Service Charges W.e.f. 01.05.2021

Account Related Charges

Nature of Services Charges
1. Cheque Book Issue Charges
CURRENT ACCOUNTS:
Ordinary Current Account:- ₹ 3.50 per leaf + GST + Courier/Postal Charges ₹50 + GST
Flexi Current Account Monthly Average Balance of Previous Month (MAB) No.of Free Cheque Leaves
<= Rs. 25,000/- 50 leaves free for first time
> Rs. 25,000/- and < Rs. 1 Lakh 50 leaves free for first time
> Rs. 1 Lakh and < Rs. 3 Lakh 50 leaves free for first time
> Rs. 3 Lakh and < Rs. 10 Lakh 100 leaves free per month (Courier / postal charges Rs50 + GST applicable)
> Rs.10 Lakhs Unlimited free cheque leaves (Courier / postal charges Rs50 + GST applicable)
Beyond free limit Rs. 3.50/- per leaf + GST and Courier/Postal Charges ₹50 + GST
OVERDRAFT/CASH CREDIT
Overdraft / CC a/cs Anywhere OD/CC ₹ 3.50 per leaf + GST and Courier/Postal Charges ₹40 + GST
SAVINGS BANK No.of Free Cheque Leaves Charges thereafter
Regular Savings Account 20 leaves free for the first time Thereafter ₹3.50 per leaf + GST + Courier/Postal Charges ₹40 + GST
SB Premium Account 20 leaves free p.a.
Dynamic Youth A/c 20 leaves free p.a.
Mahila Subha SB A/c 20 leaves free p.a.
Happy Family Banking A/c Free 20 cheque leaves per year for each family member.
TMB Little Super Star 10 cheque leaves free for the first year.
Santosh & VISA SB Free personalized Cheque Book (20 Leaves free for the first year).
Classic Salary SB 20 leaves free p.a.
TMB Simple SB Account First 20 leaves free Thereafter ₹2 per leaf + GST
TMB Small SB Account Cheque Book not allowed.
Royal SB A/c Free personalized Cheque Books without any Limit
NRE SB Premium & NRO / NRE / SB TASC / SBGBG Free
Nature of Services Charges
2. Non-Maintenance of Minimum Average Balances (not applicable to dormant Accounts)
CURRENT ACCOUNTS
Ordinary Current A/c – Monthly Average Balance Charges for Non Maintenance of MAB

Rural - ₹ 1000

Urban & Semi – urban - ₹ 5000

Metro - ₹ 10000

Rural- ₹ 200 + GST

Semi Urban/Urban - ₹ 300 + GST

Metro - ₹ 400 + GST

Super Flexi Current A/c ₹ 500 + GST
The account should be converted into ordinary current account, if the default persists for three consecutive months. (MAB < 25,000/-)
SAVINGS BANK ACCOUNTS
Ordinary Savings Accounts & NRO / NRE With Cheque Book : Without Cheque Book:

For Min Balance Amount = 1000 (Others)

MAB>799 < 1000 – ₹50+ GST

MAB>499<=799 – ₹75+ GST

MAB>125<=499–₹100+ GST

MAB<=125 >50-₹50+ GST

MAB<=50 - 0

For Min Bal Amt = 500 (Rural)

MAB>350 < 500 –₹ 30+ GST

MAB>200<=350 – ₹ 40+ GST

MAB>60<=200 – ₹ 50+ GST

MAB<=60– 0

For Min Bal Amt = 500 (Others)

MAB>350 < 500 – ₹ 30+ GST

MAB>200<=350 – ₹ 40+ GST

MAB>75<=200 – ₹ 50+ GST

MAB<=75 – 0

For Min Bal Amt = 300 (Rural)

MAB>200 < 300 – ₹ 10+ GST

MAB>100<=200 – ₹ 20+ GST

MAB>40<=100 – ₹ 30+ GST

MAB<=40 – 0

SB Premium Monthly Average Balance Charges for Non Maintenance of MAB

Metro & Urban - ₹15,000/-

Semi-Urban & Rural - ₹10,000/-

Metro & Urban – Rs.250 + GST

Semi Urban & Rural – Rs.150 + GST

Royal SB ₹50,000/- ₹ 500 per month + GST
Dynamic Youth SB ₹1,000/- ₹ 100 per month + GST
TMB Visa SB ₹5,000/- ₹ 100 per month + GST
TMB Happy Family

Combined average balance in all accounts in group should be

Metro - ₹30,000/-

Urban - ₹20,000/-

Semi – Urban - ₹15,000/-

Rural - ₹10,000/-

₹ 200 per month + GST
SB NRE Premium ₹15,000/- ₹ 200 per month + GST
TMB Mahila Subha ₹5,000/- ₹ 100 per month + GST
TMB Santosh NA
TMB Little Super star NA
SB TASC / SBGBG NA
Nature of Services Charges
3. Closure of Accounts
Current Accounts
Ordinary Current Account Upto 14 days Above 14 days up to 1 year Above 1 year
NIL

Rural- ₹ 350 + GST

Semi-Urban - ₹ 400 + GST

Urban – ₹ 500 + GST

Metro – ₹ 600 + GST

NIL
For all Flexi Current Accounts Upto 14 days Above 14 days
NIL

Rural- ₹ 350 + GST

Semi-Urban - ₹ 400 + GST

Urban – ₹ 500 + GST

Metro – ₹ 600 + GST

Savings Accounts Upto 14 days Above 14 days
All Savings Bank Accounts
(Including Royal SB Account)
NIL

Individuals - ₹150 + GST

Special Category

(Individual in

Rural Area,

Pensioners,

Senior Citizens) - ₹ 100 + GST

Non Individuals – ₹ 200 + GST

SB – Janatha & SB-Financial Inclusion accounts NIL ₹ 10 + GST
Less than 2 years More than 2 years
OD / CC Accounts ₹ 750 + GST + Applicable folio charges. ₹ 500+ GST + Applicable folio charges.
Special Anywhere Accounts (OD / CC ANY) ₹ 400 + GST
Nature of Services Charges
4. Folio Charges
CA General ₹ 50 + GST per folio with a minimum of ₹300 + GST per half year.
Flexi Current Account ₹ 50 + GST per folio with a minimum of ₹350 + GST per half year. (Folio charges will be collected, only in the absence of email id and email statement option updated in system)
Overdraft / Cash Credit ₹350 + GST per half year. (Folio charges will be collected, only in the absence of email id and email statement option updated in system)
Nature of Services Charges
5. Stop Payment Charges
Savings Bank
Ordinary SB ₹ 100/- + GST per cheque Maximum ₹ 300
Mahila Subha SB
SB Premium
Senior Citizen ₹50 + GST per cheque Maximum ₹ 200 + GST
Royal SB Free
Savings Govt Segment Account (SBGBG) Free
All other SB accounts (Except above mentioned Schemes)

Individual – Rural

₹ 100+ GST per cheque. Maximum ₹ 300 + GST

Individual – Others

₹ 100 + GST per cheque. Maximum ₹ 400 + GST

Joint Account & SB TASC :

₹ 100 + GST per cheque. Maximum ₹ 500 + GST

Pensioner :

₹ 30 per cheque with maximum ₹ 150 + GST

Current / Overdraft / Cash Credit a/cs

Ordinary CA and OD/CC accounts

Super Flexi CA and Anywhere OD / CC

Senior Citizen

₹ 150 + GST per cheque maximum ₹ 1500 + GST

₹ 150 + GST per Cheque

₹100+ GST per cheque maximum ₹ 1000 + GST

Nature of Services Charges
6. Issue of Duplicate Passbook / Sheet
Savings Bank Accounts

All Savings Bank A/c


For senior citizens

Royal SB, SB TASC & SBGBG

₹75 + GST per passbook with an additional charge of
₹ 10 + GST per ledger folio (40 entries)

₹50 + GST per passbook with an additional charge of ₹ 10 + GST per ledger folio (40 entries)

Free.

Loan a/cs ₹ 25 + GST
Duplicate Statement of Accounts

All SB/CA/OD/CC (Except Super Flexi CA)


Super Flexi CA

Senior Citizen

₹ 100 + GST per ledger folio
Minimum ₹ 100 + GST + Postage if any

₹ 100+ GST

₹50+ GST + Postage if any

7. Signature Verification
Signature verification charges ₹ 150 + GST
Senior Citizen - ₹100+ GST
8. RTGS Charges
Savings Bank Account

Through Branch

All Savings Bank Account

Except:

TMB Happy Family

TMB Santosh SB

TMB Royal SB

SB TASC

SBGBG

Through Branch

₹ 2 Lakhs to less than 5 Lakhs - ₹ 25 + GST

Above ₹ 5 Lakhs - ₹ 50 + GST

Free

Free

Free

Free

Free

Current Accounts

All Current Accounts

Except

Flexi Current Account MAB (Previous month average monthly balance) > 3,00,000

₹ 2 Lakhs to less than 5 Lakhs - ₹ 25 + GST

Above ₹ 5 Lakhs - ₹ 50 + GST

Free

OD / CC Accounts Through Branch Free
Through Net Banking Free
9. NEFT Charges
Savings Bank Account

Through Branch

All Savings Bank Account

1




Except:

SB-Premium

Staff Accounts

SB Dynamic Youth

TMB Happy Family

TMB Santosh SB

TMB Royal SB

SB TASC

SBGBG

1

Upto ₹10,000 - ₹ 2.50

₹10,001 to below₹ 1,00,000 - ₹ 5.00

₹ 1,00,000 to 2,00,000 - ₹ 15.00

Above ₹ 2,00,000 Lakhs - ₹ 25.00

1

Upto ₹ 10000 – Free

Upto ₹ 25000 – Free

Upto ₹ 5000 – Free

Free

Free

Free

Free

Free

Current Accounts

All Current Accounts

Through Branch






Except

Flexi Current Account MAB (Previous month average monthly balance) > 3,00,000

Upto ₹10,000 - ₹ 2.50

₹10,001 to ₹ 1,00,000 - ₹ 5.00

₹ 1,00,000 to 2,00,000 - ₹ 15.00

Above ₹ 2,00,000 Lakhs - ₹ 25.00


Free

OD / CC Accounts

Through Branch

Free
Through Net Banking / Mobile banking Free
10. Net Banking charges
Third party transfer within the bank for both retail & corporate customers Free
11. Mobile Banking
All eligible customers Free
Annual Maintenance Free
IMPS outward Free
12. A. Outward Cheque Collection charges

CTS Clearing

Cheques payable at any centre, deposited at Parent Branch or any

Satellite Branch (under CTS Clearing)

Free
B. Cheques Return Charges
Inward Clearing Return Charges

Savings Bank Account

SB Royal

1

₹ 250 per Instrument + GST

SB Dynamic Youth ₹ 2.00 per 1000 + GST ; Minimum - ₹ 250 + GST
SB Premium ₹ 1.50 per 1000 + GST; Minimum - ₹ 100 + GST
SB TASC ₹ 5/- per ₹1000/- Minimum – ₹ 500 + GST
SB Govt segment (SBGBG) ₹ 5/- per ₹1000/- Minimum – ₹500 + GST

SB Santosh

SB Classic

SB Foreign Contribution

SB Freedom General

SB Ordinary

SB Simple Saving Bank

SB Mahila Subha

SB Little Super Star

SB Institution

SB NRE

SB NRO

SB Staff

SB Visa

₹ 2 per 1000. Minimum - ₹ 250 + GST
All other Schemes -₹1.50 /- per 1000. Minimum -₹200 + GST
Current Account For the First 2 instrument Per month ₹1.50 /- per ₹1000/- with Minimum ₹200/- per instrument


On 3rd instrument onwards ₹1.50 /- per ₹1000/- with Minimum ₹500/- per instrument
Over Draft/ Cash Credit
Outward Clearing Return Charges
Savings Bank Account
SB NRE Premium

Instrument Amount

₹ 5,000 to ₹ 10,000 - ₹ 100 per Instrument + GST

₹ 10,000 to ₹ 1,00,000 - ₹ 150 per Instrument + GST

Above ₹ 1,00,000 - ₹ 850 per Instrument + GST

SB Dynamic Youth ₹ 100/- Per Instrument + GST

SB Santhosh

SB Classic

SB Foreign Contribution

SB Freedom General

SB Ordinary

SB Simple Saving Bank

SB Mahila Subha

SB Little Super Star

SB Institution

SB NRE

SB NRO

SB Staff

SB Visa

₹ 100 /- per Instrument + GST

SB Royal,

SB Staff,

SB TASC,

SBGBG

SB little super star

– No Charges
Other Schemes ₹ 50/- Per Instrument + GST
Current Account
All Current Accounts ₹100/- per instrument
Current Account of MAB > 3 Lakh Free
Over Draft/ Cash Credit ₹100/- per instrument
Overdraft – Staff Free
13. ECS Charges
Debit Returns

Savings Bank Accounts

₹250/-
SB TASC & SBGBG ₹500/-
Current Account ₹350/-
Credit Returns Free
14.e-Statement
Daily Free
Weekly / Fortnightly / Monthly Free
15.SMS Alert Charges
A. Savings Bank Accounts Free
B. Current Accounts Free
16.Debit Card
Personalized Debit Card Issue Charges VISA / Master with Photo - ₹ 200+ GST
VISA / Master Contactless Debit Card - ₹ 200+ GST

Exempted for NRE Premium and Royal SB A/c holder

Rupay Platinum card ₹ 100 + GST

Exempted for SB Premium and Royal SB A/c holder

VISA / Maser Business Debit Card - ₹ 250 + GST

Exempted for TMB Gold and Diamond Current A/c holder

Master / RuPay Delight Card ₹ 300 + GST
Exempted for NRE Premium, SB premium, and Royal SB A/c holder

Exempted for those who are maintaining average balance ₹1 lakh for last 1 Year.

Issue charges exempted for Staff A/c (Except Rupay Select International Card).

Annual Maintenance Fee Free for 1st year.
VISA / Maser / RuPay (Non-Photo) Debit - ₹ 150+ GST p.a.

Free for SB Premium, TMB Happy Family and Royal SB A/c holder

VISA / Master Photo Card - ₹ 200+ GST

Free for SB Premium, NRE SB Premium, TMB Happy Family and Royal SB A/c holder

VISA / Master Business Debit Card - ₹ 300+ GST p.a.

Exempted for TMB Gold and Diamond Current A/c holder

Master / RuPay Delight Card ₹250+ GST p.a.

Free for SB Premium, NRE SB Premium, TMB Happy Family and Royal SB A/c holder

Annual Maintenance Fee exempted for SB Staff A/c.

Replacement Charges (at customer request for all prepaid & debit cards) For all prepaid & Debit cards - ₹ 200 + GST.

Master / Rupay Delight Card - ₹300 + GST

Re-Issue of PIN ₹ 50 +GST
17.Gift Card
Customers Free
Non-customers Upto ₹ 5000 – Free
Above ₹ 5000 – ₹ 50 + GST
Replacement of Gift Card ₹ 100 + GST
Statement Request Free
Regeneration of PIN ₹ 20/- + GST
18.Multi Currency Travel Card
Issue ₹ 150/- + GST
Reload ₹ 100/-+ GST
19. ATM Transactions
Own ATMs Free
Other Bank ATMs 5 Free transactions per month (Financial + non-financial).
For Metro ATMs: 3 free transactions.
Thereafter
Financial -₹ 20/- per txn + GST.
Non-financial -₹7/- per txn
10 Free Transaction per day for Rupay Select international Card
In Visa/Master outlets outside India. International ATM transactions ₹ 100 per transaction.
Fund Transfer through ATM Free (only within TMB Accounts – at TMB ATMs)
Card to Card Transfer through ATM Free – TMB to TMB Cards
Charges (TMB to other bank) - ₹ 20 per txn+ GST
In POS (other than fuel purchase) Free
In POS for fuel purchase Surcharge of 2.50% of transaction amount or ₹ 10 [Whichever is higher] plus GST.
20. Demand Draft Charges
Account Holders
Savings Bank Account

Except
Royal SB
SB TASC & SBGBG
₹ 3 per ₹1000 + GST
Minimum - ₹ 50+ GST
Maximum – ₹ 15000 + GST

Free
Free
Current Account ₹ 3 per ₹1000 + GST
Minimum - ₹ 50+ GST
Maximum – ₹ 15000 + GST
Overdraft/Cash Credit
Non Account Holders ₹ 4 per ₹ 1000 + GST subject to a minimum of ₹ 100 + GST per draft.
DD Cancellation
All SB/CA/OD/CC Accounts
₹ 100+ GST per Demand Draft including Royal SB Account.
Issue of duplicate DD
All SB/CA/OD/CC Accounts
₹ 100 per+ GST Demand Draft including Royal SB Account.
Revalidation of DD
All SB/CA/OD/CC Accounts
₹ 100 per + GST Demand Draft including Royal SB Account.
21. Balance Confirmation Certificate ₹ 50 for any account
22. Registration of Power of Attorney in SB / CA / OD / CC Free for First Time Registration.
₹ 50/- for any changes.
23.Cash Remittance Charges (Including Cash Deposited through Cash Recycle Machines)
Ordinary Savings Account Base Branch Non Base Branches
Free up to Rs.3 lakhs per day subject to a maximum of Rs.5 lakhs per month thereafter Rs.3 + GST per Rs.1000/- Rs.3 + GST per Rs.1000/-
TMB Royal Savings Account Parent Branch Other Branches
Free anywhere without limit (Only for Savings in nature and not for trading nature) Free up to Rs.50,000 per day, thereafter Rs.3 + GST per Rs.1000 or part thereof
TMB Premium Savings Bank Account Parent Branch Satellite Branches
Maximum cash remittance shall be limited to Rs.5 lakhs per month or 25 times of the previous month MAB, whichever is higher (including Satellite Branch cash deposit) Free up to Rs.50,000 per day, thereafter Rs.3 + GST per Rs.1000 or part thereof. (Only for savings in nature and not for trading nature)
TMB Visa Savings Bank Account Parent Branch Other Branches
Free up to Rs.3 lakhs per month, thereafter Rs.3 + GST per Rs.1000 or part thereof. Free up to Rs.50,000 per day, thereafter Rs.3 + GST per Rs.1000 or part thereof.
TMB Mahila Subha Savings Bank Account Parent / Satellite Branches
Free up to ₹1 lakh per day subject to a maximum of ₹3 lakhs per month and thereafter ₹3 per ₹1000 + GST
TMB Classic Salary Savings Bank Account Parent & Satellite Branches
Limited to 5 free Transaction with a maximum cash deposit of Rs.1 lakh per month. Thereafter Rs.3 + GST per Rs.1,000/- or part thereof
Dynamic Youth Savings Bank Account Parent Branch Satellite Branches
Unlimited – Only for Savings in nature 5 Transactions subject to maximum of Rs.1 lakh per month. Thereafter Rs.3 + GST per Rs.1,000/- or part thereof
Ordinary Current Account Monthly free cash remittances limit up to 10 times of MAB of previous month for both Parent and Satellite Branches put together. Charges at ₹2.50 + GST per ₹1,000 at Parent Branch and ₹ 3 + GST per ₹1,000 at Satellite Branch beyond 10 times.
Flexi Current Account MAB of ₹25,000/ to ₹ 49,999/- => 12 times
MAB of ₹50,000/ to ₹ 99,999/- => 15 times
MAB of ₹1,00,000/ to ₹ 2,99,999/- => 18 times
MAB of ₹3,00,000/ to ₹ 9,99,999/- => 20 times
Above ₹ 10,00,000/- => 25 times
The above limits are both Parent and Satellite Branches put together. Charges at ₹2.50 + GST per ₹1,000 at Parent Branch and ₹ 3 + GST per ₹1,000 at Satellite Branch beyond above limit.
OD / CC Account (Based on Average utilization for last 3 consecutive months) Average Utilisation
Upto ₹5 lakhs Above ₹5 lakhs Less than ₹50 lakhs ₹50 lakhs and Above; Less than ₹1 crore Above Crore
Cash Remittance Free upto ₹ 5 lakhs per month Cash Remittance Free upto ₹ 15 lakhs per month Cash Remittance Free upto ₹ 50 lakhs per month Cash Remittance Free upto ₹ 100 lakhs per month
Charges above the free limit
₹3 per ₹1000 for Home branch and Satellite branches
24.Cash Withdrawal at Base and Non- Base Branches – Savings Bank Accounts
Savings (AWB) Dynamic Youth SB Mahila Subha SB Self - Free without any limit.
Third Party - Allowed up to ₹ 10,000.
Royal SB Self - Free without any limit.
Third Party - Allowed up to ₹ 50,000 / day
SB Premium Self - Free without any limit.
Third Party - Allowed up to ₹ 50,000 / day
Classic Salary SB A/c Self - Restricted to ₹50,000 per day
Third Party - Allowed up to ₹ 10,000 per day
Cash handling Charges for small denomination notes and coins In case of small denomination notes (₹ 50 and less), an additional amount of ₹ 50 per bundle will be recovered, where such bundles are more than one.
Part of a bundle will be treated as one for charging purpose. This applies to all types of accounts. (Except Royal SB and Diamond current A/C).
Where coins are tendered, charges will be recovered at ₹ 10 per ₹100 in SB, CA and OD / CC accounts (Except Royal SB and Diamond current A/C) if more than ₹100 tendered on any working day
25.Transaction Charges
Ordinary Current Account Number of Free transactions – 20
• Free transactions denotes debit transactions and cash deposits carried out over the counter at the branch. All debit and credit transactions carried out through Digital channels are excluded for calculation of number of free transactions.
• Rs.25 + GST per transaction shall be charged for transactions over and above free transaction limit
Flexi Current Account MAB of ₹25,000/ to ₹ 49,999/- => 30 transactions
MAB of ₹50,000/ to ₹ 99,999/- => 50 transactions
MAB of ₹1,00,000/ to ₹ 2,99,999/- => 75 transactions
MAB of ₹3,00,000/ to ₹ 9,99,999/- => 100 transactions
Above ₹ 10,00,000/- => Unlimited
• Free transactions denotes debit transactions and cash deposits carried out over the counter at the branch. All debit and credit transactions carried out through Digital channels are excluded for calculation of number of free transactions.
• Rs.25 + GST per transaction shall be charged for transactions over and above free transaction limit
Overdraft / Cash Credit No.of Free Transactions
Below 50 Lakhs 50 Lakh to less than 100 Lakhs 100 Lakh and above
30 50 100
Free transactions denotes debit transactions and cash deposits carried out over the counter at the branch. All debit and credit transactions carried out through Digital channels are excluded for calculation of number of free transactions.
Rs.25 per transaction shall be charged for transactions over and above free transaction limit
25.Account Maintenance Charges Where branch transaction is more than 3 in a quarter for
Customers who have Either Cheque Book or Debit Card Customers with neither Cheque Book nor Debit Card Customers with Cheque Book and Debit Card
SBGEN / SB Premium / SB Royal Rs.30 + GST per quarter Rs.40 + GST per quarter Rs.50 + GST per quarter
Exemptions Not applicable for SB Premium and Royal in case Average balance is above Rs.15000 during the quarter.
• Senior Citizen accounts.
• Accounts maintained at Rural branches.
•Accounts maintained at branches where Onsite ATM / CRM is not available.
For the newly opened accounts, the above charges are not applicable for the first three months from the month of opening of the account