How often is this bank charges data updated?

Bank charges data is reviewed whenever a bank publishes a new Schedule of Charges PDF. Most banks update their charges quarterly or annually. Our freshness policy requires re-verification within 45 days of any bank issuing an updated schedule.

Official Schedule of Charges

Bank Service Charges & Fees India 2026

ATM transaction fees, minimum balance charges, cheque bounce penalties, NEFT/RTGS fees, debit card annual charges, and more — sourced directly from the official Schedule of Charges PDFs published by each bank. No fabricated figures. Every charge is traceable to its source document.

Source: Official Bank Schedule of Charges PDFs

Data is extracted from official PDF documents published by each bank, cross-verified by a human reviewer, and stamped with the document source and verification date. Charges may change — always verify with your bank before making decisions.

Know Your Charges

Common Bank Charges Explained

ATM Withdrawal Charges

RBI regulated

Free limit: 5 transactions/month at own bank ATMs. 3 at other bank ATMs (metro cities). Charges apply beyond free limit.

Minimum Balance (MAB)

Bank-specific

Most savings accounts require a Monthly Average Balance. Shortfall charge depends on the deficit percentage — varies by account type and geography.

Cheque Bounce / Return

Bank-specific

Charged on both the drawer (who issued the cheque) and in some cases the payee. Ranges ₹300–₹750 + GST depending on the bank and amount.

NEFT / RTGS Charges

RBI regulated since 2019

Since 2019, RBI has mandated that savings account holders are NOT charged for online NEFT. Branch NEFT and some accounts may still attract charges.

SMS Alert Charges

Bank-specific

Typically ₹10–₹25 per quarter for SMS transaction alerts. Waived for premium/salary/zero-balance accounts.

Debit Card Annual Fee

Bank-specific

Classic/Visa Debit: ₹100–₹200/year. Platinum/World Debit: ₹250–₹500/year. First year often waived. Waived on salary accounts.

Note: The information above is general in nature. Exact charges for your bank and account type are shown on the individual bank pages below.

Bank-wise Charges Directory

Select your bank for detailed fee schedule

Charges Data Being Verified

We are currently sourcing and verifying official Schedule of Charges PDFs from each bank. We do not publish charges until they are extracted from the official PDF and verified by a human reviewer.

In the meantime, visit your bank's official website for the current Schedule of Charges.

SBI Support & Details →HDFC Bank Support & Details →ICICI Bank Support & Details →Axis Bank Support & Details →

Frequently Asked Questions

Where does this bank charges data come from?

All bank service charges are sourced directly from the official Schedule of Charges PDF documents published by each bank on their official website. We never fabricate, estimate, or infer charges. Every figure is traceable to a specific page of the official document, with the source URL recorded.

Are GST charges included in the fees shown?

No. We show the base charge as stated in the official Schedule of Charges. GST (currently 18%) is levied additionally on most bank service charges. We clearly indicate where GST is applicable per the official document.

How often is this data updated?

Bank charges data is reviewed whenever a bank publishes a new Schedule of Charges PDF. Most banks update quarterly or annually. Our freshness policy requires re-verification within 45 days of any bank issuing an updated schedule.

Why are some banks not listed here?

We only show bank charges pages for banks where we have successfully sourced, extracted, and human-verified the charges from the official PDF. We do not show any bank until this verification is complete — even if the bank is large and popular.