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Personal Banking

Last Updated on: 14/06/2023



Accounts can be opened by all those who are eligible to open savings bank accounts.

Quarterly Average Balance (QAB)

Rs 50,000/- for all

Non-Maintenance of QAB per quarter

Flat Rs. 300/ per quarter

Internet & Mobile Banking Facility


Type of Debit card

VISA Gold/ Rupay Platinum/ VISA Signature/ Rupay Select

Debit Card Issuance Charges


Debit Card Annual Maintenance Charge


ATM Cash Withdrawal Limit

Rs 40,000/- in VISA Gold / Rs 50,000/ in Rupay Platinum and Select/ Rs 1 Lac in VISA Signature


Rs 1.25 Lac in VISA Gold and Rupay Platinum/Rs 3.5 Lac VISA Signature Rs 5 Lac Rupay Select

Ecom Limit

Rs 1.25 Lac in VISA Gold and Rupay Platinum/Rs 3.5 Lac in VISA Signature/ Rupay Select

ATM Access at own ATM

Unlimited FREE

ATM Access at other Bank ATM

Unlimited FREE

Lounge access: Domestic /International Airport

Lounge access is subject to card network. As per the present scenario, Rupay (Platinum/Select) provides 2 lounge access per quarter while VISA(Platinum/Signature) provides 1 lounge access per quarter

FREE Personal Accident Insurance -With account

Rs 5 Lakhs                        (Death + PPD & TPD)

FREE Personal Accident Insurance -With Debit Card

Rs 10 Lakhs by NPCI for RuPay Select Card

As per the terms & conditions of NPCI, at present Debit Card will be eligible for Rupay Insurance Program only if it is being used in POS/Ecom transaction once in 30 days

Type of Credit card

Vissa Classic/ Rupay Platinum/ Rupay Select/ VISA Gold

Credit Card limit subject to Bureau score, income norms and other eligibility criteria

Issuance Free Annual Maintenance Charges (AMC) -50% waiver.


Free both online & offline

RTGS Facility

Free both online & offline



Demand Draft


SWEEP OUT FACILITY (flexi Facility)

Available, if the balance exceeding Rs 1,25,000 will swept out and kept in TD

Core Deposit /Threshold Deposit

Rs 1,25,000/-

Sweep Out amount

Rs 10,000/-

Sweep out periodicity (From SB to FD account)

upto 179 days

Concession in Processing charges on retail loans

Up to 50% concession

Personalized Free Cheque Books            (per annum)

FREE up to 100 leaves a year.

SMS Charges


Concession on locker Rent

15 % waiver

Locker Operations


Processing fee for   home loan of Rs 25 lacs and above

100% concession

Processing fee for   home loan below Rs 25 lacs

50% concession

Rate of Interest on Home loan

0.05% p.a. concession in applicable ROI

Rate of Interest on Vehicle loan

0.05% p.a. concession in applicable ROI

Rate of Interest on Education loan more than Rs 7.5 lacs for study abroad / premier institution

0.05% p.a. concession in applicable ROI

Rate of Interest on Personal loan

0.10% p.a. concession in applicable ROI

Instant Credit of outstation cheques

Rs 25,000/-

Standing Instructions


Utility Bill Payment, online Tax payment


Stop Payment Instruction Charges


Account Statement through e-mail/e-Statement (Monthly)


Benefits with Repay Select Debit Card



15 days/1month free gym membership.

 40-50% discounted price on extension of membership.



1 Complimentary Golf Lesson / round in a year. Discounted access from 2nd visits onwards.

SPA services


1 Complimentary SPA session in a year. 40-50% discount on additional sessions throughout the year.

Health Check Up


1 Complimentary premium health check-up package in a year. Discounted Health Check-up facility post utilization of complimentary offer.

Concierge Services


Personal assistance anytime anywhere 24x7 is available in Hindi and English languages.

Exclusive merchant offers


Exclusive offers from selected partner merchants.