Rates at a Quick Glance
Rates as of May 3rd 2011
Deposit Accounts
1. Savings Bank A/c:
Nature Rate of Interest Minimum Balance
Normal Senior Citizen Rural Semi Urban Urban
ACCOUNT          
1. Savings Bank A/c  
A. Domestic          
a. With cheque book facility 4% pa 4% pa Rs. 5000 Nova Rs. 5000 Nova Rs. 10000 Edge, Rs. 20000 Pro and Rs. 50000 Ace
Rs. 10000 Classic Rs. 10000 Classic  
b. Without cheque book facility NA NA NA NA NA
c. No Frills Account  4% pa 4% pa Rs. 100 Rs. 100 Rs. 100
B. Non Resident          
a. NRE 4% pa 4% pa Rs. 10000
b. NRO 4% pa 4% pa Rs. 10000
2. INTEREST RATES FOR DOMESTIC / NRO / NRE TERM DEPOSITS
* Senior Citizens' rate is not applicable on NRO / NRE deposits
# Simple interest rate
Kindly note that the above rates are applicable for today only.
Interest will be payable for NRE TDs staying for 1 year & above
B. Non Resident Accounts (FCNR)
Interest rate subject to change without prior notice.
Loans - Charges Effective from 1st December, 2010
  Rate of Interest Processing Charges
LOANS          
1. Housing Loan Upto Rs 30 Lakhs More than Rs 30 Lakhs More than Rs 50 Lakhs Above (excluding Service Tax)
Upto Rs 50 Lakhs Upto Rs 100 Lakhs Rs 100 Lakhs
Floating Category          
Upto 5 yrs Upto 12.5% Upto 12.5% Upto 12.5% Upto 12.5% Upto 1.25%
More than 5 yrs Upto 10 yrs Upto 12.5% Upto 12.5% Upto 12.5% Upto 12.5% Upto 1.25%
More than 10 yrs Upto 12.5% Upto 12.5% Upto 12.5% Upto 12.5% Upto 1.25%
Fixed Category          
Upto 5 yrs NA NA NA NA NA
More than 5 yrs Upto 10 yrs NA NA NA NA NA
More than 10 yrs NA NA NA NA NA
           
2. Personal Loan          
a) Consumer Durable Loan NA NA NA NA NA
b) Senior Citizen Loan Scheme NA NA NA NA NA
c) Personal Loan Scheme Upto 28% Upto 28% NA NA Upto 3%
Fee Based Services
1. Lockers
Type of Lockers Metro Urban Semi Urban/Rural
Height*Width*Depth (Inches) 1 yr 2 yrs 3 yrs 1 yr 2 yrs 3 yrs 1 yr 2 yrs 3 yrs
5*7.16*20.08 1450 2900 4350 800 1600 2400 750 1500 2250
6*8.6*20.08 2750 5500 8250 1375 2750 4125 960 1920 2880
5*14.4*20.08 4250 8500 12750 2125 4250 6375 1500 3000 4500
8*10.8*20.08 4950 9900 14850 2475 4950 7425 1735 3470 5205
6*17.36*20.08 5950 11900 17850 2975 5950 8925 2080 4160 6240
13*8.6*20.08 5950 11900 17850 2975 5950 8925 2080 4160 6240
11*14.4*20.08 7850 15700 23550 3925 7850 11775 3000 6000 9000
8*22.16*20.08 8850 17700 26550 4425 8850 13275 3360 6720 10080
13*17.36*20.08 9950 19900 29850 4975 9950 14925 3780 7560 11340
16*21.76*20.08 12250 24500 36750 6125 12250 18375 4650 9300 13950
2. Credit Cards
  Types of Cards
Fee & Other Parameters Fortune Trump League Royale
Entrance Fees Nil Nil 3000 / 8500 / 12000 25000
Annual Fees Nil Nil Nil Nil
Add On Card 299 / 499** 299 / 499** Nil Nil
Service Charges on outstanding Balance 3.3% 3.3% 3.10% 3.10%
ATM Cash Withdrawal / Call a draft / Fund Transfer 199 per Rs 10,000 Rs.300 per Rs 10,000 Rs.300 per Rs 10,000 Rs.300 per Rs 10,000
Hot listing Charges Nil Nil Nil Nil
Late Payment Charge Rs. 500 Rs. 500 Rs. 350 Rs. 350
Over Limit Charge Rs 500 Rs 500 Rs 500 Rs 500
Bounced payment Rs. 500 Rs. 500 Rs 300 Rs 300
Foreign Currency Mark Up 3.50% 3.50% 3.50% 3.50%
Railway Booking Surcharge Waived Waived Waived Waived
Fuel Surcharge Waived Waived Waived Waived
Outstation Cheque Processing Fee N.A. N.A. N.A. N.A
Reissue / Replacement Card & PIN Nil Nil Nil Nil
Charge Slip Request Nil Nil Nil Nil
Annual Nil Nil Nil Nil
Renewal Nil Nil Nil Nil
Machine Surcharge at ATMs Nil Nil Nil Nil
Balance Enquiry Charges at Non Parent Bank ATM Nil Nil Nil Nil
Duplicate Statement Request Nil Nil Nil Nil

Please Note:

  • Service tax & education cess, would be charged as per statutory regulations on the interest & fees and other charges charged on your Credit Card.
  • Fuel surcharge to be waived only for transactions between values of Rs.400 – Rs.4000. Maximum Fuel surcharge waiver of Rs.4500 in a calendar year
**Customer can choose among the available two variants
3. Debit Cards
International Debit Cards Issuance and Annual Fee Primary Card Rs. 100
4. Drafts/TT/MT
For Savings Accounts Issue (INR) Rs. 2.5 per 1000 Min Rs. 50 Max Rs. 10, 000
Cancellation (INR) Rs. 100
For Current Accounts Issue (INR) At Branch Locations - Re 1/1000 (Min 40 Max 5000) & at Non - branch locations Rs. 2/1000 (Min 40 Max 5000); Foreign Currency DD - Rs 500 per DD + Foreign Currency Conversion Charge.
Cancellation (INR) Rs 100 per INR DD; for Foreign currency DD Rs 500 + Foreign currency conversion charge
5.Outstation Cheque Collection (INR)
Savings Account For Branch Locations:Instrument value up toRs. 500 : Free; > Rs. 500 but < Rs. 10000: Rs. 35; Rs. 10000 to Rs. 100000: Rs.100; > Rs. 100000 : Rs.150 For Non Branch Locations Instrument value < Rs. 10000: Rs. 35; Rs. 10000 to Rs. 100000: Rs. 100; > Rs. 100000 : Rs. 150
Current Account INR cheques upto Rs. 10000: Rs. 50 per cheque; Rs. 10001 - Rs. 100000: Rs. 100 per cheque; Rs. 100001 & above: Rs. 150 per cheque. For foreign currency cheques Rs 500 per cheque.
Charges for Outstation INR Cheque Collection are exclusive of service tax.
6. NEFT Money Transfer
For Savings Accounts Inward Free
Outward Free for All Accounts except No Frills Account applicable charges @ Rs. 1- 5 Lakhs: Rs 25 per Txn; Rs. 5 Lakhs & Above: Rs 50 per Txn;
For Current Accounts Inward Free
Outward Upto Rs. 1 Lakh: Rs. 5 per Txn; Rs. 1 Lakh & above: Rs. 25 per Txn
Charges for NEFT are exclusive of service tax.
7. RTGS Money Transfer
Savings Accounts Inward Free
Outward Rs. 1- 5 Lakhs: Rs 25 per Txn; Rs. 5 Lakhs & Above: Rs 50 per Txn;
Current Accounts Inward Free
Outward Free (If done through Net banking); Charged - if done through branch @ Rs. 1- 5 Lakhs: Rs 25 per Txn; Rs. 5 Lakhs & Above: Rs 50 per Txn;
Charges for NEFT are exclusive of service tax.
8. Cheque Return Charges Outward Returns Inward Returns
For Savings Account (INR)  Rs. 100/- per cheque Rs. 350 per cheque for first return in a month therafter Rs. 750 per cheque for cheque returned in the same month
For Current, Overdraft, Cash Credit Accounts Rs.100/- per cheque. For out-station cheques, corr bank charges shall be extra Rs.300/- per cheque
Dishonour of outstation/local bills & Cheques Current Account - Rs.100/ cheque. For out-station cheques, corr bank charges shall be extra; Savings Account - Local &/ outstation cheque return charges - Rs.300
9. Cheque Book Issuance
Savings Account No Frills Account First Cheque Book Free, Edge, Nova and Synergy Savings Account 25 leaves per quarter Free thereafter it is charged @ Rs. 1.5 per leaf. For all other Accounts it is Free.
Current Account Free for all accounts except Neo, Edge & Synergy A/c where beyond free limit it is charged @ Rs.2/- per leaf. Default cheque book is at-par cheque book.