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Rate of Interest
Deposits Products
Non Residential
Rate of Interests for NRI's

Services Charges
Service charges applicable w.e.f.01/06/2019
Revised Charges
Sr. No. Service Saving Bank Account Current / OD / CC
A Other Operational Charges  
1 Ledger Folio Charges Not Applicable Re.1.00 per folio, Min Rs. 50/- (Tax extra) charged Half-yearly for Current/OD/CC
2 Cash Withdrawal by cheque or otherwise exceeding 30 per half year ( Excluding system generated & alternate delivery channel of our Bank) Saving-Rs.3/- per withdrawal after the 30th transaction half yearly subject to a maximum of Rs. 200/- Not Applicable
3 Issue of Duplicate Passbook Charges Rs. 100/- per passbook +gst Not Applicable
4 Duplicate Statement of Account ( First Page Saving A/c Rs.75/- for first page and Rs.10/- for each subsequent page) for each Financial year Current A/c Rs.100/-for first page and Rs.10/- for each subsequent page) for eachFinancial year
5 Balance certificate per instance Rs.50/- Rs.50/-
6 Minimum Balance Charges for Non Maintenance of Minimum Balance-MB    
  Shortfall less than 50% of MAB Rs. 25/- + Tax Rs. 100/- + Tax
  Shortfall less than 75% of MAB Rs. 38/- + Tax
  Shortfall more than 75% of MAB Rs. 50/- + Tax
  * Charges are not applicable for Saphhire Saving and Current Deposit  
7 Stop Payment Charges If balance equivalent to cheque amount is maintained Rs.100/- per cheque, Multiple Cheques Max Rs. 1000/- Rs.100/- per cheque, Multiple Cheques Max Rs. 1000/-
  If balance equivalent to cheque amount is not maintained
  Less than 1 Lakh Rs. 100/- Rs. 100/-
  Above 1 Lakh to 10 Lakh Rs. 500/- Rs. 500/-
  Above 10 Lakh to 50 Lakh Rs. 3000/- Rs. 3000/-
  Above 50 Lakh Rs. 5000/- Rs. 5000/-
8 Account Closure Charges Upto 14 days of opening - Free look period:- NIL NIL
  If account ( Current & Savings ) closed within one year Rs.250/-+Taxes Rs.500/-+Taxes
  If account closed after one year NIL NIL
9 Charges For Non withdrawal of intimated cash Rs. 100/- per Lakh Rs. 100/- per Lakh
10 Demand Draft Charges (HDFC / ICICI Cheque payable at par)    
  Upto Rs. 10,000/- Rs. 50/- Rs. 50/-
  Above Rs. 10,000/- to Rs. 25,000/- Rs. 50/- Rs. 50/-
  Above Rs. 25,000/- to Rs. 1 Lakh Rs. 100/- Rs. 100/-
Above Rs. 1 Lakh Rs. 1.50/- per Thousand (Max. Rs. 2500/-) Rs. 1.50/- per Thousand (Max. Rs. 2500/-)
11 DD cancellation charges (Charges exclusive of Taxes) Charges inclusive of taxes ICICI/HDFC Rs. 25/- Nationalised Banks DD :-Rs. 100/- ICICI/HDRFC Rs. 25/- Nationalised Banks DD :-Rs. 100/-
12 Payorder Charges
a Payorder Issuance Charges
  Payorder Charges (Charges exclusive of Taxes) Upto Rs.10,000/- Rs. 50/- Rs. 50/-
  Above Rs.10,000/- to Rs. 25,000/- Rs. 50/- Rs. 50/-
  Above Rs. 25,000/- to Rs. 1 Lakh Rs. 100/- Rs. 100/-
  Above Rs. 1 Lakh Rs. 1.50/- per Thousand (Max. Rs. 2500/-) Rs. 1.50/- per Thousand (Max. Rs. 2500/-)
b Payorder cancellation charges per instrument ( Charges inclusive of taxes) Rs.50/- per instrument Rs.50/- per instrument
c Payorder Revalidation charges per instrument ( Charges inclusive of taxes) Rs.50/- per instrument Rs.50/- per instrument
13 RTGS Outward Charges 1 Lakh to 2 Lakh Not Applicable Not Applicable
  Above 2 Lakh to 5 Lakh Rs. 25/- + Taxes Rs. 25/- + Taxes
  Above 5 Lakh Rs. 50/- + Taxes Rs. 50/- + Taxes
14 NEFT Outward Charges (Excl. ST and EC) Upto 10,000/- Rs. 2.50/- + Taxes Rs. 2.50/- + Taxes
  Above 10,000/- to 1 Lakh Rs. 5.00/- + Taxes Rs. 5.00/- + Taxes
  Above 1 Lakh to 2 Lakh Rs. 15.00/- + Taxes Rs. 15.00/- + Taxes
  Above 2 Lakh Rs. 25.00/- + Taxes Rs. 25.00/- + Taxes
15 ECS/ACH Return Charges
  Up to Rs.15000/- Rs.150/- Rs.150/-
  Above Rs.15000/- Rs.200/- Rs.200/-
16 Outstation Cheque Collection Charges    
a) MICR Cheque realization NIL
  Non MICR Cheque Realization ( Through Registered Ad ) Rs. 25/-
  Return Of Outstation Cheque Rs. 100/-
b) IBC CHARGES Upto 10000 = Rs. 10/-
    Above 10000 = Rs. 1/- per 1000
REGISTERED AD CHARGES = Rs. 25/-
17 Inward Cheque Return Charges Upto 50,000/- Rs. 250/- + 18% p.a. Rs. 250/- + 18% p.a.
  Above 50,000/- to 1 Lakh Rs. 500/- + 18 % p.a. Rs. 500/- + 18 % p.a.
  Above 1 Lakh to 5 Lakh Rs. 1250/- + 18% p.a. Rs. 1250/- + 18% p.a.
  Above 5 Lakh to 10 Lakh Rs. 2500/- + 18% p.a. Rs. 2500/- + 18% p.a.
  Above 10 Lakh Rs. 5000/- + 18% p.a. Rs. 5000/- + 18% p.a.
18 Outward Cheque Return Charges Upto Rs. 10,000/- Rs. 100/- +GST Rs. 100/- +GST
  Above Rs.10,000/- to Rs.50000/- Rs. 100/- +GST Rs. 100/- +GST
  Above Rs.50,000/- to Rs. 1 Lakh Rs. 200/- +GST Rs. 200/- +GST
  Above Rs. 1 Lakh Rs. 250/- +GST Rs. 250/- +GST
19 Signature Attestation charges Rs. 100/- Rs. 100/-
20 Photo Attestation Charges Rs.100/-  
21 Address Confirmation Charges Rs.100/- Rs.100/-
22 Information relating to Old records (Other than SOA)
* Old records means more than 1 year old to 5 Years
Rs.100/- per page, Rs.500/- up to 5 Pages. Thereafter Rs.100.00 for each set of 5 Pages. Rs.100/- per page, Rs.500/- up to 5 Pages. Thereafter Rs.100.00 for each set of 5 Pages.
Above 5 Years Rs.150/- per page, Rs.750/- up to 5 Pages. Thereafter Rs.150.00 for each lot of 5 Pages. Rs.150/- per page, Rs.750/- up to 5 Pages. Thereafter Rs.150.00 for each lot of 5 Pages.
23 Locker Operation Charges  
(A) For General Account Holders  
Upto 20 operations per year Free of Charge
Above 20 per year Rs. 25/- per operation
(B) For Saphhire Saving and Current Accountholders Free of Charge
24 Personalized Cheque Book Charges FREE cheque Leaves Limit per year 30 Leaves (120 free for Sapphire Saving Account) 30 Leaves (150 free for Sapphire Current Account)
Charges for cheque leaves issued over and above free cheque leaves limit per year Rs. 3/- per cheque leaf Rs. 3/- per cheque leaf
25 Cash Handling Charges Saving Bank Account Current / OD / CC
  Cash Deposit Up to 3 Lakh per month no charges, From 3 Lakh and above : Rs.10 per Rs.1000/- or part thereof irrespective whether cash deposited across counter or BNA
(Savings Bank account held in the name of Co-operative Housing Societies, Charitable Trusts and Schools (for which collection of fees is undertaken by the Bank) are exempt from the Cash Handling Charges, irrespective of the amount of cash deposited)
Free Limit : {
A. In case of Current A/c :
Free Up to 10 times of Monthly Average Balance (MAB)# irrespective whether cash deposited across counter or Bulk Note Acceptance Machine (BNA).
B. In Case of CC/OD A/c : Free limit
(1) If the MAB is in DEBIT: 5 times of MAB in the account.
(2) If the MAB is in CREDIT : it will be treated as Current A/c and 10 times of MAB in the account will be treated as free limit
Free Upper limit : Rs.1 crore of cash deposited monthly
(cash deposited above Rs. 1 crore is chargeable irrespective of the Sanctioned Limit / Monthly Average Balance in the account) }
OR
{Rs.5 Lakh} whichever Higher up to maximum of Rs.1 crore*
Charges
(for Current & CC/OD both): Rs. 10/- per Rs. 10,000/- or part thereof (Charges to be levied on the amount of cash deposited over and above the free limit*)
*Free Upper limit : Rs. 1 crore of cash deposited monthly (cash deposited above Rs. 1 crore is chargeable irrespective of the Monthly Average Balance in the account) #(subject to considering Cash Deposit after 5 pm as next day value date for the purpose of MAB)
  Standard Term Loan- Cash Handling Charges Up to Rs.2 lacs Free (limit per day) Above Rs.2 lacs (limit per day)- Rs.10/- per Rs.1000.00 (over and above Rs.2 lacs)+GST
26 SUBMISSION OF TAX CHALLANS CHARGES Upto 10000 = Rs. 10/- Upto 10000 = Rs. 10/-
Above 10000 = Rs. 1/- per 1000 Above 10000 = Rs. 1/- per 1000
27 Franking charges Rs. 10/- per document Rs. 10/- per document
28 Internet Banking Charges for NEFT & RTGS
  NEFT (Transaction Slab) Upto ₹10,000/- Free
  Above ₹10,000/- and upto ₹1.00 lac
  Above ₹1.00 lac and upto ₹2.00 lacs
  Above ₹2.00 lacs
  Transaction Slab ₹2.00 lacs to ₹5.00 lacs
  Above ₹5.00 lacs
29 IMPS Outward PMC2PMC free & for Inter-Bank 10 transactions per month are free PMC2PMC free & All Inter-Bank transactions are chargeable
    Rs. 0 - 50,000.00 - Rs. 5.00 + GST
Rs.50,001.00- 1,00,000.00 - Rs. 10.00 + GST
Above Rs. 1,00,001.00 - Rs. 15.00 + GST
Rs. 0 - 50,000.00 - Rs. 5.00 + GST
Rs.50,001.00- 1,00,000.00 - Rs. 10.00 + GST
Above Rs. 1,00,001.00 - Rs. 15.00 + GST
30 Internet Banking
  Reissue of Internet user id or password (Branch or non IVR Customer Care) FREE FREE
31 SMS Alert Charges
  SMS Alert Charges Quarterly TO BE CHARGED ANNUALLY Rs.25/-+GST (per account) TO BE CHARGED ANNUALLY Rs.25/-+GST (per account)
32 Charges For Cash Withdrawal without intimation Rs. 100/- per instance Rs. 100/- per instance
33 Inter transfer Cheque Return charges On Issuance of Return Memo Across The Counter Rs.25.00 including GST per Instrument Rs.25.00 including GST per Instrument
  Inter transfer Cheque Return charges Across The Counter Without Return Memo No Charges No Charges
34 A Service charges in case of break open wherein the key is lost by Holder in addition to break open charges Service charges Rs.500/-+GST+actual charges charged by Vendor
34 B Service charges in case of break open of Locker due to non payment of rent in addition to break open charges Break Open Charges - Actual
+ Unpaid Rent -Actual
+ Int.On Unpaid Rent @10.00% p.a.
+ Service Charges Rs.500.00+ GST
+Custody Charges of Article- Rs.100.00 per month + GST
35 Operation in accounts on basis of acceptance of Mandate/POA No Charges Rs.100/-+ GST for Current/CCOD accounts
36 Duplicate Term Deposit receipt Rs.100/-per receipt + GST (plus Indemnity Charges as actuals)
37 Submission of Information To Competent Authorities
1 Submission of Statement Free Free
2 Submission Documents (e.g.,Acct Op Form, KYC Doc etc. Rs5.00 Per Page + GST Rs5.00 Per Page + GST
3. Appearance Before the Authority Rs.250.00 per visit + GST Rs.250.00 per visit + GST
4. Freezing & Unfreezing of Accounts and Matter connected thereto Rs.50.00 per instance+GST Rs.50.00 per instance+GST
5. In case appearance before the authority is outstation Actual Expenses Incurred + Rs.500.00 per day+GST Actual Expenses Incurred + Rs.500.00 per day+GST
6. Bank is made a party to a dispute Advocate Fees+Other Expenses in Actual Advocate Fees+Other Expenses in Actual
38 Card issuance charges:
Card Type Card Issuance Charges Annual Fees
Rupay EMV Domestic Insta Card ₹ 50 + Taxes ₹ 100+ Taxes
Rupay EMV Platinum International Card ₹ 100+ Taxes ₹ 100+ Taxes
VISA Paywave-EMV International Gold Card ₹ 250 + Taxes ₹ 200+ Taxes
VISA Paywave-EMV International Platinum Card ₹ 300 + Taxes ₹ 200+ Taxes
VISA Business Debit Card ₹ 500+ Taxes ₹ 500+ Taxes
39 The charges for Duplicate cards: Duplicate Card Issuance Charges
Card Type
Rupay EMV Domestic Insta Card ₹ 100+ Taxes
Rupay EMV Platinum International Card ₹ 100+ Taxes
VISA Paywave-EMV International Gold Card ₹ 250+ Taxes
VISA Paywave-EMV International Platinum Card ₹ 300+ Taxes
VISA Business Debit Card ₹ 500+ Taxes
40 Charges for Cash withdrawals from ATM's w.e.f. 1st November 2014 Metro Cities Non- Metro Cities
A) For Saving Account Holders
1. Cash withdrawn from PMC Bank's ATMs (Cash Withdrawal and Balance Enquiry transactions) NIL NIL
2. Cash withdrawn from Other Bank's ATMs Upto 3 transactions (No charges) Upto 5 transactions (No charges)
Above 3 transactions (Rs. 20/- for financial & Rs. 10/- for non- financial transactions) Above 5 transactions (Rs. 20/- for financial & Rs. 10/- for non- financial transactions)
B) For Current & Overdrafts Accounts Metro Cities Non- Metro Cities
1. Cash withdrawn from PMC Bank's ATM Rs. 20/- (Financial)          Rs. 10/- (Non Financial) Upto 10 transactions (No charges)
Above 10 transactions (Rs. 20/- for financial & Rs. 10/- for non- financial transactions) Above 10 transactions (Rs. 20/- for financial & Rs. 10/- for non- financial transactions)
2. Cash withdrawn from other Bank's ATM For all transactions (Rs. 20/- for financial & Rs. 10/- for non- financial transactions) For all transactions (Rs. 20/- for financial & Rs. 10/- for non- financial transactions)
41 Transaction Decline Fee (w.e.f. 01/01/2019) Rs. 10/- + Taxes
42 Credit Card
Secured
Particulars Platinum Select
Fees Joining Fee - NIL,
Annual Fee - NIL ,
Add on Card Annual Fee - NIL
Joining Fee - NIL,
Annual Fee - NIL ,
Add on Card Annual Fee - NIL
Finance (Service) Charges For Extended Credit - 1.00% p.m. ( APR - 12.00% p.a.) For Extended Credit - 1.00% p.m. ( APR - 12.00% p.a.)
For Cash Advance - 1.00% p.m. ( APR - 12.00% p.a.) For Cash Advance - 1.00% p.m. ( APR - 12.00% p.a.)
Cash Advance Fees 1.00% of Transaction Amount (subject to minimum of Rs. 100) 1.00% of Transaction Amount (subject to minimum of Rs. 100)
Other Charges and Fees Late Payment Charges - 2% of Outstanding Dues (Min Rs. 100, Max. Rs 500) Late Payment Charges - 2% of Outstanding Dues (Min Rs. 100, Max. Rs 500)
Charges on over limit Account Rs. 500 Charges on over limit Account Rs. 500
Cheque Return Charges Rs. 500 Cheque Return Charges Rs. 500
Limit Enhancement Fee Rs. 100 Limit Enhancement Fee Rs. 100
Card Replacement Fee Rs. 200 Card Replacement Fee Rs. 200
Statement Retrieval Fee (>2 months) Rs. 100 per statement Statement Retrieval Fee (>2 months) Rs. 100 per statement
Retrieval Request Fee Rs. 125 Retrieval Request Fee Rs. 125
Foreign Currency Transactions - Conversion Mark Up Rs. 350 Foreign Currency Transactions - Conversion Mark Up Rs. 350
Balance Transfer Fee - NIL Balance Transfer Fee - NIL

 

 

 

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