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Revision in General Schedule of Fees & Charges w.e.f 1st January 2025’ Click here to know more.
| General Schedule of Fees & Charges (GSFC) For NRE / NRO Savings, Current, Corporate Salary, PINS Accounts, Foreign Tourists/Students NRO Accounts & Foreign National (Bangladeshi/Pakistani) NRO Accounts |
|||||||
|---|---|---|---|---|---|---|---|
| Accounts effective January 1st, 2025 (Amount in Rs. Unless otherwise specified) | |||||||
| Particulars | NRE / NRO Savings A/c | NRE Mariner Savings A/c | NRE / NRO Nova Savings A/c | NRE / NRO PINS A/c | NRE / NRO Current A/c | NRE / NRO Platina Savings Ac | |
| Average Monthly Balance (AMB) | 10,000 | Nil | 5,000 | Nil | 25,000 | 1,00,000 | |
| Non Maintenance Charge | Non maintenance of minimum monthly average balance <> | 6% of the shortfall in required AMB per month (Max upto Rs 500/-) |
NA | 6% of the shortfall in required AMB per month (Max upto Rs 500/-) |
NA | 6% of the shortfall in required AMB per month (Max upto Rs 500/-) |
6% of the shortfall in required AMB per month (Max upto Rs 600/-) |
| Debit/ATM Charges | |||||||
| Debit Card annual charges | Annual fees as per Debit Card GSFC detailed below | ||||||
| Non Kotak Domestic ATM - Cash Withdrawal / Non-Financial Transactions | Maximum of 5 transactions @ nil charges (incl. financial & non-financial) in a month with a cap of maximum 3 transactions (incl. financial & non-financial) @nil charges in metro cities*, thereafter Financial Txn - 21/txn, Non-Financial - 8.50/txn |
Maximum of 10 transactions @ nil charges (incl. financial & non-financial) in a month with a cap of maximum 3 transactions (incl. financial & non-financial) @nil charges in metro cities*, thereafter Financial Txn - 21/txn, Non-Financial - 8.50/txn |
Maximum of 5 transactions @ nil charges (incl. financial & non-financial) in a month with a cap of maximum 3 transactions (incl. financial & non-financial) @nil charges in metro cities*, thereafter Financial Txn - 21/txn, Non-Financial - 8.50/txn |
NA | Nil | Nil | |
| Cash Withdrawal/Non-Financial Transaction at International ATM | Cash Withdrawal - 150/txn Non Financial - 25/ txn |
Cash Withdrawal - 150/txn Non Financial - 25/ txn |
Cash Withdrawal - 150/txn Non Financial - 25/ txn |
NA | Cash Withdrawal - 150/txn Non Financial - 25/ txn |
Cash Withdrawal - 150/txn Non Financial - 25/ txn |
|
| Transactions declined at merchant outlets /websites /ATMs##, due to insufficient balance | 25 per transaction | 25 per transaction | 25 per transaction | NA | 25 per transaction | 25 per transaction | |
| Cheque return/SI/Transaction failure | |||||||
| ECS Return/Cheque Issued & Returned (Financial Reason)<> | 350 for first return in a month thereafter 750 for each additional return in the same month | 350 for first return in a month thereafter 750 for each additional return in the same month | 350 for first return in a month thereafter 750 for each additional return in the same month | 350 for first return in a month thereafter 750 for each additional return in the same month | 350 for first return in a month thereafter 750 for each additional return in the same month | 350 for first return in a month thereafter 750 for each additional return in the same month | |
| Cheque Issued & Returned (Technical Reason) |
50 | 50 | 50 | 50 | 50 | 50 | |
| Cheque Deposited & Returned (INR) | 200 | 200 | 200 | 200 | 200 | 200 | |
| Standing Instruction - Failure | 100 | 100 | 100 | NA | 100 | 100 | |
| Cheque Deposited & Returned (FCY) | 1000 | 1000 | 1000 | 1000 | 1000 | 1000 | |
| Foreign Exchange Services (FES)/Remittance Not allowed for non-broker third party transactions | |||||||
| FCY DD/ FCY Cheque Collection | 500 | 500 | 500 | 500 | 500 | 500 | |
| SWIFT Charges^ | 500 | 500 | 500 | 500 | 500 | 500 | |
| Outward Remittance Charges$ | 1000 | 1000 | 1000 | 1000 | 1000 | 1000 | |
| Foreign Bank Charges$ | 1250 | 1250 | 1250 | 1250 | 1250 | 1250 | |
| DD / PO / BC Revalidation / Cancellation - FCY | 500 | 500 | 500 | 500 | 500 | 500 | |
| Other Charges | |||||||
| TOD Charges | 500 | 500 | 500 | 500 | 500 | 500 | |
| TC Encashment | 0.3% of TC Amount (Min 50) |
0.3% of TC Amount (Min 50) |
0.3% of TC Amount (Min 50) |
0.3% of TC Amount (Min 50) |
0.3% of TC Amount (Min 50) |
Nil | |
| Debit Card Annual Charges | |||||||
| Pay Shop More/ Silk/ Rupay Debit Card | 259 p.a | Free for 1st year, therafter 259 p.a |
259 p.a | NA | 259 p.a | Nil | |
| Business Platinum | 259 p.a | 259 p.a | 259 p.a | NA | 259 p.a | Nil | |
| Visa Platinum | 750 p.a | 750 p.a | 750 p.a | NA | 750 p.a | Nil | |
| Replacement of Lost / Stolen Debit Card | 200 p.a | 200 p.a | 200 p.a | NA | 200 p.a | Nil | |
| Image Debit Card Issuance Fee** | 199 | 199 | 199 | NA | 199 | 199 | |
| Goods and Service Tax (GST) on Foreign Currency Conversion Charges (FCY)~ | |||||||
| Value of Purchase / Sale of FCY | Value on which GST rate will be applicable | ||||||
| Up to Rs 1,00,000 | 1% of the gross amount of the currency charges or minimum of Rs 250/- | ||||||
| Above Rs 1,00,000/- to Rs 10,00,000/- | 1000 + 0.50% of the gross amount of currency exchanged less 1,00,000 | ||||||
| Above Rs 10,00,000/- | Rs 5,500/- + 0.10% of the gross amount of currency exchange less 10,00,000 subject to maximum of Rs 60,000/- | ||||||
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