-) Free - Cash Charges
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Cash Deposit limit at home location ( including ATM & Branch ) 5 times of the previous month AMB or ₹2,50,000 per month whichever is lower Charges beyond free limits ₹ 3/1000 Cash Deposit at Non-Home location free limit ( including ATM & Branch ) NIL Charges beyond free limits ₹ 4/1000 Cash Withdrawal at home location Free Cash Withdrawal at Non-Home location Free upto ₹50,000 by self or third party, charges beyond that ₹ 4/1000 Cash Withdrawal using Debit Card at metro location other bank ATM Free Cash Withdrawal using Debit Card at non-metro location other bank ATM Free Charges beyond free limits of ATM withdrawals ₹ 20 per txn Cash withdrawal outside India (for international cards only) ₹ 110/- per transaction Balance Inquiry Outside India (for international cards only) ₹ 25/- per transaction - Other Charges
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Wings VISA Signature Debit Card (Charges for renewal only) Free for first year and ₹ 400/- from second year onwards Card Transaction Slip Retrieval charges (for incorrect claims) ₹ 250/- per slip Stop payment single cheque (free online) ₹ 100/- per cheque Stop payment series (free online) ₹ 150/- for a series of 25 cheques Outward cheque return charges for financial reasons ₹ 50/- per cheque Outward cheque return charges for technical reasons NIL Inward cheque return charges for financial reasons Upto 2 cheques ₹ 350/- per cheque, 3-5 cheques ₹ 500, 6th cheque onwards ₹ 750 per cheque Inward cheque return charges for technical reasons NIL Standing instructions set up Free Standing instructions amendment Free Standing Instructions failure (return) ₹ 150/- per return ECS/NACH Return due to financial reasons ₹ 200/- per return SMS Alerts Free - Certificate and Report issuance
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Balance Certificate Branch (Online Free) Free Previous Year balance and interest statement (Free Online) 1 free per annum, more than 1 ₹300/- per statement Passbook Issuance Free Duplicate Passbook issuance ₹ 50/- Signature verification certificate/Photo Attestation/Address Confirmation ₹ 50/- per instance Duplicate TDS certificate ₹ 100/- Duplicate account statement Print (Free Online or on email) ₹ 50/- DD/PO revalidation/cancellation ₹ 100/- Account closure charges if closed on customer request, after 15 days of account opening and before completing 6 months. ₹ 500/- Account Inactive charges NIL - Doorstep Banking*
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Senior citizens above the age of 70 years/Physically challenged OR infirm customers can contact branch/contact centre for doorstep banking services.Cheque pickup on call ₹ 50 per instance Cash pickup Beat (charges per month) Upto ₹ 200000 ₹ 2200/- ₹ 200000 to ₹ 500000 ₹ 3200/- ₹ 500000 to ₹ 1000000 ₹ 8000/- ₹ 1000000 to ₹ 2000000 ₹ 12000/- ₹ 2000000 above Contact Branch Cash pickup on call (charges per instance) Upto ₹ 200000 ₹ 150/- ₹ 200000 to ₹ 500000 ₹ 300/- ₹ 500000 to ₹ 1000000 ₹ 500/- ₹ 1000000 to ₹ 2000000 ₹ 800/- ₹ 2000000 above Contact Branch - No of Transactions
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Aggregation of all the customer induced transaction including:
Cash / Cheque / DSB / DD /IMPS(Excluding Online and ATM transaction, but including IMPS) NA Charges beyond free limits NA
Available on request at select locations only. Taxes as applicable will be additional.
PAP = Payable At Par | NA = Not Applicable |
SA = Savings Account | CA = Current Account |