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Disclosures
Regulation 46 and 62
IEPF

Products

Cash Transactions	Charges
Cash Deposit (Home and Non Home branch Location)	Nil Charges upto 10 times of prev month's Avg. credit balance; Max. 4 Cr p.m. Thereafter ₹3.5/1000 (Min. 50 per txn)
Cash Withdrawal: For Non - home Branch Location	Nil Charges upto 2.5 Lakh per day; Thereafter ₹2/1000 (Min. 50 per txn)

Non-Cash Transactions	Charges
RTGS payment through online mode or branches	Nil Charges
NEFT** payment through online mode or branches	Nil Charges
IMPS Payment	Nil Charges
Cheque Book: Default Cheque Book is Payable At-par Only	Nil Charges
Out-station Cheque (Cheques drawn on non-speed clearing branches)	Nil Charges
Demand Draft / Banker's cheque payable at Branch Locations	Nil Charges up to 50 DD/ BC p.m.; thereafter: 1 / 1000 (Min. 50, Max. 5000)
Demand Draft / Banker's cheque payable at Non- Branch Locations	Nil Charges up to 30 L p.m.; thereafter: 2 / 1000 (Min. 50, Max. 5000)

Home Banking Services	Charges
On Call Request: Cheque Pick-up/DD Delivery	Nil charges up to 5 request / month; thereafter ₹75 / request
On Call Request: Cash Pick-up or Delivery^	Upto 2 Lakh: ₹875 ₹2 Lakh to ₹6 Lakh: ₹1,475 ₹6.01 Lakh to ₹10 Lakh: ₹2,475 ₹10.01 Lakh to ₹20 Lakh: ₹4,075 ₹20.01 Lakh to ₹100 Lakh: ₹6,675/- per request
Beat Services: Cash Pickup Per Location & Per Month	Up to ₹,50,000: ₹5,000 ₹50,000 to ₹1 Lakh: ₹6,000 ₹1 Lakh to ₹2 Lakh: ₹7,500 ₹2 Lakh to ₹4 Lakh: ₹10,000 ₹4 Lakh to ₹6 Lakh: ₹15,000 ₹6 Lakh to ₹8 Lakh: ₹20,000 ₹8 Lakh to ₹10 Lakh: ₹25,000 ₹10 Lakh to ₹15 Lakh: ₹35,000 ₹15 Lakh to ₹20 Lakh: ₹40,000 ₹20 Lakh to ₹50 Lakh: ₹50,000 ₹50 Lakh to ₹100 Lakh: ₹75,000 Per Location & Per Month
Beat Services: Cheque Pickup	Nil Charges

Debit Cards / ATM Usage	Charges
Debit Card charges	Nil Charges for 1st Year; thereafter ₹259 p.a.
^^VISA ATMs usage charges - Domestic - Non Financial Transaction	Nil Charges
^^VISA ATMs usage charges - Domestic - Cash withdrawal	Nil Charges
PIN Regeneration at ATM/ Net Banking/ Phone Banking,	Nil Charges
Debit Card Replacement (Lost / Stolen Card)	Nil Charges
Automated Teller Machine (ATM): Kotak ATM Txn	Nil Charges up to 5 txn
VISA ATMs - International - Non Financial Transaction	₹25 / Txn
VISA ATMs - International - Cash Withdrawal	₹150 / Txn
Transaction declined at merchant outlets/website/ATM, due to insufficient Balance	₹25 / Txn
Privy Debit Card Charges
Platinum Card , Signature Cards & Business Cards	₹750 p.a
Neon Debit Card & Private Banking Infinite Card	₹1500 p.a
LED Card	₹2500 p.a
Black Metal Card	₹5000 p.a

Penal Charges
Cheques Deposited & Returned (Outward) Local and Outstation	Nil charges upto 10 p.m. Thereafter, ₹100/cheque
Cheques Issued and Returned (Inward): Financial Reasons	₹500/instance
ECS returns: Financial Reasons	₹500/instance

Ace Current Account

Ace Current Account

Non Maintenance

Cash Transactions

Charges effective from 1st February, 2025

Non-Cash Transactions

Charges effective from 1st February, 2025

Home Banking

Charges effective from 1st February, 2025

Debit Cards / ATM Usage

Charges effective from 1st February, 2025

Penal Charges

Charges effective from 1st February, 2025

Other Charges

Charges effective from 1st February, 2025

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Other Services	Charges
Balance (Daily/Weekly), Transaction & Value Added Alerts	Nil Charges
Bank Statement Weekly (Physical),Annual Combined Statement,Balance Statement (Other than 31st March)	Nil Charges
Standing Instruction - Set-up/ Amendment	Nil Charges
Account Closure Charges	Nil Charges
Interest Statement & DD/BC Cancellation & Revalidation	Nil Charges
Signature Verification Address Confirmation	Nil Charges
Record retrieval charges & Photo Attestation	Nil Charges
Confidential Report & Credit Confirmation	Nil Charges
IMT - Instant Money Transfer ( Cashless Card Withdrawal)	Nil Charges
Mandate Registration Charges	Nil Charges
Account Closure Charges (Customer Induced Closure) & IMT ( Cashless Card Withdrawal)	Nil Charges
Ad- hoc Statements Request at Branch/ Phone Banking	<=365 Days: ₹100 >365 Days: ₹200
Ad- hoc Statements Request On Net Banking/ ATM	₹50
Fund Transfer Return: Finance Reason	₹300
Cheque Purchase Charges	₹0.5/1000/Day
Travelers Cheque Encashment	1% of TC Amount
Stop Payment	₹100 / request
Standing Instruction Failure	₹100
TDS Certificate(Duplicate only)	₹200/request
Solvency Certificate	₹10000
TOD Charges	₹500
Authorised Dealer Code Letter	₹500/request
GST on Foreign Currency Conversion Charges (FCY) ~
Value of purchase or sale of Foreign Currency	Value on which GST rate will be applicable
Up to 1,00,000	1% of the gross amount of currency exchanges or minimum of ₹250/-
Above ₹1,00,000/- to ₹10,00,000/-	1000 + 0.50% of the gross amount of currency exchanged less 1,00,000.
Above ₹10,00,000/-	₹5500/- + 0.10% of the gross amount of currency exchanges less 10,00,000 subject to maximum of ₹60,000/-
Foreign Currency Payments & Collections
DD Issuance/DD Cancellation /DD Revalidation/Cheque Collection	₹500
TT Transfer: Corr Bank Charges Borne by Beneficiary	₹250
TT Transfer: Corr Bank Charges Not Borne by Beneficiary	₹1000
Cheque Deposited and Returned ~ / Cheque Issued and Returned ~ <> (Financial Reasons)	₹1000

Ace Current Account

Ace Current Account

Non Maintenance

Cash Transactions

Charges effective from 1st February, 2025

Non-Cash Transactions

Charges effective from 1st February, 2025

Home Banking

Charges effective from 1st February, 2025

Debit Cards / ATM Usage

Charges effective from 1st February, 2025

Penal Charges

Charges effective from 1st February, 2025

Other Charges

Charges effective from 1st February, 2025

Ready to take the next step?

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Related Products

All you need to know about current account and business banking solutions