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Regulation 46 and 62
IEPF

Products

Cash Transactions	Charges
Cash Deposit (Home and Non Home branch Location)	Nil Charges up to 10 times of prev month's avg credit balance, Max 1Cr p.m. Thereafter ₹3.5/1000 (Min. 50 per txn)
Cash Withdrawal: For Non - home Branch Location	Nil Charges upto 50,000 per day; Thereafter ₹2/1000 (Min. 50 per txn)

Non-Cash Transactions	Charges
RTGS payment through online mode or branches	Nil Charges
NEFT** payment through online mode or branches	Nil Charges
IMPS Payment	Up to ₹1,00,000: ₹5 / transaction Above ₹1,00,000 : ₹15 / transaction
Fund Transfer	Nil Charges
Cheque Book: Default Cheque Book is Payable At-par Only	Nil Charges up to 200 cheque leaves p.m. Thereafter, up to 500 leaves/p.m. - ₹2/leaf; Above 500 leaves/p.m. - ₹3/leaf
Out-station Cheque (Cheques drawn on non-speed clearing branches)	Nil Charges
Demand Draft / Banker's cheque payable at Branch Locations	Nil Charges up to 50 DD / BC p.m. Thereafter, ₹1 / 1000 (Min. 40 Max. 5000)
Demand Draft / Banker's cheque payable at Non- Branch Locations	₹2 / 1000 (Min. 40 Max. 5000)

Home Banking Services	Charges
On Call Request: Cheque Pick-up/DD Delivery	₹75 / request
On Call Request: Cash Pick-up or Delivery^	Upto 2 Lakh: ₹875 ₹2 Lakh to ₹6 Lakh: ₹1,475 ₹6.01 Lakh to ₹10 Lakh: ₹2,475 ₹10.01 Lakh to ₹20 Lakh: ₹4,075 ₹20.01 Lakh to ₹100 Lakh: ₹6,675/- per request
Beat Services: Cheque Pickup	Nil Charges

Debit Cards / ATM Usage	Charges
Debit Card charges	₹259 p.a.
Other Bank's VISA ATMs - Domestic - Non Financial Transaction	₹10 per txn
Other Bank's VISA ATMs - Domestic - Cash withdrawal	₹23 per txn
PIN Regeneration at ATM/ Net Banking/ Phone Banking,	Nil Charges
Debit Card Replacement (Lost / Stolen Card)	Nil Charges
Other Bank's VISA ATMs - International - Non Financial Transaction	₹25 / Txn
Other Bank's VISA ATMs - International - Cash Withdrawal	₹150 / Txn
Transactions declined at merchant outlets / websites / ATM, due to insufficient balance^^	₹25 / Txn
Kotak ATM: For Non Financial txn or Cash Withdrawal	Nil Charges
Privy Debit Card Charges
Platinum Card , Signature Cards & Business Cards	₹750 p.a
Neon Debit Card & Private Banking Infinite Card	₹1500 p.a
LED Card	₹2500 p.a
Black Metal Card	₹5000 p.a

Penal Charges
Cheques Deposited & Returned (Outward): Local	Nil charges upto 3 p.m.; Thereafter ₹100 per cheque
Cheques Deposited & Returned (Outward) Out-station	50 per Cheque + Corr Bank Chrgs
Cheques Issued and Returned (Inward) & ECS returns: Financial Reasons	Up to 3 returns - ₹350 / instance; 4th return onward ₹750 / instance

Startup Regular Current Account

Startup Regular Current Account

Non Maintenance

Cash Transactions

Charges effective from 1st February, 2025

Non-Cash Transactions

Charges effective from 1st February, 2025

Home Banking

Charges effective from 1st February, 2025

Debit Cards / ATM Usage

Charges effective from 1st February, 2025

Penal Charges

Charges effective from 1st February, 2025

Other Charges

Charges effective from 1st February, 2025

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Related Products

Other Services	Charges
Balance (Daily/Weekly), Transaction & Value Added Alerts	SMS - ₹0.50 per SMS Email - Nil charges
Bank Statement Weekly (Physical),Annual Combined Statement,Balance Statement (Other than 31st March)	Nil Charges
Standing Instruction - Set-up/ Amendment	Nil Charges
Interest Statement & DD/BC Cancellation & Revalidation	Nil Charges
Signature Verification Address Confirmation	Nil Charges
Record retrieval charges & Photo Attestation	Nil Charges
Confidential Report & Credit Confirmation	Nil Charges
IMT - Instant Money Transfer ( Cashless Card Withdrawal)	Nil Charges
Mandate Registration Charges	₹50/Instance
Account Closure Charges (Customer Induced Closure)	Nil Charges
IMT ( Cashless Card Withdrawal)	Nil Charges
Ad- hoc Statements Request at Branch/ Phone Banking	<=365 Days: ₹100 >365 Days: ₹200
Ad- hoc Statements Request On Net Banking/ ATM	₹50
Fund Transfer Return: Finance Reason	₹300
Cheque Purchase Charges	₹0.5/1000 per day
Travelers Cheque Encashment	1% of TC Amount
Stop Payment	₹100 / request
Standing Instruction Failure	₹100
TDS Certificate(Duplicate only)	₹200/request
Solvency Certificate	₹10000
TOD Charges	₹500
Authorised Dealer Code Letter	₹500/request
GST on Foreign Currency Conversion Charges (FCY) ~
Value of purchase or sale of Foreign Currency	Value on which GST rate will be applicable
Up to 1,00,000	1% of the gross amount of currency exchanges or minimum of ₹250/-
Above ₹1,00,000/- to ₹10,00,000/-	1000 + 0.50% of the gross amount of currency exchanged less 1,00,000.
Above ₹10,00,000/-	₹5500/- + 0.10% of the gross amount of currency exchanges less 10,00,000 subject to maximum of ₹60,000/-
Foreign Currency Payments & Collections
DD Issuance/DD Cancellation /DD Revalidation/Cheque Collection	₹500
TT Transfer: Corr Bank Charges Borne by Beneficiary	₹250
TT Transfer: Corr Bank Charges Not Borne by Beneficiary	₹1000
Cheque Deposited and Returned ~ / Cheque Issued and Returned ~ <> (Financial Reasons)	₹1000