SOC Brochure: Size (Close) 92 x 185 mmFor Details: Visit your nearest branch Call us at 18002335577, 18002095577, 18001035577 (toll free number in India) Log on to www.axisbank.com October 2012 Terms & Conditions Service Charges & Fees Savings Account Small Savings Account.50/.e.001/.000/Special/PMS Savings Account** `5.00. whichever is earlier. and would be roundedoff to the next Rupee) Minimum Average Quarterly Balance (AQB) Requirement: EasyAccess Savings Account (SBEZY & SWEZY) Metro/Urban Branches `10.000/`100/. Cash Transaction Charges Centre Metro/Urban Limits/Charges First 5 Transactions OR `10.001/. SSEZY .Schedule for Services Charges (Services Tax applicable will be levied on all charges.000/. SBFTS . SBAGT . SBWDN Withdrawn Account.500/Rural `1.000/* Please ascertain the category of your Axis Bank branch where you maintain your Savings Bank Account.f.per transaction `2 lakhs to `5 lakhs `25/.Salary A/c Converted to Normal Saving A/c Due to Non Credit of Salary For 3 Months. For quarter ended September 09. `4 per 1000 rupees on the deposit/withdrawal amount or `100 whichever is higher shall be charged Semi Urban/Rural First 10 Transactions OR `10.Insurance Agents Account SAVINGS BANK ACCOUNT .to `10.and above `200/. June 2009 is 15th of last month of previous to the 14th of the last month of the current quarter.500/. SBSA3 . Post that.or `1. Charges for Non-Maintenance of Average Quarterly Balance (AQB): EasyAccess Savings Account (SBEZY/SWEZY/SSEZY) Metro/Urban Branch `750/Semi Urban Branch `750/Rural Branch `500/Insurance Agents Savings Account (SBAGT) Metro/Urban/Semi Urban/Rural Branch `750/Future Stars Savings Account (SBFTS) Metro/Urban/Semi Urban/Rural `250/No AQB charges in SBFTS scheme in case criterion any 1 of the following criterion is met: TD for a minimum period of 6 months `25.000/Withdrawn Account** `5.or `2.000/Insurance Agents Savings Account (SBAGT) Metro/Urban `5.000/.000/Semi Urban Branches `2. `4 per 1.00.001 to `1 lakh `5/. in accordance with RBI guidelines. SWEZY .001/.per transaction b) Outward NEFT Upto `10. AQB & quarterly charges would be calculated from 15/06/2009 to14/09/2009.per instance transactions Transactions considered Clearing transactions (Both Debit & Credit) Transfer transactions (Only Debit) NEFT Debit transactions (Processed at Branches) RTGS Debit transactions (Processed at Branches) ** For specific Tie-ups Note: 1) The period considered for calculation of quarterly charges w.000/`25/.000/Special Saving Account** `750/Withdrawn Account** `750/Branch Transaction Charges (applicable to accounts not maintaining AQB): All Branches Charges 9 branch transactions per Nil quarter Beyond 9 branch `100/.000/Semi Urban Branches `5.Future Stars Savings Account.001 to `2 lakhs `15/.14th June.00. Post that.001/.per transaction c) Inward RTGS/NEFT Nil * InterCity means other than the centre where your branch is located ** IntraCity means within the centre in which your branch is located Particulars Range of instrument amount Savings Account Speed Clearing Charges Upto `1.Remittance Account.per instrument b) `5.or `2.000/`50/. Collection of Outstation Cheques a) Upto `5.per transaction Above `5 lakhs `50/.000/-.000/Nil `1.Easy Access Account.00.000 `2. 2012.000/.per instrument 2 3 .your account will no longer continue as a Small account.00.Savings Senior Citizen Easy Access Account.000 ** of cash deposit/withdrawal in a month is free. Inter-Bank real Time Fund-Transfer a) Outward RTGS `1 lakh to `2 lakhs `25/.per instrument d) `1.per transaction `1.500/Rural Branches `1. 2) Please note that. whichever is earlier.500/Future Stars Savings Account (SBFTS) Metro/Urban/Semi Urban `2.000/Semi Urban/Rural `2. SBRMT . For eg.000/.000 ** of cash deposit/withdrawal in a month is free.500/Senior Citizen EasyAccess Savings Account (SSEZY) Metro/Urban Branches `5.& above `150/Demat Account 1st year Annual Maintenance Charges (AMC) Nil (Except for SBFRL/SBSML) Outstation Cheques: 1.000/RD for a minimum period of 12 months `2.SAVINGS ACCOUNT (Domestic) Schemes: SBEZY .or the sum total of the credited amounts in your account reaches `1.or `1.000 rupees on the deposit/withdrawal amount or `100 whichever is higher shall be charged The above charges will be calculated on a monthly basis and will be applicable from the monthly charge cycle of 15th May.500/.per transaction `10.per transaction Above `2 lakhs `25/.to `1.Savings Women's Easy Access Account.000/Rural Branches `2. To make your account operable again you will need to be KYC compliant and furnish your KYC documents. SBSPL .00.Special Account. 2012 . If at anytime during the financial year the credit balance in your account reaches `50. 00.00. SBSML . the aggregate of all withdrawals and transfers in a month should not exceed `10.per instrument c) `10. `95/`100/`100/`50/- (Titanium Rewards Card) `500/`300/`150/- For more details on Salary Account applicable to you as per your eligibility/approval by employer. Drawn on Axis Bank Centres 2.com For more details on Salary Account Fees & Charges. `10/-) + `30/. Closure of Account: a) If closed within 6 months b) If closed after 6 months Pay Order Charges Category 1.50/.50/.per return `100/.000/-) `2.000/. Cheque Book Charges: a) Savings Account up to 20 Leaves per quarter b) Savings Account above 1 cheque book per quarter (Applicable to SBSMT.and [email protected] (Debit Card) Nil `50/`50/Charges (Titanium Rewards Card) Nil 4 5 .50/.e. 2. Stop Payment Instructions: In India I) Cash Withdrawal `350/`100/.Cheque Return Charges: a) Inward Clearing I Per instrument b) Outward clearing cheque return c) ECS Debit Return Charges d) ECS Stop Payment Charges Other Account Related Charges: Category 1. Upto `50. Availed salary offerings are subject to change in future at the Bank's discretion. Above `50. a) b) Transaction Charges At Axis Bank ATMs At VISA/Master Card Enabled ATMs of Other Banks 1. DD/PO Cancellation Charges Debit Card Charges Category (Metro/Urban) Issuance Fees Annual Fees Card Replacement Charges 4.per request Charges Free `50/Outside India i) Cash Withdrawal ii) Balance Inquiry iii) Cross Currency Markup d) Surcharge At Petrol Pumps ii) Non-Financial transactions 1st five ATM transactions per calendar month at other Bank ATMs Free. failing which there would be a credit freeze marked on the said account.f 1st February 2013 Free Free `125/`25/3. Account Services (at branches) a) Signature Verification b) Address Confirmation c) Photograph Verification 4.000/-) `2.5% of the sale Booking amount (Min.000/. the monthly salary is not credited into the account for more than 3 consecutive months.Per Transaction Note: Axis Bank reserve the right to revise the charge at NetSecure Charges: NetSecure with SMS/WebPin NetSecure with 1-Touch Free `800/.000/Demand Draft 1.for a series of instrument (beyond 3 cheque) `25/`50/`50/`100/Nil Charges `50/`2.`1.55/-per transaction (inclusive of service tax) `125/`25/3. Duplicate Pin Category 5.(Min `50/-) + Other Bank charges as applicable `25/Charges (Semi Urban/ Rural) `95/`50/`100/- 3.000/. In case.000/2. `10/-) Railway Ticket 2.5% of the sale amount (Min. Drawn on other Centres 2.per instrument `200/.per transaction (inclusive of service tax) 6th transaction onwards `9. The features of Normal Savings Bank Account and charge structure is available on bank s website www. SBEZY and SBSAL) c) Student/Demat Account 2. `80/.and Max `10.per Cheque Book `100/.com. Moreover the Know Your Customer must be complied with as applicable to a Normal Savings Bank Account and documents are to be submitted. and all charges shall be levied and applied as applicable to normal savings accounts. You may please contact your nearest Axis Bank branch for further details. the special features offered under the said Account stands withdrawn and the account shall be treated as Normal Savings Account under our standard charge structure and Average Quarterly Balance (AQB) is required to be maintained. `10/-) + `30/.Plus taxes (Replacement charges) Disclaimers for Salary Account holders Savings Account under Salary power scheme is a special account offered to customers with regular direct salary credits coming into this account.`1.f 1st February 2013 Nil 2.5% of the sale Amount (Min. 3.per instrument `200/.axisbank. 6th transaction onwards `20/.e. 3.5% w.or part thereof (Min. `5.Per Transaction its own discretion.axisbank.5% w. please visit http://www. `50/.`1.or part thereof (Min `50/. write to us at salary.Plus (Issuance charges) `500/. 000/. whichever is earlier. SBPRP .000/Semi-Urban/Rural Centres `50. Collection of Outstation Cheques Charges a) Upto `5.00.001/.per quarter (If AQB is less than `10.00.000/`50/.14th June.00. Cash Transaction Charges (SBPRM) Centre Limits/Charges Metro/Urban First 5 Transactions OR `25.per quarter (If AQB is less than `5.per instrument d) ECS Stop Payment Charges `100/.000/-) Average Quarterly Balance (AQB) Requirement (SBPRP) Metro/Urban Centres `1. Post that.SAVINGS ACCOUNT (Domestic) Schemes: SBPRM .000/`100/. `4 per 1.& above `150/Free passbook on request Demat Account 1st year Annual Maintenance Charges (AMC) Nil Axis Direct online trading Account Account opening charges `850/Cash back* `400/*Brokerage of `400/.00.000/Nil `1.001 to `1 lakh `5/. whichever is earlier.00.per transaction b) Outward NEFT Charges Upto `10.per transaction `1. whichever is earlier.000 of cash deposit/withdrawal in a calendar month is free.000 rupees on the deposit/withdrawal amount or `100 whichever is higher shall be charged Cash Transaction Charges (SBPRP) Centre Limits/Charges Metro/Urban First 5 Transactions OR `50.000/Semi-Urban/Rural Centres `10.Prime Plus Savings Account Average Quarterly Balance (AQB) Requirement (SBPRM) Metro/Urban Centres `25. whichever is earlier.00.per instrument b) `5.per request 6 7 .000/-) `1000/..per instance transactions Transactions considered Clearing transactions (Both Debit & Credit) Transfer transactions (Only Debit) NEFT Debit transactions (Processed at Branches) RTGS Debit transactions (Processed at Branches) NOTE: The Period considered for calculation of quarterly charges w.per instrument c) `10..per transaction Above `2 lakhs `25/.000 ** of cash deposit/withdrawal in a calendar month is free.`10.00.001/. `4 per 1.to `1.Prime Savings Account.per quarter (If AQB is between `10.001/.per transaction Above `5 lakhs `50/.per quarter (If AQB is between `5.000/-) `750/.per instrument Cheque Return Charges: a) Inward clearing I.per transaction `2 lakhs to `5 lakhs `25/.000/.50/. `4 per 1.and above `200/.e.000 ** of cash deposit/withdrawal in a month is free.000 `2. Post that. Post that.`25.per transaction `10.000/Charges for Non-Maintainance of AQB Metro/Urban Centres/Semi-Urban/ NIL Rural Centres Branch Transaction Charges (applicable to accounts not maintaining AQB): All Branches Charges 9 branch transactions per Nil quarter Beyond 9 branch `100/.to `10. `4 per 1.001 to `2 lakhs `15/.000/-) Semi-Urban/Rural Centres `500/. 2012 .00.per transaction c) Inward RTGS/NEFT Nil The above charges will be calculated on a monthly basis & will be applicable from the monthly charge cycle of 15th May.00.00.000 rupees on the deposit/ withdrawal amount or `100 whichever is higher shall be charged Inter-Bank Real Time Fund-Transfer a) Outward RTGS `1 lakh to `2 lakhs `25/.001/.000/`25/.per instrument d) `1.f June 2009 is 15th of last month of previous quarter to the 14th of the last month of the current quarter.000/Charges for Non-Maintainance of AQB Metro/Urban Centres `750/.to be generated within 2 months from the date of account opened Outstation Cheques: 1. Per instrument `350/b) Outward cheque clearing `100/.000 of cash deposit/withdrawal in a month is free.000 rupees on the deposit/withdrawal amount or `100 whichever is higher shall be charged Semi Urban/Rural First 10 Transactions OR `25. Particulars Range of instrument amount Savings Account Speed Clearing Charges Upto `1. Post that.per instrument c) ECS Debit Return Charges: `200/. 2012.000 rupees on the deposit/ withdrawal amount or `100 whichever is higher shall be charged Semi Urban/Rural First 10 Transactions OR `50. 1st December.f 1st February 2013 Nil 2.5% w. Chequebook Charges: a) Up to 1 Chequebook per quarter b) Above 1 Chequebook per quarter 2.per instrument `200/.above 10 10 free transactions Nil transactions per in a month `20/month (inclusive of for each cash service tax) withdrawal after that (inc. `10/-) + `30/.for a series of instruments (beyond three cheques) `25/`50/`50/- Outside India I) Cash Withdrawal ii) Balance Inquiry iii) Cross Currency Markup c) Surcharge At Petrol Pumps For Railway Ticket Booking `125/`25/3.000/`50.f.a. 2010 will be debited at the end of January. taxes) 3. The charge for the month of December.5% of the sale Amount (Min.5% w.e.plus taxes (Replacement charges) * Subject to one successful POS transaction in the 90 days preceding the date of incident 8 9 . taxes) ii) Non-Financial `9.per transaction `50. 2011.e. DD/PO Cancellation Charges: `25 7.000/`2.55/.00. Pay order/Demand Draft Charges* ATM Withdrawal Limit (per day) Daily POS Limit Combined Lost Card Liability Cover and Purchase Protection Limit PA Insurance Cover Lounge Access Reward Points `3 lakhs* Yes No `3 lakhs* Yes 1 per INR 200 worth of purchases `5 lakhs Yes 1 per INR 100 Worth of purchases NetSecure Charges NetSecure with SMS/Web Pin NetSecure with 1-Touch Free `800/.f 1st February 2013 2. Debit Card Charges Category Charges Titanium Prime Titanium Prime Titanium Rewards Plus Cards Photo No No No Issuance fees Primary: FREE FREE `500/Joint: `100 Annual fees `150 (Waived on `200/`300/POS transaction of `50. 2010.Other Account Related Charges: Category 1. Account Services: (at branches) a) Signature verification b) Address confirmation c) Photograph verification 4. `10/-) + `30/.per transaction `50.000/- `100/NIL 2 DDs/POs free per month at Axis Bank Locations (irrespective of value) & a charge of `50 thereafter 6.e. i. Closure of Accounts: a) If Closed within 6 months b) If Closed after 6 months 5.000/ `2./10 POS transactions of any value in year) Card Replacement `100/`100/`150/Charges Duplicate PIN `50/`50/`50/Transaction Charges a) At the Axis Bank Nil Nil Nil ATMs b) At the VISA/Master Card enabled ATMs of other Banks In India I) Cash Withdrawal `20/.for each non-financial Nil Transactions transaction after that (inc.000/`50.000/`75.f 1st February 2013 2.000/- `125/`25/3. Stop Payment Instructions Charges Free `50/`100/.e. `10/-) 2.000/`75.5% w.per transaction `50.plus taxes (Issuance charges) `500/.5% of the sale Amount (Min. the charges for a particular month will be debited at the end of the subsequent month. Locker Tariff: 25% off in 1st year rent (subject to availability of lockers) *This charge will be w.5% of the sale Amount (Min. Axis Direct: `400 refunded on account opening charges if brokerage of `400 is generated in the first 2 months of account opening 8.00.5% of the sale Amount (Min. `10/-) + `30/.000 p.e.000/- 3. Annual Fees `50/`250/ 3. like standing instructions. 2. Presently the quarterly interest is paid on the first Monday (or the next working day. the Bank reserves the right to unilaterally freeze operations in such accounts. Out of pocket expenses to be recovered. Card Replacement `100/`250/Charges 4. savings interest is being paid on a daily product method on quarterly basis.5% of the sale 2.for a series of instruments (beyond 3 cheques) 3. Availing of the Anywhere Banking facility and the At Par Cheque facility is contingent upon the limits and service charges stipulated for these facilities. Please note that in the event of the account balance being zero consecutively for 3 months or more. For Trust Account. trustees. the Bank reserves the right to close the account without any obligation to intimate the customer. 5. Other Account Related Charges Category Charges 1.5% w. 6th transaction Onwards `20/. requests for hot carding ATM/DEBIT Cards. 10. Any special instructions.per transaction Note: Axis Bank reserves the right to revise the charges at its own discretion.f 1st February 2013 `125/ `25/ 3. The balance in the account must adhere to the minimum quarterly average balance stipulation laid down by the Bank and communicated to you at the time of opening of the account. Any change of address should be immediately communicated in writing to the Bank.RULES & REGULATIONS 1. 10 11 .5% w. 9. Satisfactory conduct of the account entails maintaining stipulated minimum quarterly average balance as well as sufficient balance to honour cheques issued to third parties. Cheques Book Charges NIL 2. Closure of Accounts a) If closed within 6 months `100/b) If closed after 6 months NIL Pay Order Charges NIL Demand Draft (at Axis Bank Location) NIL RTGS/NEFT NIL Debit Card Charges (issued on request only for A/c having single signatory) Category Charges (Normal Debit Card) (Gold Plus Debit Card) 1. 3. Transaction Charges a) At Axis Bank ATMs NIL NIL b) At VISA/MasterCard ebabled ATMs of other Banks In India I) Cash withdrawal ii) Balance Inquiry Outside India I) Cash withdrawal ii) Balance Inquiry iii) Cross Currency Markup c) Surcharge At Petrol Pumps 1st five ATM transactions Free Per month at other Bank ATMs Free. Issuance of duplicate card/PIN must be communicated in writing and/or via valid Internet Banking User ID (wherever such an option is available subject to terms and conditions applicable for such facility). The customer should thus transact on the account periodically. In case there are no customer induced debit.5%of the sale NIL Amount (Min `10/) At Railway Stations 2. 6.per transaction NIL NIL `125/`25/3. stop payment instructions. both financial and non-financial in nature. 12. pay Orders.per transaction `30/. The said interest credit is also value dated of the quarter-end date. any change of address. Demand Drafts.per return will be charged. If there are no transactions in the account for a period of two years. NetSecure Charges Net Secure with SMS/WebPin Net Secure with 1-Touch Free `800 plus taxes (Issuance charges) `500 plus taxes (Replacement charges) SAVINGS BANK. if Monday is a National Holiday) after the quarter-end date. the Bank reserves the right to close the account under intimation to the customer. 4. Internet banking and Tele banking unless otherwise stated. Nonmaintenance of this quarterly average balance will attract applicable penalty on a quarterly basis and on a date determined by the Bank. The Savings Bank Account entitles free access to Axis Bank ATMs. the account will be treated as an inoperative account. 8. With effect from 01-04-2010. it may be classified as inoperative. office beares should be immediately communicated in writing to the Bank. In the event of occurrence of such transactions or any other such transactions that may be construed as dubious or undesirable. The service charges levied by the Bank and/or interest credited by the Bank would not be considered as customer induced transactions. 11.per instrument `200/.e. Account Services (at branches) a) Signature Verification `25/b) Address Confirmation `50/c) Photograph Verification `50/4. presently it is 4 % and RBI has revised the method of application. 7. authorised signatories.000/Charges for Non-Maintainance of AQB SBTRS `750/The following account are offered Zero Balance facility Section 25 companies Account opened for permission from Ministry of Home Affairs under Foreign Contribution Regulation Act 2010 Account for self help groups Account of PF/Gratuity/Supper Anuation/Pension Trust Anywhere Banking Charges NIL Outstation Cheques Collection of Outstation Cheques NIL *Free at Axis Bank location. otherwise it shall not be binding on the Bank to comply with such instructions. so that it does not become inoperative. The savings interest rate has been de-regulated by RBI.5% of the sale Amount (Min `10/-) + Amount (Min `10/-) + `30/. If there are high incidences to the contrary.e. Stop Payment Instructions `100/. issuance of cheque books. The Savings Bank Account should be used to route transactions of only non-business/noncommercial nature.SAVINGS TRUST ACCOUNT SAVINGS TRUST ACCOUNT Minimum Average Quarterly Balance (AQB) Requirement SBTRS `25.f 1st February 2013 2. Duplicate Pin Category `50/`50/ 5. Opening of the Savings Account tantamount to deemed acceptance of the aforesaid rule & regulations as well as the fact of being informed about the various service charges being levied by the Bank and the terms and conditions guiding related products and services. credit and/or third party transactions in the account. Cheque Return Charges a) Inward Clearing I Per instrument `350/b) Outward clearing cheque return `100/c) ECS Debit Return Charges `200/*Beyond 3 returns in Quarter `750/. Issuance Fees `95/`500/2.