Banking Fees & Charges in India

Published research

Start with the exact product and its reviewed terms.

Every profile keeps its bank relationship, conditions, cautions, verification date and first-party evidence separate.

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6of 6 profiles shown

Axis BankBank fee profile

Axis Bank Banking Fees & Charges

An Axis Bank fee index that keeps Easy Access, Liberty, Priority, Burgundy and other account schemes separate because balance penalties, cash allowances, debit-card fees and ATM treatment vary materially by product.

First-party checked5 bank sourcesReviewed September 10, 2026

Balance ruleReviewed Easy Access MAB is ₹12,000 metro/urban, ₹5,000 semi-urban and ₹2,500 rural, with qualifying alternatives. Non-maintenance fee is ₹6 per ₹100 of shortfall capped at ₹600/₹300/₹150 by branch category.

Best fitAxis customers comparing account tiers and trying to understand which fees disappear with a salary/premium relationship and which remain card/channel-specific.

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Bank of BarodaBank fee profile

Bank of Baroda Banking Fees & Charges

A Bank of Baroda retail-fee profile connecting Savings/basic-account exceptions, ATM pricing, cash/cheque services and rail-specific transfer charges while keeping bob LITE card waivers separate from account balance rules.

First-party checked5 bank sourcesReviewed September 10, 2026

Balance ruleThe fee profile separates account balance requirements from charges. A minimum balance or QAB can control a waiver even where the account's non-maintenance charge itself is nil.

Best fitBank of Baroda customers comparing ordinary Savings, bob LITE/basic accounts and digital transfers without assuming every 'nil charge' applies to every product or channel.

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Canara BankBank fee profile

Canara Bank Banking Fees & Charges

A Canara Bank retail-fee profile anchored to its September 2026 service-charge index, separating card fees, ATM pricing, transfer charges and Basic Savings exemptions.

First-party checked4 bank sourcesReviewed September 10, 2026

Balance ruleFee applicability depends on the Savings/basic account and card variant. Basic Savings has no minimum balance and a free ATM/ATM-cum-Debit Card under the reviewed product rules.

Best fitCanara customers who want the newest dated ATM/card tariffs and need to distinguish ordinary Savings charges from senior-citizen, Jan Dhan/BSBD and card-tier exceptions.

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HDFC BankBank fee profile

HDFC Bank Banking Fees & Charges

A current HDFC Bank fee index connecting Regular Savings, premium-programme waivers, debit-card charges, cash usage and transfer channels while preserving product-level and effective-date scope.

First-party checked6 bank sourcesReviewed September 10, 2026

Balance ruleFor Regular Savings, the reviewed current structure is ₹10,000 AMB metro/urban, ₹5,000 AMB semi-urban and ₹2,500 AQB rural (with qualifying FD alternatives). Premium/salary/basic products can have different or waived balance-fee treatment.

Best fitHDFC customers comparing a mainstream Savings relationship with Preferred/Imperia or other account tiers and wanting the actual fee thresholds behind 'free banking' claims.

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ICICI BankBank fee profile

ICICI Bank Banking Fees & Charges

A dated ICICI Bank retail-fee profile linking the mainstream Savings balance schedule with ATM, debit-card, transfer, bill-payment and basic-account exceptions while treating notice-board revisions as refresh triggers.

First-party checked7 bank sourcesReviewed September 10, 2026

Balance ruleFor new mainstream Savings accounts from 1 August 2025, the reviewed product structure is ₹15,000 MAB metro/urban, ₹7,500 semi-urban and ₹2,500 rural. Select/Wealth, Salary, Basic and NRI relationships have separate conditions.

Best fitICICI customers who need to identify whether a fee comes from the Savings account, card, ATM network, transfer rail or relationship programme before comparing banks.

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State Bank of IndiaBank fee profile

State Bank of India Banking Fees & Charges

A dated SBI retail-fee profile that separates regular Savings, BSBD/basic, Salary Package and service-specific pricing instead of presenting one bankwide list of 'free' or 'paid' banking.

First-party checked5 bank sourcesReviewed September 10, 2026

Balance ruleFee treatment depends on the exact account class. Ordinary Savings, Salary Package, BSBD/FI/KCC and other schemes can have different waivers or transaction allowances even when they use the same SBI channels.

Best fitSBI customers comparing the practical cost of a Savings, Salary or Basic account and wanting to distinguish current charges from announced future changes.

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How to compare

Check the terms that can change the decision.

Category membership alone does not make products interchangeable. Recheck the bank's current controlling agreement, tariff or effective-rate table before acting.

Start with the product scope

A bank can publish a standard Savings tariff, a Basic-account exception, a Salary waiver and a Premium waiver at the same time. Identify the exact account/programme before applying any amount.

Effective date is part of the fee

An announced future charge is not the current charge. Keep current and future-effective rows separate, and retain the bank source date.

Waivers are overrides, not bankwide promises

A Preferred, Burgundy, Salary, BSBD or other relationship waiver only overrides the matching base fee while its eligibility condition remains satisfied.

Channel changes the price

Online NEFT/RTGS can be free while branch transfer is chargeable; ATM, branch cash, CDM and card fees are also separate fee systems.

Free count is not a transaction limit

Five free ATM withdrawals or four free branch cash transactions only determines pricing. Daily withdrawal/transfer limits belong to the separate transaction-limit layer.

Do not guess from notice titles

A fee-revision notice without the changed amount becomes a refresh trigger. The engine waits for a detailed current tariff rather than fabricating the new value.

Banking fee matrix

Compare the fee structure only after matching the account and relationship tier.

A standard Savings tariff cannot overwrite a Basic, Salary or Premium waiver. ATM, transfer and branch cash fees also keep their own channel and effective-date scope.

Research matrix: Bank fee profile; Account / card / ATM; Cash / transfer / waiver scope
Bank fee profile	Account / card / ATM	Cash / transfer / waiver scope
Axis Bank Banking Fees & Charges	Easy Access: ₹6 per ₹100 of average-balance shortfall, capped at ₹600 metro/urban, ₹300 semi-urban and ₹150 rural under the reviewed current MID. Reviewed Easy Access product evidence lists ₹200 issuance and annual fee ₹100 rural / ₹150 other locations for the linked base card. Priority/Burgundy card fee treatment differs and can be waived. ATM/cash pricing varies by account scheme. The dedicated Axis ATM/cash profile remains the operational source; v1.44 does not turn one product's allowance into a bankwide rule.	Liberty reviewed MID: first five cash transactions or ₹1.5 lakh monthly free, whichever is earlier; beyond that self cash ₹5/₹1,000 or ₹150 minimum, third-party ₹10/₹1,000 or ₹150 minimum. Reviewed Liberty material states unlimited free online NEFT/RTGS. Other Axis account variants can have different channel/service pricing. Priority-linked debit-card issuance/annual fee can be nil while Priority criteria are maintained; Burgundy debit-card issuance/AMC are waived for Burgundy segment customers under reviewed material.
Bank of Baroda Banking Fees & Charges	bob Advantage currently publishes location-based balance levels while stating nil MAB non-maintenance charge. bob LITE is a zero-balance proposition. Other Bank of Baroda products retain their own balance/fee rules. RuPay Platinum issuance/annual fee depends on linked account/tariff. bob LITE waives the annual fee only when its separate QAB condition is met. BOB ATM: five free financial+non-financial transactions, then ₹10 financial / ₹5 non-financial. Other-bank ATM for Savings: three free metros/five non-metros, then ₹23 financial / ₹11 non-financial; Current/OD/CC off-us transactions are chargeable from first use.	Branch cash-deposit/withdrawal tariffs vary by account and customer category; BSBD/FI protected treatment and third-party/non-home restrictions remain separately scoped. Savings NEFT nil. RTGS outward ₹24.50 for ₹2–5 lakh and ₹49.50 above ₹5 lakh. Retail IMPS from 1 October 2025: ₹2.50 up to ₹1,000; ₹5 for ₹1,001–₹25,000; ₹15 for ₹25,001–₹5 lakh, excluding GST. BSBD/FI basic-service exemptions and bob LITE card-fee waiver are preserved as narrow product overrides.
Canara Bank Banking Fees & Charges	Product-specific Savings/basic balance rules remain controlling. Canara BSBDA has no minimum balance and protected core-service treatment; no universal ordinary Savings NMC is inferred from the card tariff. Current card annual fees: ₹200 Classic/Standard, ₹500 Platinum, ₹500 Business, ₹1,000 Select/World; replacement ₹150. Virtual Debit Card has no charges except applicable international markup under the reviewed card page. Canara ATM/CR: general Savings five free financial/non-financial monthly and senior citizens eight; thereafter ₹23 + GST financial and ₹5 + GST non-financial. Other-bank ATM/CR: three free metro/five non-metro, then ₹23 + GST financial / ₹11 + GST non-financial.	Non-credit/non-forex schedule controls account cash handling and can club branch/CDM/kiosk cash deposits for entitlement; no separate machine-based free allowance is assumed. Online NEFT free for Savings. RTGS outward ₹24.50 for ₹2–5 lakh and ₹49.50 above ₹5 lakh + GST. IMPS Internet/Mobile ranges from nil below ₹1,000 to ₹20 for ₹2–5 lakh + GST, with specified inclusion-account exemptions. Staff, Jan Dhan, BSBD and other stated financial-inclusion accounts can receive specific transfer/card/service exemptions; senior-citizen ATM allowance is separately higher.
HDFC Bank Banking Fees & Charges	Regular Savings: metro/urban shortfall charges range from ₹150 to ₹600 by AMB band; semi-urban up to ₹300; rural AQB shortfall charges are ₹270 or ₹450 by band under the reviewed consolidated schedule. Programme exemptions can override only the matching product. Current HDFC Platinum Debit Card page: ₹850 + applicable taxes annual fee and ₹200 + taxes replacement; programme-linked variants can receive a waiver while eligibility is maintained. ATM free counts and post-free charges are controlled by the matching HDFC account/ATM tariff. Older consolidated pages can contain stale post-free ATM figures, so the dedicated ATM/cash profile remains the current operational anchor.	Regular Savings: four free cash transactions per month; aggregate cash up to ₹2 lakh/month is free. Beyond the applicable free value, ₹5 per ₹1,000 or part thereof, minimum ₹150; third-party cash is capped at ₹25,000/day under the reviewed tariff. Online NEFT/RTGS are nil-charge for reviewed eligible retail scope. Branch transfer fees remain amount-slab specific and are not treated as digital fees. Preferred and Imperia currently state nil savings non-maintenance charges inside the programme and waive the ₹850 annual Platinum Debit Card fee while programme membership is maintained.
ICICI Bank Banking Fees & Charges	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. ICICI Platinum Debit Card reviewed fee: ₹300 + GST annual and ₹300 + GST replacement. Other card variants/programmes retain their own fee schedules. 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.	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. 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. 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.
State Bank of India Banking Fees & Charges	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. 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. 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.	Branch/cash pricing remains account/service-specific; no single SBI cash-handling rate is inferred across Savings, Salary, BSBD and business products. 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. BSBD/basic, KCC, Salary Package and other programme concessions are retained as scoped overrides rather than treated as bankwide fee waivers.

Effective-date & waiver matrix

Announced future charges do not become current early.

The ledger distinguishes current, future-effective and relationship-scoped rows. When a notice announces a revision without the exact affected amount, it becomes a refresh trigger instead of an invented fee.

Research matrix: Bank; Effective-date logic / future state; Waiver / conflict rule
Bank	Effective-date logic / future state	Waiver / conflict rule
Axis Bank Banking Fees & Charges	Axis MIDs carry product/version context. The exact current product MID is controlling; older or different-product schedules remain separate rather than being averaged. No verified future-effective universal Axis Savings fee change is activated in this wave.	Priority-linked debit-card issuance/annual fee can be nil while Priority criteria are maintained; Burgundy debit-card issuance/AMC are waived for Burgundy segment customers under reviewed material.
Bank of Baroda Banking Fees & Charges	Rail and ATM fee rows retain their effective dates where the bank publishes them. Product-specific current pages override generic tariff only for the exact product benefit. No separate future-effective retail fee change is activated from the reviewed BOB sources in this wave.	BSBD/FI basic-service exemptions and bob LITE card-fee waiver are preserved as narrow product overrides.
Canara Bank Banking Fees & Charges	The card/ATM schedule explicitly marks changes effective 1 September 2026 and the main service-charge index was last updated 3 September 2026; these dates outrank older tariff copies for the same scope. No verified future-effective retail fee row beyond the review date is activated from the current Canara sources.	Staff, Jan Dhan, BSBD and other stated financial-inclusion accounts can receive specific transfer/card/service exemptions; senior-citizen ATM allowance is separately higher.
HDFC Bank Banking Fees & Charges	A fee row retains the source's stated effective date where published; legacy pages remain evidence conflicts rather than silently overriding a newer product/programme page. No unambiguous future-effective retail Savings fee change was promoted in this wave. Current dated tariffs remain controlling until HDFC publishes a newer effective schedule.	Preferred and Imperia currently state nil savings non-maintenance charges inside the programme and waive the ₹850 annual Platinum Debit Card fee while programme membership is maintained.
ICICI Bank Banking Fees & Charges	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. No unambiguous future-effective mainstream Savings amount is promoted from the reviewed notice board. June 2026 revisions are treated as current refresh triggers, not guessed values.	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.
State Bank of India Banking Fees & Charges	Current and announced-future charges are stored separately. A future-effective row cannot replace the current tariff before its effective date. SBI has announced that the maximum free other-bank ATM/ADWM transactions for Salary Package Account holders becomes five per month from 1 October 2026; current Salary Package pages can still show the pre-change allowance before that date.	BSBD/basic, KCC, Salary Package and other programme concessions are retained as scoped overrides rather than treated as bankwide fee waivers.

Maintained comparisons

Head-to-head research where the trade-off is meaningful.

Pairs are curated rather than generated automatically. Each product retains its own conditions, dates and evidence.

State Bank of IndiaState Bank of India Banking Fees & ChargesHDFC BankHDFC Bank Banking Fees & ChargesOpen comparison