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Service Charges & Fees

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Learn more about the complete schedule of charges of TMB.

Find below the exhaustive and complete schedule of all the fees and charges chargeable for the various services offered applicable since October 01, 2007 subject to change from time to time, but any such revisions will be published at least 30 days in advance. Apart from these charges, service tax on the same is additionally applicable at the prevalent rates.

Modified Basic Service Charges w.e.f. Sep 01, 2008:

As per the recommendation of the RBI's Working Group on Reasonableness of Bank Charges, our Bank customers have been classified as Non-individual, Individual & Special category of customers (Individual in Rural areas, Pensioners and Senior citizens) and modified the service charges applicable for transactions up to Rs. 10,000/- for certain basic services. Click Here to Download Annexure I

Revision in RTGS & NEFT Charges w.e.f. October 21, 2008:

RTGS Charges are being reduced as per the annexure enclosed with effect from October 21, 2008. Click Here to Download RTGS & NEFT Revised Charges Details.

Revision in ECS Charges w.e.f. November 24, 2008:

ECS Charges are being revised as per the annexure enclosed with effect from November 24, 2008. Click Here to Download ECS Revised Charges Details.

Revision in Outstation Cheque Collection Charges w.e.f. Dec 01, 2008:

Outstation Cheque Collection Charges are being revised as per the annexure enclosed with effect from December 01, 2008. The same are also applicable towards the Basic Service Charges Shedule referred above. Click Here to Download the Revised Charges Details.

Revision in Proposal Processing Charges w.e.f. October 01, 2009:

We have revised the proposal processing charges for our entire range of loan products applicable with effect from October 1, 2009. Click Here to Download Revised Proposal Processing Charges.

TMB Schedule of Fees and Service Charges:

TMB Schedule of Fees and Service Charges
Schedule	Charges / Rate
Service Tax as applicable at prevailing rates. The above charges are with effect from 01.10.2007 and subject to revision from time to time, but any such revisions will be published at least 30 days in advance.
Savings Bank A/c - No Frills A/c TMB Janatha Savings
Minimum Balance	Rs. 5.00.
Charges for non-maintenance of Minimum Balance	Nil
Savings Bank Accounts with Cheque Facility
Minimum Balance	Quarterly average balance - Metro, Urban & Semi Urban - Rs.500/- : Rural - Rs.250/-.
Charges for non-maintenance of Minimum Balance	Rs. 100.00 / quarter.
Savings Bank Accounts without Cheque Book Facility
Minimum Balance	Quarterly average balance - Rs.100/- all centres.
Charges for non-maintenance of Minimum Balance	Rs. 100.00 / quarter.
Other Savings Bank account Facilities
Issue of Duplicate Statement	Rs. 10 per ledger folio. Minimum Rs.15 + postage if any
Issue of loose cheque leaves	Rs. 25/- per leaf
Issue of Cheque Books	SB: 60 leaves free in a year. More than 60 leaves - Rs.2 per leaf for MICR & Re.1 per leaf for non-MICR
Issue of duplicate pass book	Rs.10 per pass book with an additional charge of Rs.5 per ledger folio or part there of (One ledger folio = 40 entries)
Issue of duplicate deposit receipt	Rs.50 /- per receipt plus cost of stamp paper for indemnity bond.
Mode of calculation of minimum balance	Quarterly Average Balance (QAB)
Ledger Folio Charges TMB SB Premium	Nil
Charges for exceeding permissible no. of debits in SB	Rs.2 for every withdrawal if number of withdrawals by cheque or otherwise exceeds 100 per year. Institutions are exempted from this stipulation
Charges for statement through e-mail for SB / SB Premium / VISA / Santhosh / SB NRE / SB NRO	Free for any frequency
Current Accounts
Non maintenance of minimum balance	Current (monthly) - Metro Rs.300: Urban Rs.250: SU Rs.200 & Rural Rs.100
Cheque Books	Current/OD/CC - MICR - Rs.2 per leaf Non-MICR Re.1 per leaf
Ledger folio charges (CA / OD / CC)	Rs.15 per folio (half yearly) - No charges if average credit balance is Rs.2 lakh and above. (40 entries = 1 folio) Minimum : Rural / SU - Rs.50: Urban - Rs.75: Metro - Rs.100
Ledger Folio Charges TMB Pearl & TMB Platinum	Nil
Charges for statement through e-mail for current, OD / CC A/cs	Daily basis - Rs.100 per month: Weekly basis � Rs.50 per month: Fornightly basis - Rs.25 per month: monthly basis � free of charge
Remittance Facilities through own Bank
DD Issue	For Customers: Up to Rs.1 lakh 17.50 paise per Rs.100 subject to a minimum of Rs.10 per draft. Above Rs.1 lakh 12.50 paise per Rs.100 subject to a minimum of Rs.175 per draft. For Cash Remitting Account Holders: Up to Rs.1 lakh 17.50 paise per Rs.100 subject to a minimum of Rs.15 per draft. Above Rs.1 lakh 15.00 paise per Rs.100 subject to a minimum of Rs.175 per draft. For Non-Account Holders: 20 paise per Rs.100 subject to a minimum of Rs.20 per draft.
DD Cancellation	Rs. 50/- per Instrument.
DD Duplicate	Rs. 50/- per Instrument.
DD Revalidation	Rs. 50/- per Instrument.
PO Issue (Local Draft)	10 paise per Rs.100 per instrument. Minimum Rs.25/- Maximum Rs.5000
PO Cancellation	Rs. 50/- per Instrument.
PO Duplicate	Rs. 50/- per Instrument.
PO Revalidation	Rs. 50/- per Instrument.
MT Issue	From account to account (same name accounts at different branches) - At Par. From one account to other account - Actual postage + Rs.5: For cash remitting customers usual DD charges + actual Postage
MT Cancellation	N.A.
MT Duplicate	N.A.
MT Revalidation	N.A.
FTFT Outward	Less than Rs. 1 Lakh: Rs. 5 per transaction. Rs. 1 to less than 5 Lakhs: Rs. 25 per transaction. Above Rs. 5 Lakh: Rs. 50 per transaction. (Commission for Cash Remittances & Non Customers: Rs. 2 per Rs. 1000.00 with minimum Rs. 25.00 commission.)
NEFT Charges [TMB eTransfer] - Inward	Free
NEFT Charges [TMB eTransfer] - Outward	Rs.5 flat for less than rupees one lakh and for Rs.1 lakh it is Rs. 25.00
RTGS Outward	1 Lakh to Less Than 5 Lakh: Rs. 25/- per transaction. Above 5 Lakhs: Rs. 50/- per transaction.
RTGS Inward	Free
Remittance Facilities through Other Bank
DD Issue	HDFC & IDBI arrangements No extra cost. Normal DD issuing Charges. For DD on other banks, actual other bank charges plus 5 paise commission per Rs.100/- per instrument.
DD Cancellation	Charges at Actuals.
DD Duplicate	Charges at Actuals.
DD Revalidation	Charges at Actuals.
PO Issue (Local Draft)	No such arrangement with other banks.
PO Cancellation	No such arrangement with other banks.
PO Duplicate	No such arrangement with other banks.
PO Revalidation	No such arrangement with other banks.
TT Issue	No such arrangement with other banks.
TT Cancellation	No such arrangement with other banks.
TT Duplicate	No such arrangement with other banks.
TT Revalidation	No such arrangement with other banks.
EFT Charges - Inward	No such arrangement with other banks.
EFT Charges - Outward	No such arrangement with other banks.
RTGS Outward	No such arrangement with other banks.
RTGS Inward	No such arrangement with other banks.
Collection of Cheques	With IDBI & HDFC no extra cost.
Foreign Exchange Transactions
Remittance Outward	Commission - TT for import - 0.25%, Commission - TT for non-import - 0.125% subject to a minimum of Rs. 100/-.
Remittance Inward	Rs. 225/-. Personal Remittances: - Rs. 50/- up to USD 5000 & Rs.100/- for above USD 5000.
TC - Selling	Commission - Not exceeding 1 % on rupee equivalent. Commission for TC issued against foreign currency remittances received from abroad - 0.25%.
TC - Encashing	0.25% subject to a minimum of Rs.25/-.
TC - Foreign Currency	Service not available at present.
Cheque Collection
Local	Nil
Speed Clearing Non-At Par Cheques	Collection of Non-At Par cheques of speed clearing participating Bank branches through speed clearing. (including our bank cheques passed in speed clearing centres). Upto and inclusive of Rs. 1,00,000/- FREE Above Rs.1,00,000/- Rs.150/- per instrument plus service tax as applicable.
Outstation through own Bank	Click Here
Outstation through other Bank	Click Here
Bouncing of cheques - Speed Clearing	Upto Rs.10,000/- - Rs.50 per instrument plus Service Tax as applicable. Above Rs.10,000/- to Rs.1 Lac - Rs.100 per instrument plus Service Tax as applicable. Rs.1,00,001 and above - Rs.150 per instrument plus Service Tax as applicable.
Bouncing of cheques - Local	Instruments sent for collection through clearing returned unpaid Rs.10 per instrument: Instruments drawn by customers on us returned unpaid through clearing or otherwise Re.1 per Rs.1000 per day minimum of Rs.100 per instrument.
Bouncing of cheques - outstation - through own bank	Click Here
Bouncing of cheques - outstation - through other bank	Click Here
Allowing operation through Power of Attorney / Mandate Holder (One time)	Savings Rs.50: Current / OD / CC Rs.100.
Change of Authorised signatory including reconstitution of account	SB : Rs.50: Current / OD / CC Rs.100 per occasion
Record copy of the cheque	Rs.10 per instrument i.e. cheque/s honoured in a single date, subject to the min of Rs.15 per instance. Actual xerox charges to be collected when color xerox taken. If there is a dispute about a cheque paid and the request is made within a period of one year no charges shall be levied.
Bills
Bills outward	30 paise per Rs.100 subject to a minimum commission of Rs.50 per bill + postage + other bank charges
Bills Inward	45 paise per Rs.100 subject to a minimum commission of Rs.50 per bill + postage + other bank charges
Bills under ILC received for collection ( if the lc is issued by our own branch then charges may be collected at the LC issuing branch)	20 paise per Rs.100
Local bills sent for collection returned unpaid	Rs.25 per bill
Outstation bills sent for collection returned unpaid	50 % of collection charges subject to a minimum of Rs.25 per bill shall be charged
Collection of deposit receipts	The charges applicable to outstation instrument i.e. bills will be collected for local/outstation deposit receipt of other Banks.
Bills Discounting / Negotiation
Bills discounting	Collection charges + applicable interest + postage
Commission for Bills Negotiation under ILC (Interest, Postage etc)	For Bills up to Rs.5 lakh - 20 paise per Rs.100 : Above Rs.5 lakh Rs.1000 per bill
ILC negotiation for non-customers and issue of pay order / local draft	Draft issuing charges of Rs.100 per local draft, in addition to the normal commission, interest and postage etc, shall be collected
Retail and Business Loan(s) Processing Charges
All Schemes	Click Here
Other Retail Loan Related Charges
Loan Prepayment Charges	Nil (If Loan Closed from own sources of funds. Not Take Over by Another Bank.)
No Due Certificate	Rs.50 . For no dues certificate, free for first occasion
Solvency Certificate	Rs.100 per lakh or part thereof. Min Rs.100; Max Rs.10000
Charges for late payment of EMI	No Separate Charges. But penal interest is applicable.
Charges for changing from fixed to floating rates of interest	Yet to introduce floating rate schemes.
Charges for changing from float to fixed rates of interest	Yet to introduce floating rate schemes.
ATM Cards
Membership Fee	Free.
Annual Fee	Free.
Renewal Charges	Free.
Late Payment Charges	No Overdraft is Allowed.
Interest Charges	Not Applicable.
Replacement Charges	Rs.100
Pinmailer Request [not for first time]	Rs.50
Transaction Charge for Partner Banks	As per NFS Mandate.
Transaction Charge for Non-Partner Banks	Not Applicable.
Credit Cards
Admission Fee	Rs.150/- p.a. upfront.
Membership Fee (One Time)	Personal / Corporate Rs.250/-. Add-on Card Rs.150/-.
Annual Fee	Personal / Corporate Rs.250/-. Add-on Card Rs.150/-.
Renewal Charges	No extra fee other than the upfront annual fee.
Late Payment Charges	Nil
Interest Charges	Commercial Rate (PLR+2.50%) + 2% p.a.
Replacement Charges	Rs. 200/-.
Hotlisting Charges	Rs. 200/-.
Cash Withdrawal	2.50% of amount withdrawn minimum Rs.20/-.
Debit Card
Membership Fee	No Charge
Annual Fee	No Charge
Renewal Fee	No Charge
Re-Issue of PIN	Rs. 50/-
Replacement Charges	Rs. 100/-
Transaction Charges at TMB Surabhi ATM	Nil
Charges at Visa / Plus ATMs
Cash withdrawal at Domestic	Rs. 20/- per transaction
Cash withdrawal at International	Rs. 100/- per transaction
Balance Inquiry at Domestic	Nil
Balance Inquiry at International	Nil
Charges at NFS ATM Network
Financial Transaction	Rs. 20/- per transaction
Non Financial Transaction	Nil
Charges at Point of Sale
For Usage at Merchant Establishment	Nil
For usage at Petrol Pumps	Surcharge of 2.50% of transaction amount or Rs.10/- [whichever is higher]
Miscellaneous
Balance enquiry	Free
Balance Certificate	Rs.50/-
Interest Certificate	Rs.50/-
Account Maintenance Certificate	Rs.50/-
Bankers Report	Rs.100/- per Report.
Account Closure	SB A/c - Rs.50/-. Current A/c - Within 6 months - Rs.250. 6 months & above - Rs.100 + applicable folio charges Overdraft / Cash Credit - Applicable Folio Charges.
Use of Fax / Telephone / Modem	Charges at Actuals.
Photo Attestation	Rs.25 /- per verification.
Signature Attestation	Rs.25 /- per verification.
Stop Payment Charges	Rs.25/- per instrument. Max Rs. 200.00
Locker Facility Charges	Press Release dt. July 31, 2007
Breaking open of safe deposit lockers when key is lost by the hirer	Actual Charges plus Rs.200/-.
One time Standing Instruction registration charges ( Other than transfer to Deposit / Loan accounts) (Setting up Fee)	Rs.10/-.
In-Operative Account SB/RD/NMD/DSD - (Half Yearly)
Balance in the account	Service Charges
Above Rs.100/-	No Charges.
Above Rs.20/- up to Rs.100/-	Rs. 10/-.
Below Rs.20/-	Full Amount.
In-Operative Current Accounts - (Half Yearly)
Balance in the account	Service Charges
Up to Rs.500/-	Rs. 20/-.
Above Rs.501/- up to Rs.2500/-	Rs. 15/-.
Above Rs.2500/-	Rs.10/-.
Electronic Clearing Service Charges
ECS Debit	Free.
ECS Credit	Free.
ECS Debit Return	Rs. 100.00 Irrespective of Amount.
ECS Mandate	Free for Certifying and Verifying Customer Mandate.
Remittance of installments and interest to the credit of Term loans and Demand Loans from other branches including remittance by cash (not for operative accounts)	Free for all term loan and demand loan accounts
Rent on Post Parcels ( for parcels not cleared on presentation - charges applicable from the date of intimation)	Rural :Re.5 per day with a minimum of Rs.10/-; Semi-Urban :Rs.10 per day with a minimum of Rs.25/-; Urban: Rs.20 per day with a minimum of Rs.50/-; Metro :Rs.25 per day with a minimum of Rs.100/-
Postal Tariff	Ordinary Post Rs.5. Registered Post Rs.25 : Courier - Rs.15
Noting of Stop Payment of DD	Rs.25 per instrument
Issue of Duplicate Loan Books	Rs.10 per item
Change of original instructions: Documents / bills: (waiving C form, Delivery, C Form, Free of payment, extending retirement time, etc)	Rs.50 per request from the proceeds of collection unless instructed otherwise
Penalties for locker rent in default	Rs.50 per quarter or part thereof for all category of lockers
Loss of Token	Rs.100 per lost token
ILC Advising Charges	Rs.200 per ILC
ILC Amendment charges	Rs.50 per occasion
ILC signature verification charges	Rs.50 per ILC

Note: Service Tax as applicable at prevailing rates. The above charges are with effect from 01.10.2007 and subject to revision from time to time, but any such revisions will be published atleast 30 days in advance.

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