Schedule of Benefits and Fees for PMJDY Account


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Schedule of Benefits and Fees for
PMJDY Account

Schedule of Benefits and Fees for
PMJDY Account
(with effect from 01.03.2020)

Average Quarterly Balance (AQB) Nil & Account Opening Amount (AOA) Requirement

DCB Visa Debit Card

Debit Card Withdrawal Limit

`10,000 per day

Debit Card POS Spending Limit Nil

DCB Debit Card Fee

Issuance Fee (One-time)

Free

Annual Fee

Free

Replacement of Card

Free

Damaged Card

Free

DCB Debit Card Usage

Usage at DCB Bank ATMs

Free

Usage at Visa ATMs

Cash withdrawal and Balance Inquiry (Domestic)

Free Limit - Monthly

Average Monthly Balance (AMB) maintained is less than `25,000 - First 5 transactions free, Average Monthly Balance (AMB) maintained is `25,000 or more - First 8 transactions free

Charges above Free Limit

`18 per financial transaction & `7 per non-financial transaction

Balance Enquiry (International)* `25 per transaction

Cash Withdrawal (International)* `125 per transaction

Value Added Services

DCB Mobile Banking

Free

DCB Internet Banking

Free

DCB Phone Banking

Free

DCB Utility Bill Payment

Free

Personalised Cheque Book

Payable at Par Cheque Book

Free 25 leaves per year

Charges above Free Limit

`2 per leaf

Issue of Loose Cheque Leaves `5 per leaf

Cash Transactions

Cash Deposit - Total Amount of Cash Deposit (Any DCB Bank Branch)

Free Limit - Monthly

3 times the Average Monthly Balance (AMB) maintained in previous month

Charges above Free Limit

More than 3 times and upto 10 times AMB - `4 per thousand More than 10 times AMB - `6 per thousand

Cash Deposit - Number of Transactions (Any DCB Bank Branch)

Free Limit

Unlimited free if Average Monthly Balance (AMB) of `1,00,000 is maintained. Else: 10 free cash deposit transactions per month

Charges above Free Limit

`100 per transaction

Cash Deposit in Lower Currencies (Below `100) and Coins

MAB Maintained in a month

Free Monthly Limit

Upto `25,000

1,000 pcs.

Upto `3 Lakhs

2,500 pcs.

Upto `10 Lakhs

5,000 pcs.

Upto `25 Lakhs

10,000 pcs.

Above `25 Lakhs

Free

Charges above Free Limit

`10 per 100 pcs.

Cash Withdrawal - Total Amount of Cash Withdrawal (Any DCB Bank Branch)

Free Limit - Monthly

3 times the AMB maintained in previous month

Charges above Free Limit

More than 3 times and upto 10 times of previous month AMB - `1 per thousand More than 10 times of previous month AMB - `2 per thousand

Cash Withdrawal - Number of Transactions (Any DCB Bank Branch)

Free Limit - Monthly

AMB maintained in previous month is less than `50,000 3 free cash withdrawal transactions AMB maintained in previous month is equal to or greater than `50,000 - 10 free cash withdrawal transactions

Charges above Free Limit

`100 per transaction

TDS on Cash Withdrawal (Any DCB Bank Branch)

Free Limit

`1 crore in a Financial Year

TDS above Free Limit

2% of the withdrawal amount

Clearing Transactions

Fund Transfer within DCB Bank

Free Limit

Free

Any Branch Banking (ABB) Clearing - Inward and Outward Clearing

Free Limit

Free

Outstation Cheque Collection

DCB Bank & HDFC Bank Locations and Non-DCB Bank & HDFC Bank Locations

Upto `5,000 - `25 per instrument `5,001 to `10,000 - `50 per instrument. Above `10,000 to `1 lakh - `100 per instrument. Above `1 lakh - `150 per instrument (All inclusive of other bank charges)

Cheque Deposited & Returned Unpaid

Local

`100 per instrument

Outstation Cheques

`100 per instrument

Charges for Cheques Appearing in `25 per instrument (except for FD proceeds and Clearing Validation Report for Funds Reasons Regularisation)

Cheque Issued & Returned

Cheque Issued & Returned (Financial Reasons)

`500 per instrument

ECS / NACH Returns

`500 per instrument

Stop Payments

Stop Payments

`50 per instrument, Maximum `200 per series

Remittance

Pay Orders & Demand Drafts

Pay Order - Local Demand Drafts Nil (Free Limit)

Charges above Free Limit

`1 per 1,000. Minimum `50 and Maximum `3,000

Pay Orders & Demand Drafts (Payable at DCB Bank & HDFC Bank Branch Locations)

Non-cash Transactions - Free Limit Nil

Charges above Free Limit

`2 per 1,000. Minimum `50 and Maximum `5,000

Cash Transactions

`300 per instrument

Demand Drafts / Pay Order Cancellation / Revalidation & Duplicate Issuance

Cancellation / Revalidation Charges `50 per instrument

Issue of Duplicate Instrument

`50 per instrument

Electronic Fund Transfers

NEFT Charges

Amount upto `10,000 - `2 Amount above `10,000 and upto `1 lakh - `4.50 Amount above `1 lakh and upto `2 lakh - `14.50 Amount above `2 lakh - `24.50

RTGS Charges

Amount above `2 lakh and upto `5 lakh - `24.50 Amount above `5 lakh - `49

IMPS Charges

Amount upto `1 lakh - `4.50 Amount above `1 lakh and upto `2 lakh - `14.50

UPI / USSD

Free

Visa Money Transfer

`25 per transaction

Other Services

Statement of Account

Email (Monthly)

Free

Physical (Quarterly)

Free

Physical (Monthly)

`200 per annum

Duplicate Statement

`25 per page. More than 1 year = `100 per page

Balance Confirmation Certificate & Interest Certificate

Current Year

Free

Previous Year Upto Last 2 Years `100 per year

Above 2 Years

`500 per year

Duplicate

`25 per certificate

Standing Instructions (Excluding Transfer to / from Deposit / Loan A/c & Transfer to Savings Accounts)

Setup

Free

Execution

`25 + DD/PO Charges + courier / other out of pocket expenses~

Verifications

Signature Verification

Free

Photo Attestation

Free

(only if the AOF with photo is

available at the branch)

Penalty Charges for Non-Maintenance of AQB / AMB

Non-Maintenance Charges

Nil

Account Maintenance Scheme Transfer Fees# Free

Account Closure

Free

Mode of Calculation of Average Monthly Balance : Sum of End of Day balances for a Month รท Number of days in the Month. *International transactions allowed only on international debit cards. ~Out of Pocket expenses - Interest, postage / courier, cable, telex, correspondent bank charges and other expenses, if any, will be added. #Scheme transfer to lower AQB scheme code can be made only during first fortnight of the quarter through a written request. Scheme Code Charges are applicable only for opting a lower scheme code as compared to the existing one. Intercity: Outside the city, Intracity: Within the city. The above mentioned benefits & fees are subject to change from time to time. Charges specified are exclusive of GST. Terms and conditions apply.

Feb 20 / 1.4

DCB Bank Limited

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Schedule of Benefits and Fees for PMJDY Account