Digital Banking | Central Bank of India

SECTION F-DIGITAL BANKING

S No

Particulars

Charges

FUND TRANSFER

1.1

RTGS

Slab	Charges Through
	Branch	Net-Banking/ m-Banking
₹ 2.00 lakh to ₹ 5.00 lakh	₹ 24.50/-	NIL
Above ₹ 5.00 Lakh	₹ 49.50/-

1.2

NEFT

Slab	Charges Through
Slab	Branch	Net-Banking/ m-Banking
Up to ₹10,000/-	₹ 2.50/-	NIL
Above ₹10,000/- and up to ₹1.00 lakh	₹ 5.00/-
Above ₹1.00 lakh and up to ₹2.00 lakh	₹ 15.00/-
Above ₹2.00 lakh	₹ 25.00/-

1.3

IMPS

Transaction Amount (in Rupees)	Through Digital channels (INB/MB)	Through Bank Branches
Up to ₹ 10000/-	₹ 3 + GST	₹ 5 + GST
Above ₹10,000/- to 100000/-	₹ 5 + GST	₹ 7 + GST
Above ₹ 100000/- to 200000/-	₹ 10 + GST	₹ 15 + GST
Above ₹ 200000 to 500000/-	₹ 15 + GST	₹ 20 + GST

1.4

National Automated Clearing House (NACH) Mandate

Activity	Charges
Outward NACH Credit Transactions of Corporate	₹ 2/- per record subject to a minimum of ₹ 500/-
Outward NACH Debit Transactions of Corporate	₹ 2/- per record subject to a minimum of ₹ 500/-
Inward NACH Mandate Verification	₹ 100/- per mandate on acceptance
Outward NACH Mandate of Corporates	₹ 50/- per mandate on acceptance
Returning charges on return of NACH (debit) on account of insufficient Funds	₹ 100/-

SMS ALERTS/ INTERNET BANKING

2.1

SMS

For eligible account @ paisa 48 per SMS on actual basis.

Maximum quarterly cap applicable to normal customers for both CD & saving account holders is ₹ 20/-.

EXEMPTED: PMJDY accounts, Prathmik Bachat Khata, PMKVY, Cent Bachat, Balbhavishya, Muskan, Unnati (FI-BC), Pensioners, Salary & Financial Inclusion accounts, Staff members, Retired Staff, Senior Citizen, Student accounts & transaction done through cent Mobile/INB.

Bunch Note Acceptor (BNA) / Cash Deposit Machine (CDM)

3.1

Bunch Note Acceptor (BNA) / Cash Deposit Machine (CDM)

NIL

ATM CUM DEBIT CARD CHARGES / PREPAID CARD CHARGES

4.1

Variant

Rupay Select

Rupay Platinum

Rupay Platinum JCB

Rupay Classic

Rupay Business card

Rupay on the Go (GoKey-Key Chain

VISA Platinum

4.2

Card Issuance Charges

PRIMARY

Rupay Select	₹ 950
Rupay Platinum	₹ 300
Rupay Platinum JCB	₹ 300
Rupay Classic	₹ 200
Rupay Business card	₹ 499
Rupay on the Go (GoKey-Key Chain	₹ 500
VISA Platinum	₹ 600

4.3

Annual Maintenance Charges

Rupay Select	₹ 950
Rupay Platinum	₹ 300
Rupay Platinum JCB	₹ 300
Rupay Classic	₹ 200
Rupay Business card	₹ 250
Rupay on the Go (GoKey-Key Chain	₹ 500
VISA Platinum	₹ 600

4.4

Card surrender and transfer of unutilized balance

NIL

4.5

Hot Listing

NIL

4.6

Card Replacement Charges/Recard issuance Charges (Duplicate Issuance)

Rupay Select	₹ 200
Rupay Platinum	₹ 200
Rupay Platinum JCB	₹ 200
Rupay Classic	₹ 200
Rupay Business card	₹ 200
Rupay on the Go (GoKey-Key Chain	₹ 500
VISA Platinum	₹ 600

4.7

Duplicate PIN/ Regeneration of PIN through Branch

NIL

4.8

Transaction declined due to insufficient Balance

₹ 25/-

4.9

For use of Bank’s own ATMs located in Metro and Non-Metro Areas

5 Transaction (Financial + Non-Financial) in a month	Free
Charges for financial transaction beyond set (Free) limit	₹ 10/-
Charges for non-financial transaction beyond set (Free) limit	₹ 5/-

4.10

For use of other Bank’s ATMs located in Metro and Non-Metro Areas

Number of Free transactions (Financial & Non-Financial)

For Designated Six Metros (Bangalore, Chennai, Delhi, Kolkata, Hyderabad & Mumbai)	3
For other centres	5

Service Charges (Beyond 3 transactions for Designated Metros & 5 transactions for other centre)

For Financial transactions	₹ 21/-
For Non-financial transactions	₹ 10/-

4.11

International Transactional Charges (If said facility opted in Debit Card)

Where our bank has the tie up with Foreign bank

Particular	Card Type	Transaction Charges
Our Bank <>Druk Bank (Bhutan)	All international Debit card	At Druk Bank ATMs Cash Withdrawal: 12/- (plus taxes) Balance Inquiry: ₹2/- (plus taxes)
Our Bank<>RMA (Royal Monetary Authority Bhutan)	All Rupay International debit card	At all ATMs in Bhutan other than Druk Bank ATMs Cash Withdrawal: ₹50/- (plus taxes) Balance Inquiry: ₹10/- (plus taxes)
Our Bank<>EBL Nepal	All International debit card	At EBL ATMs Cash Withdrawal: ₹50/- (flat) Balance Inquiry: ₹15/- (flat)

Where our bank do not have the tie up with Foreign bank

ALL INTERNATIONAL DEBIT CARD

Particulars	Transaction Charges
Balance Enquiry	₹ 25/-
Cash Withdrawals	₹ 150/- (flat). Apart from this, customer is charges by the acquiring bank which is not fixed and ranges from country to country. It is typically between 2-4% of transaction amount

NOTE:

For Rupay JCB International Debit Card:

Charges for International non-financial transaction: ₹ 30/-
All existing features & limits of Rupay International Debit Card would inter alia apply for Rupay JCB Debits Cards.

Point of Sale (PoS) / e-Com Transactions

3% of transaction amount

CMS CHARGES

5.1

Fee Collection Module (FCM)

₹ 2/- per ₹ 1000/-

Minimum charge per transaction is ₹ 40/-

5.2

Integrated Fee portal (IFP)

IBS	₹ 8/- to ₹ 20/-
Debit Card	0.4% to 0.9%
Credit Card	1% to 1.9%

5.3

CMS (Cash Management services)

(Charges in paisa /per ₹1000)

Type of Centre	Annual Turn Over in ₹ crore
Type of Centre	>250	100-250	<100
Metro	6	15	25
Urban	20	30	50
Semi Urban	50	70	90
Rural	70	90	120

Above charges will be for credit arrangements on actual realization basis; Minimum charge per instrument ₹ 2/-

Returning charges – ₹ 120/- per instrument
If party desires immediate credit, interest @MCLR+6.5% shall be charged or if party is availing credit facility with @ROI being charged in the account + 1% for the days for which credit has been given in advance.

5.4

ADM (Auto Debit Mandate)

Mandate Registration/ Verification Charges	₹40/-per mandate(One time charge)
Mandate execution charges on due date	₹5/- per transaction
Representation for returning charges	₹100/- per transaction (as per banks guidelines)