| Tariff scope | Retail fee index spanning ordinary Savings, Salary Package, BSBD/basic and selected digital/ATM services. Product-specific tariffs override generic bank guidance. | Retail fee index covering mainstream Savings plus ATM, debit-card, digital transfer, BillPay and Basic-account exceptions. Relationship programmes remain separate. |
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| Account maintenance | Savings Bank average-balance non-maintenance penalty is waived from 11 March 2020 under SBI's current revised-service-charge index; separate account/service fees can still apply. | Reviewed mainstream Savings: non-maintenance charge 6% of shortfall or ₹500, whichever is lower. New-account MAB structure from 1 August 2025 is ₹15,000 metro/urban, ₹7,500 semi-urban and ₹2,500 rural. |
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| Debit-card charges | Debit-card issuance/annual/replacement pricing remains variant- and account-linked. BSBD/basic RuPay ATM-cum-Debit Card treatment is separately free under the reviewed basic-account evidence. | ICICI Platinum Debit Card reviewed fee: ₹300 + GST annual and ₹300 + GST replacement. Other card variants/programmes retain their own fee schedules. |
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| ATM charges | For ordinary Savings variants covered by the 1 December 2025 notice (excluding BSBD, KCC and Salary Package), five other-bank ATM/ADWM transactions are free monthly at all centres; post-free pricing is ₹23 + GST financial and ₹11 + GST non-financial. | Savings customers: five free financial ICICI-ATM transactions monthly and ICICI non-financial transactions free; non-ICICI ATM allowance is three in six metros/five elsewhere (maximum five free monthly), then ₹23 financial and ₹8.50 non-financial + GST. |
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| Cash / branch | Branch/cash pricing remains account/service-specific; no single SBI cash-handling rate is inferred across Savings, Salary, BSBD and business products. | Savings cash transaction pricing varies by account variant/opening cohort; this profile does not use a generic blog/article figure to override the current account schedule. |
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| Transfers | Digital transfer pricing is rail/channel specific. The fee ledger does not convert one IMPS/NEFT/RTGS waiver or charge into a universal transfer fee. | Digital NEFT/RTGS nil. Reviewed branch NEFT is ₹2.25/₹4.75/₹14.75/₹24.75 + GST by slab and branch RTGS ₹20/₹45 + GST. Savings IMPS from 1 July 2025 is ₹2.50/₹5/₹15 + GST across stated amount slabs. |
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| Digital services | SBI Unipay's reviewed digital bill-payment channels are nil-charge to the customer; underlying biller/card/tax charges remain separate where applicable. | ICICI currently states zero convenience fee on bill payments and mobile/DTH recharges through its own platforms. |
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| Waivers | BSBD/basic, KCC, Salary Package and other programme concessions are retained as scoped overrides rather than treated as bankwide fee waivers. | Salary, Basic Savings and relationship programmes can waive or change selected base-account charges; no waiver is treated as universal without a controlling product source. |
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| Effective-date logic | Current and announced-future charges are stored separately. A future-effective row cannot replace the current tariff before its effective date. | 2026 fee-revision notices trigger re-verification. A notice title alone is not used to fabricate a changed amount; the detailed current schedule/product page must identify the value and effective date. |
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