|
PARAMETERS |
GOLD |
DIAMOND |
PLATINUM |
|
Eligibility |
All entities eligible to open CA
|
All entities eligible to open CA
|
All entities eligible to open CA
|
|
Monthly Average Balance (MAB) (in Rs) |
1,00,000/- |
5,00,000/- |
10,00,000/- |
|
Charges for Non - Maintenance of MAB (in Rs) |
2,000/- |
3,000/- |
4,000/- |
|
Sweep Features |
a. By Default- NO; On Customer`s Choice – Yes
b. Threshold Amount: Rs 5 lakhs
c. Tenor: 7 days to 1 year
d. In multiples of: Rs 50,000
|
a. By Default - NO; On Customer`s Choice- Yes
b. Threshold Amt: Rs 10 lakhs
c. Tenor: 7 days to 1 year
d. In multiples of: Rs 50,000
|
|
Frequency of Sweep Out |
a. Sweep out shall be 4 times in month (1st to 31st), as per the mandate of the customer.
b. If Sweep out date is last date of month and is non-existent or holiday, the next working day in next month shall be sweep out day, but the same will not be counted towards four Sweep-out of the next month.
c. If any other selected date for sweep out is holiday, the Sweep out shall be on next working day.
|
|
RTGS/ NEFT/ IMPS (All modes)(Exc. Bulk Txn) |
Free |
|
Folio Charges |
Free |
|
Cheque Leaves |
Free - 100 CL per Month |
Free - 200 CL per Month |
Free - 500 CL per Month |
|
Demand Draft |
Free 12 DDs in a Quarter |
Free 15 DDs in a Quarter |
Free 25 DDs in a Quarter |
|
Cash Handling Charges |
Free cash deposit upto Rs 30 lakhs per month or 10 times of MAB maintained; whichever is higher; subject to a maximum capping of Rs 2.00 Crores per month |
Free cash deposit upto Rs 50 lakhs per month or 10 times of MAB maintained; whichever is higher; subject to a maximum capping of Rs 2.00 Crores per month |
Free cash deposit upto Rs 100 Lakhs per month or 10 times of MAB maintained; whichever is higher; subject to a maximum capping of Rs 2.00 Crores per month |
|
Free cash withdrawal upto Rs 30 lakhs per month or 10 times of MAB maintained; whichever is higher; subject to a maximum capping of Rs 2.00 Crores per month |
Free cash withdrawal upto Rs 50 lakhs per month or 10 times of MAB maintained; whichever is higher; subject to a maximum capping of Rs 2.00 Crores per month |
Free cash withdrawal upto Rs 100 lakhs per month or 10 times of MAB maintained; whichever is higher; subject to a maximum capping of Rs 2.00 Crores per month |
|
Point of Sale/Quick Response/ IPG (Payment Gateway) |
POS Services -
Installation: Free
Monthly Rental: 25% Waiver
QR –
Installation: Free
Rental: Free
Sound box
Installation: Free
Rental: 25% Waiver
IPG -
Free Installation |
POS Services -
Installation: Free
Monthly Rental: 100% Waiver for 1 POS
QR –
Installation: Free
Rental: Free
Sound box
Installation: Free
Rental: 50% Waiver
IPG -
Free Installation |
POS Services -
Installation: Free
Monthly Rental: 100% Waiver for 2 POS
QR –
Installation: Free
Rental: Free
Sound box
Installation: Free
Rental: Full Waiver
IPG -
Free Installation |
|
Locker |
25% discount in 01 small locker rent, every year |
30% discount in 01 small locker rent, every year |
50% discount in 01 small locker rent, every year |
a. Signature Attestation Charges
b. Photo Attestation Charges
c. Balance Certificate
d. Standing Instruction Registration Charges |
Free
|
|
Debit Card |
Master Business Debit Card-
Issuance: Free
RuPay Platinum Business Debit Card -
Issuance: Free
|
Master Business Debit Card -
Issuance & AMC: Free
RuPay Platinum Business Debit Card -
Issuance & AMC: Free
|
Master Business Debit Card -
Issuance & AMC: Free
RuPay Platinum Business Debit Card -
Issuance & AMC: Free
|
|
Cheque Returning Charges |
Waived for 10 outward cheques in a month |
Waived for 15 outward cheques in a month |
Waived for 20 outward cheques in a month |
|
Outstation Clearing Charges |
Charges waived for cheques upto Rs 10 lakhs per quarter |
Charges waived for cheques upto Rs 15 lakhs per quarter |
Charges waived for cheques upto Rs 20 lakhs per quarter |
|
Waiver in Retails Loans |
100% waiver in processing charges/ upfront fee in Housing Loan/Vehicle Loan in the name of Proprietor, Partner and Director |
100% waiver in processing charges/ upfront fee in Housing Loan /Vehicle Loan in the name of Proprietor, Partner and Director |
100% waiver in processing charges/ upfront fee in Housing Loan /Vehicle Loan in the name of Proprietor, Partner and Director |
|
Demat Services |
Waiver of 25% of AMC to partners, directors & proprietors |
Waiver of 50% of AMC to partners, directors & proprietors |
100% Waiver of AMC to partners, directors & proprietors |
|
Physical Statement |
Fortnightly Free |
Fortnightly Free |
Free |
|
Credit Card |
Free Issuance with attractive offers by merchants; as per the eligibility of the customer. |
Free Issuance with attractive offers by merchants; as per the eligibility of the customer. |
Free Issuance with attractive offers by merchants; as per the eligibility of the customer. |
|
Other Terms & Conditions |
-
All other service charges other than the relaxations given in the proposed scheme will be levied as per Bank`s schedule of service charges as applicable from time to time.
-
Monthly Average Balance (MAB) of the preceding month/preceding calendar quarter will be taken into consideration for passing freebies. However, in new accounts opened during the month/quarter, concessions/freebies will be available till completion of month/quarter, and after completion of month/quarter concessions/freebies will only be allowed if the customer has maintained prescribed average balance for the number of days, i.e., date to opening of account to last day of month/quarter.
-
Waiver in locker rent will be available only if locker is in the name of Individual/ Proprietor/ Partner/ Director.
-
Rs 500/- (one time) will be charged for opting the lower variant. There is no charge for upgrading the variant. Further, the freebies/concessions provided in the upgraded variant/scheme will be applicable in the respective account from the successive day of change in variant/scheme.
-
The customer may opt period for any number of days (from 7 days to 1 year). No interest will be paid if FD under sweep runs less than 7 days. FD will be swept in on LIFO (Last in First Out) basis.
-
At the end of quarter, interest of FFD is credited in the respective operative current account. The total amount (Principal and interest) of FFD is credited on due date or on premature cancellation in the related current account. Further, the prescribed amount will be swept out into FFD as per available balance in the account of the customer at the end of day.
-
Customer is free to choose any variant of debit card as per his/her eligibility.
-
All other terms and conditions of Current accounts as applicable from time to time will be adhered to.
|