Business BankingBusiness AccountsTrader Smart Current Account (TSCA)
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.
 
Other Features
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 ,subjectto 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
 
 
 
 
 
Other FREE facilities Offered
 
  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.