DIGITAL

BANKING
BANKING AT FINGERTIPS
DEBIT CARDS
• 3 Networks – RuPay, VISA, MasterCard
• NCMC Cards
• NFC (Contactless) Cards on all 3
networks
• Debit Cards – 81 lakhs (Only 28% of
active operative accounts)
DEBIT CARDS / CHARGES
Sl No Variant Type Network Usage BINs Issuance Annual Duplicate Duplicate
Charge Fee Card PIN *
1 Classic Chip RuPay Domestic 607204 150 150 150 60
2 Classic-KCC Chip RuPay Domestic 608086 0 150 0 60
3 Classic-Mudra Chip RuPay Domestic 608163 0 150 150 60

4 Classic-PMJDY Chip RuPay Domestic 608073 0 0 150 60

5 Premium Chip RuPay International 652171 150 150 250 60

6 Platinum Chip RuPay International 652193 250 250 500 60
7 Platinum-Moment Chip RuPay International 652247 500 250 150 60

8 Classic Chip VISA International 462488 250 250 250 60

9 Classic Chip +NFC VISA International 464918 295 295 295 60
10 Standard Chip +NFC MasterCard International 519903 295 295 295 60

* No charge for PIN generation through Mobile Banking, Internet Banking or ATM
DEBIT CARDS / LIMITS
Sl No Variant Type Network BINs Daily Cash Daily Cash Daily POS Daily POS /
Withdrawal Limit / eComm eComm
frequency frequency Limit *
1 Classic Chip RuPay 607204 5 25000 10 50000
2 Classic-KCC Chip RuPay 608086 5 25000 0 50000*
3 Classic-Mudra Chip RuPay 608163 5 25000 10 50000

4 Classic-PMJDY Chip RuPay 608073 5 25000 10 50000

5 Premium Chip RuPay 652171 5 25000 10 50000

6 Platinum Chip RuPay 652193 5 50000 10 200000
7 Platinum-Moment Chip RuPay 652247 5 50000 10 200000

8 Classic Chip VISA 462488 5 40000 10 75000

9 Classic Chip +NFC VISA 464918 5 40000 10 75000
10 Standard Chip +NFC MasterCard 519903 5 40000 10 75000

* eCommerce not allowed for RuPay KCC Cards

MOBILE BANKING / UPI
• 10 Lakh+ UPI Users ( Only 4% of
customers)
• 8 Lakh+ Mobile Banking users ( Only
2.5% of customers)
Statements
Fund Transfer – NEFT / IMPS
Bharat Bill Pay / Recharge
Debit Card Control
Voice Command
English & 8 Regional Languages
MOBILE BANKING SERVICES

• Add a New Biller • IMPS • Balance enquiry

• Pay / schedule payment • Intra-Bank Transfer • Issuance of TDS / Form
to biller • NEFT 16 Certificate
• View / Modify / cancel • Apply for Locker • Loan account / credit
an Existing Biller card statement
• Cheque Status Enquiry • Activate SMS alert /
email statement • Request Bank Statement
• Issuance of Cheque • Apply for DEMAT • Tax credit Statement,
Book account regenerate tax challans
• Stop Payment of Cheque • Launch a complaint
• Block Debit Card • Track/ follow-up on a
• Debit Card Pin complaint
Generation
MOBILE BANKING
Limits
Inter/Intra Bank Fund transfer Merchant Payment
Daily 48000 2000
Weekly 100000 5000
Monthly 250000 15000
Daily no of transactions 50 10
Charges
Transaction Amount Charges
IMPS
upto 10,000 6
above 10,000 12
NEFT
upto 10,000 3
above 10,000 6
UPI SERVICES
• Send Money status
using • Create VPA
Aadhaar/Mobile
No./ UPI ID • Set/reset UPI PIN
• Request Money
using Mobile
No./UPI ID
• Scan and pay
using QR Code
• Balance enquiry
• Check transaction
UPI CHARGES
Transactions Amount Slab Transaction Mode Charges Proposed (Including GST)

Upto Rs.1,000 Bank’s App & BHIM APP Nil

Other 3rd Party Apps Rs.3.00
Rs.1,001 - 25,000 Bank’s App & BHIM APP Nil
Other 3rd Party Apps Rs.6.00
Above Rs.25,000 Bank’s App & BHIM APP Nil

Other 3rd Party Apps Rs.10.00

3rd Party apps are – Google Pay , PhonePe, PayTM etc

USSD
• Sending Money • Set UPI PIN
using Mobile No • Change UPI PIN
• Sending Money • Aadhaar linking
using UPI ID Status
• Sending Money • PMJDY A/C
using Account Overdraft Status
No. + IFSC
• Requesting
Money using UPI
ID / Mobile No.
• Account Balance
INTERNET BANKING / SMS
• 6 Lakh+ Users
• Retail & Corporate

Statements of All accounts

Fund Transfer – NEFT / RTGS / IMPS
Tax payment / Bill Payments
Term Deposit Opening

• SMS Alerts for all transactions to all

customers
EBANKING SERVICES
• Pay to biller
• Cheque Status Enquiry
• Issuance of Cheque Book
• Stop Payment of Cheque
• Apply for Credit Card
• Block Credit / Debit Card
• Debit Card Pin Generation
• IMPS
• Intra-Bank Transfer
• NEFT
• RTGS
• Enrol for micro accidental death
insurance
• Enrol for micro life insurance
• Apply for loans
• Apply for Locker
• Activate SMS alert / email
statement
• Change in IB/MB Login Password
• Apply for DEMAT account
• Apply for Insurance
• Apply for IPO (ASBA)
• Apply for MF
• Launch a complaint
• NPS – Open
• NPS – Transact
• PPF – Transact
• Submission of Form 15G/H
• Track/ follow-up on a complaint
• Tax payment
• Update Aadhaar / PAN / Form 60
• Issuance of certificate of interest
for loan accounts
• Issuance of TDS / Form 16
Certificate
• Loan account / credit card
statement
• Request Bank Statement
• Tax credit Statement, regenerate
tax challans
• Close TD / RD
• Open TD / RD
• Renew / modify TD / RD
SMS ALERTS

• Change in account sharing of OTP, CVV, PIN service channels /POS

status (activated, • Change in Mobile /digital channels/E-
dormant etc.) commerce)
• OTP to approve
• Status of deliverables transactions • All credit transactions
(cheque book, card
dispatch) • Password change: Net • Success of bill payment
banking, Mobile Banking • Payee addition
• Internet/ Mobile
channel activation • Debit/Credit card due • Payee activation
for renewal • Success of NEFT/RTGS
• Salary Credited to
account • Card statement dispatch transactions
• Security reminders : No • All debit transactions
(branch based/Self-
ATM / POS
• 2017 ATMs
• Capex ATMs- 751
• Opex ATMs- 1266

• Retail POS
• Corporate POS
• Bharat QR
ATM TRANSACTION CHARGES

• ATM transactions charges for both financial and non financial transactions
Sl No Category of Service Free transaction /Month
1 Use of own ATMs for both financial and non financial transactions. FIVE(5)
Use of other Bank ATMs (located at Metro Centers) for both financial
2 and non financial transactions. THREE(3)
Beyond free transactions, charges @Rs 20/- and Rs 8/- plus applicable taxes
i.e. Rs.23.60/- and Rs. 9.44/- will be realised for financial and non financial
transactions respectively.
• Charges for failed debit card transactions due to Insufficient balance
Charge of Rs 20 plus GST will be levied from all type of accounts including staff
accounts in case of transaction declined due to non availability of required
balance in the account.
POS / RETAIL/CHARGES
Sl No. Charges Description
A Rental
Monthly Rent Rs. 150 +GST (GPRS) ; Rs. 250 +GST (GPRS) (PSTN & MPOS)
B Low Usage Charges ( GST extra )
Terminal Type Vol < Rs. 10,000 per Vol Rs. 10,001 to Rs Vol Rs. 50,001 to Rs 1 Lac Above Rs 1 Lac
month 50,000 per month per month per month
MPOS Rs. 200 per month Rs. 150 per month Rs. 50 per month NIL
PSTN Rs. 400 per month Rs. 200 per month Rs. 100 per month NIL
GPRS Rs. 600 per month Rs. 250 per month Rs. 150 per month NIL
C De-Installation Charges – Rs 500 + GST
( within first 6 months from the date of installation)
D Delay in Payment of Monthly Rental - Rs 100 per month for the period of
delay in realization
POS / RETAIL / MDR
Debit Card Credit Card International
Merchant MDR Card
Category
Bharat QR- 0.30% of transaction amount (cap of Rs
Small merchants (Turnover
200/- per transaction) + Applicable Taxes
up to Rs 20 Lac during the
Debit Card- 0.40% of transaction amount (cap of Rs 1.75 % of 3 % of
previous FY)
200/- per transaction) + Applicable Taxes transaction transaction
amount amount
Other merchants (Turnover Bharat QR- 0.80% of transaction amount (cap of Rs
above Rs 20 Lac during the 1000/- per transaction) + Applicable Taxes
previous FY) Debit Card- 0.90% of transaction amount (cap of Rs
1000/- per transaction) + Applicable Taxes
POS / CORPORATE / MDR

Debit Cards MDR

Corporate customer where the annual turnover of merchant is > 20 lakh 0.90% of the transaction amount (Cap of
Rs. 1000/-) + GST ( as per RBI directive)
Credit Cards MDR
Slab 1. Average CA balance of Rs. 7.5 lakhs during the last quarter or Rs.
8000 earned as interest in CC accounts during last quarter 1.5 % of the transaction amount + GST

Slab 2. Average CA balance of Rs. 10 lakhs during the last quarter or Rs.
12000 earned as interest in CC accounts during last quarter 1.25% of the transaction amount + GST

Slab 3. Average CA balance of Rs. 15 lakhs during the last quarter or Rs.
15000 earned as interest in CC accounts during last quarter 0.90% of the transaction amount +GST

Rental – NIL / Low Usage Charges – NIL

HOW TO ON-BOARD

Debit Card Mobile Banking Internet Banking POS ePassbook

• Through Branch • Play Store • Branch • Branch • Play store
• Internet Banking • App Store • Website • App store
• Mobile Banking * • Branch (MPIN)
THANK YOU