1 |
Eligibility
Opening in Completely Digital Manner through Video KYC Process
Opening by Visiting Branch (Offline) |
Resident Individual/Proprietary Concern (above 18 years of age who are eligible to open current accounts, Wish to open an account verified with Aadhaar & PAN Card.)
Resident Individual/Proprietary concern (above 18 years of age) , Partnership firm, HUF, / Limited liability partnerships, Private limited companies, Co-operative societies / subsidiaries and associations / trusts / SMEs, / Local Bodies, /clubs, Religious organizations / educational institutes / government bodies ,Public sector undertakings, Domestic banks / regional rural banks / domestic co-operative banks, Foreign institutional investors/ foreign companies, Foreign banks, Insurance companies / mutual funds, Share and stock brokers ,Non-government organizations (NGOs / charitable trusts). subject to RBI directives
|
|
2
|
Minimum Balance Maintenance Requirement
|
No Minimum Balance Maintenance Requirement
|
|
3
|
Non-Maintenance of Minimum Balance Charges |
Not Applicable/Nil
|
|
4
|
Internet Banking &
Mobile Banking Facility
|
Free |
|
5 |
Type of Debit card |
Free Rupay Platinum debit card
(Only for the Resident Individual/Proprietary Concern) |
|
6
|
Lounge access:
Domestic /International Airport
|
Lounge access is subject to card network. As per the present scenario, NPCI for Rupay Platinum provides
- Two free lunge access per Card Holder per calendar quarter will be permitted subject to maximum of 8 (eight) airport lounge access per year. Unutilized access will lapse at the end of quarter and cannot be carried to next quarter
- RuPay Card Holder/s of participating bank/s are eligible to avail of the airport lounge access program.
|
|
7
|
Debit Card Issuance Charges |
Nil
(Rupay Platinum debit card) |
|
8
|
Debit Card
Annual Maintenance Charge |
Nil
(Rupay Platinum debit card |
|
9
|
ATM Access at own ATM |
Unlimited Free
(Rupay Platinum debit card)
|
|
10
|
ATM Access at other Bank ATM |
Unlimited Free
(Rupay Platinum debit card) |
|
11
|
ATM Cash Withdrawal Limit |
Rs 50,000/- per day
(Rupay Platinum debit card)
|
|
12
|
ATM POS Limit |
Rs 1.25 Lac
(Rupay Platinum debit card)
|
|
13 |
Ecom Limit |
Rs 1.25 Lac
(Rupay Platinum debit card)
|
|
14 |
RTGS Charges |
Nil both online & offline |
|
15 |
NEFT Charges |
Nil both online & offline |
|
16 |
IMPS/UPI Payment charges |
Nil |
|
17 |
Bharat QR Code & BHIM QR Code: |
Nil |
|
18 |
Monthly Cash Deposit limit-both home and non-home branch |
Free cash deposit upto 10 times of the previous month's average credit balance, or Rs. 10 lakh per month whichever is higher; Thereafter, Rs. 0.50 per 1000/-+ GST Minimum Rs. 50/- + GST; Maximum Rs.10,000/- + GST. |
|
19
|
Monthly Cash withdrawal limit at Home Branch
|
No Ceiling and Free cash withdrawal
However, TDS rules related to cash withdrawals are defined by Section 194N of the Indian Income Tax Act to be complied. |
|
20
|
Monthly Cash withdrawal limit at Non-Home Branches |
No Ceiling and Free cash withdrawal by self/proprietor/partners/ and authorized person to operate the accounts in case of company. However, TDS rules related to cash withdrawals are defined by Section 194N of the Indian Income Tax Act to be complied. |
|
21 |
Personal Accident insurance coverage |
Personal Accident insurance covers of Rs. 10 Lakh free of cost for self/proprietor only |
|
22 |
DDR issuance charges upto RS. 1,00,000/- per day |
Nil |
|
23 |
Issue of Cheque Books charges |
Nil for both personalized and Non-personalized (CTS-MICR) |
|
24 |
Personalised cheque book home delivery charges (postal/courier) |
Nil |
|
25 |
SMS alert Charges |
Nil |
|
26 |
Account Statement through e-mail/e-Statement (Monthly) |
Nil |
|
27 |
Monthly Statement of account (original/first) |
Nil |
|
28 |
Locker Operations charges |
Unlimited Free |
|
29 |
Ledger Folio charges |
Nil |
|
30 |
Stop Payment Instruction Charges |
Nil |
|
31 |
Cancellation/revocation of stop payment charges |
Nil |
|
32 |
Transfer of account within Bank charges |
Nil |
|
33 |
Account closure charges |
Nil |
|
34 |
Registration of standing instruction |
Nil |
|
35 |
Demat account opening |
Nil |
|
36 |
Collection of Outstation cheque charges |
Nil |
|
37 |
ECS mandate Regn charges |
Nil |
|
38 |
Account service (at branches) charges such as Balance Enquiry, Certificate of Balance, Interest Certificate, TDS Certificate, Address Confirmation, Photograph Verification, Signature Attestation
|
Nil |
|
39 |
Addition/deletion in joint accounts or change in operational instructions or authorised signatories |
Nil |
|
40 |
Utility Bill Payment, online Tax payment charges |
Nil |