Trader Smart Current Account (TSCA)

 

The needs and wants of corporate/retail customers especially in trader segment vary from one customer to another. Hence it is important to customise the products which will suit the needs of all customers and also be competitive in the market. In view of the same we have tuned and customized a tailor made product with a bundle of features to meet your needs – Trader Smart Current Account

 

 

FEATURES / SERVICE CHARGES ( excluding service tax)
Sl No	Particulars
1	Monthly Average Minimum Balance	Metro &Urban Rs.50,000/-	Rural& Semi Urban Rs.25,000/-
2	Charges for Non Maintenance of Minimum Balance	Rs.500 per month
3	Ordinary/ABB cheque leaves	100 leaves FREE per month. Rs.3/- per leaf above FREE limit.
4	AMC on ATM Card	NIL for accounts having AMB of Rs.5 lacs and above - Applicable charges for all other accounts.
5	Replacement charges of ATM card	Rs.100/-
6	ATM card repin charges	Rs.100/- ( No charge for Green PIN)
7	AMC on SMS Service	Rs.75 half yearly, Free first 6 months (No AMC for one registered Mobile no)
8	Change in Mobile number for Mobile Banking Service.	Rs.100/-
9	Reconnection charge for Mobile Banking Service (to reactivate the service)	Rs.100/-
10	Mobile Banking	Free 24X7 IMPS, Within Bank NEFT (Charges applicable)
11	Remittance of cash through Home Branch and other branches	FREE up to 25 times AMB of previous month (Usual cash handling charges above the FREE limit)
12	Withdrawal of cash through branches other than parent branch	FREE
13	Movement of funds as other than by way of cash to parent branches	FREE
14	CHEQUE RETURN CHARGES
a.	Cheque / ECS return charges - outward returns (cheque / ECS mandate drawn / registered by the customer and returned to other banks / branches)	Rs.4/- per Rs. 1000/- with a minimum of Rs.200/- and a maximum of Rs.800/- per cheque/ ECS mandate returned
b.	Cheque return charges - Inward returns (Cheque drawn in favour of the customer presented in clearing / collection dishonoured by other banks / branches)	Rs.50/- per instrument
c.	Cheque return charges (OCC/ ICC returned/dishonoured by other banks/branches)	Rs.100/ per instrument
d.	Cheque stop payment charges	Rs.100/- per instrument. FREE for all accounts AMB Rs.5lacs and above.
15.	Demand Draft commission (20 % extra charges for Cash DDs & 1.5 times of such charges for Cash DDs purchased after 2.00 p.m.)	Rs.5 lakhs & 30 instruments FREE per month. Above FREE limit: Rs.1/1000 subject to a minimum of Rs.50/-and a maximum of Rs.10,000/- per DD (Maximum permitted MICR DD is 9,99,999/- adjust ceiling accordingly)
16.	RTGS/NEFT Fund Transfer (inward)	FREE
17.	RTGS/NEFT Fund Transfer (Outward)	First 30 RTGS/NEFT transactions FREE per month. Above FREE limit existing service charges applicable.

1.	Sweep facility	The cut off limit of Rs.5lakh for both Sweep in and Sweep Out facility .Term deposits in multiples ofRs.10,000/- for a fixed period of 30 days ,subject to a maximum amount of Deposit (either as a  single deposit or multiple deposits) Rs.25,00,000/-
2.	Door Step Banking Service [Cash/instrument pickup/delivery from/to customers]	1) 50% concession on Beat Pick up rates (no of Pick up/per day is limited to one) OR first 5 instance of on call pickups in a month FREE.  (If AMB is Rs. 5lacs and above in the previous month)   2) First 2 instances of on call pickups in a month FREE and normal charges are applicable thereafter.(If AMB between Rs.50,000/- and below Rs. 5lacs in the previous month).
3.	POS facility	1) FREE of Cost (Rent, Installation and Commitment charges etc) with concession in MDR. (If AMB is Rs. 5lacs and above in the previous month).   2) 50% concession in service charges (Rent, Installation and Commitment charges etc) with actual MDR (If AMB between Rs.50,000/- and below Rs.5lacs in the previous month).
4.	Credit Facilities:	Credit facility on the basis of eligibility fixed by the Bank

1. Parent branch & Non parent cash / transfer/ clearing transactions both debit as well as credit transactions. (Subject to CHC above FREE limit)
2. Local cheque / ECS clearing facility.
3. Fund transfer through Net Banking within the bank.
4. Automated SMS alerts to one registered mobile number.
5. Registration / Modification / Execution of Standing Instructions. (Actual postage & remittance charges extra, if applicable)
6. Transaction charges (no folio charges)
7. Duplicate A/c statement print as per request.
8. Duplicate / Cancellation / Revalidation charges for Demand Drafts.
9. A/c balance certificate.
10. Power of Attorney / Mandate – Registration / Modification.
11. Photo attestation.
12. Duplicate interest certificate as per request.