Service Charges

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Notice to VISA Platinum Debit Card Holders

Introduction of AMC for VISA Platinum Debit Cards

 An AMC of Rs. 100/- + S.Tax will be collected from all existing Visa Platinum and VISA Platinum EMV card holders wherein 1 year of issuance of the card has been completed. The same shall be applicable from 1st September 2014 onwards.
The existing VISA Platinum cardholders can avoid the AMC by replacing their Platinum card with VISA Classic or RuPay cards. VISA Classic /RuPay cards will be issued on customer request by the Branch without any issuance charge.
No other mode of intimation regarding the charges for VISA Platinum Debit Cards will be served by the Bank other than E-mail to the registered E-mail Ids of the VISA Platinum card holders of the bank.

 Issuance Charge And AMC for VISA Platinum cards

Charges associated with VISA Platinum & VISA Platinum EMV Cards
Issuance Fee  Rs. 200/- + S.Tax
AMC   Rs. 100/- + S.Tax


In case your account gets wrongly debited due to failed ATM transactions, you are requested to lodge a complaint immediately (within 30 days from the date of failed transaction) with the bank which has issued the ATM card.


Format for submitting the same is available at the ATM counters / branches. Kindly fill-up the transaction details accurately as per the format, so that your complaint can be resolved quickly.

As per the RBI guidelines, following stipulations are applicable to ATM transactions in India w.e.f. 1stJuly-2011
The number of free transactions (maximum five per month) permitted through other bank ATMs to Savings Bank Account holders shall be inclusive of all types of transactions i.e. both financial and non-financial. For the customers of other banks, maximum cash withdrawal would be Rs.10,000/- per transaction. Any transactions through ATMs of other banks for more than five times in a month may attract levy of service charges. (Rs.15+ service tax for cash withdrawal & Rs.5+ service tax /- for other transactions above the free limits). The facility of free transactions at other bank ATMs is available only to the Savings Bank Account holders.
We shall make all efforts to redress your complaints on failed ATM transactions within a maximum period of 7 working days from the date of receipt of your complaint. For any delay in resolving the complaint, bank shall compensate with an amount of Rs. 100/- per day for the delayed period. However, no compensation shall be provided if the claim is lodged after 30 days from the date of failed ATM transaction.
The charges for Usage of Other Banks’ ATMs by our debit card holders will be revised w.e.f 13.12.2014. The new charges are as follows:-
Category Revised charges

(Inclusive of Service tax)

Domestic Financial transactions Rs. 20
Domestic Non – financial transactions Rs. 9
International Financial transactions Rs. 150
International non – financial transactions Rs. 25


Retail Loan
Retail Loan
Loan Processing Charges 0.25% to 1%
Prepayment Charges  
If closed from own sources after 2 years Nil
If closed from own sources before 2 years 1% of the prepaid amount.
If closed through take over by other banks 2% of the pre-paid amount

Note: Pre-payment charges in respect of housing loans and other retail loans in the name of individuals , having floating rate of interest, is waived from 16.01.2012

No due Certificate NIL




Solvency Certificate

Up to Rs.0.25 lac : Rs.100.00
Above Rs.0.25 lac to Rs. 1 lac : Rs.250.00
Above Rs.1 lac to Rs. 5 lacs : Rs.500.00
Above Rs.5 lacs to Rs. 10 lacs : Rs.1000.00
Above Rs.10 lacs : Rs.100.00 per lac and part thereof
Charges for late payment of EMI Penal Additional Interest at 2%
Charges for changing from fixed to floating rates of interest Option once exercised cannot be changed
Charges for changing from float to fixed rates of interest Option once exercised cannot be changed
Charges for furnishing copy of CIBIL / any other credit information company report, to the borrowers at their request Rs.50/-

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