Schedule of Charges

Account Variant Pratham Savings Saral Salary Sanchay Savings

Pragati Current Account
Account Account Account
Account Feature

Rs 5000 for Urban/Rs 2500 for

Monthly Average Balance Rs 1000 0 0
Rural

Rs 100 – Urban
Non Maintenance of MAB Rs 50 NA NA
Rs 50 – Rural

Initial Funding Rs 5000 for Urban/Rs 2500 for

Rs 1000 Nil Nil
Rural

Debit Card Services

Card Variant RuPay Classic RuPay Classic RuPay Classic RuPay Platinum
Issuance Fee Rs 149 Rs 99 Rs 99 Rs 199

Annual Fee (2nd Year Onwards) Rs 149 Rs 99 Rs 99 Rs 199

Card Replacement Fee Rs 149 Rs 99 Rs 99 Rs 199

PIN Regeneration Rs 10 Rs 10 Rs 10 Rs 10

Free ATM Interchange 3 for Metro /5 for 3 for Metro /5 for 3 for Metro /5 for non-
1 for Metro /2 for non-metro
(Per Month) non-metro non-metro metro

20 : Fin Tran 20 : Fin Tran 20 : Fin Tran 20 : Fin Tran

Charges Post free limit
8.5 : Non Fin Tran 8.5 : Non Fin Tran 8.5 : Non Fin Tran 8.5 : Non Fin Tran
ATM transaction decline fee :
Transactions declined at other bank Rs 20 Rs 20 Rs 20 Rs 20
ATMs due to insufficient funds
CASH Deposit
2 txns free per
2 txns free per 5 txns free per month,
Branch month, Rs.5 per Free
month, Rs.5 per 1000 Rs.5 per 1000
1000

0.6% of Transaction 0.6% of Transaction 0.6% of Transaction

0.6% of Transaction
Merchant or Min Rs 5 or Min Rs 5 or Min Rs 5 whichever is
or Min Rs 5 whichever is higher
whichever is higher whichever is higher higher

CASH Withdrawal
2 txns free per
2 txns free per 5 txns free per month,
Branch month, Rs.5 per Free
month, Rs.5 per 1000 Rs.5 per 1000
1000

0.6% of Transaction 0.6% of Transaction 0.6% of Transaction

0.6% of Transaction
Merchant or Min Rs 5 or Min Rs 5 or Min Rs 5 whichever is
or Min Rs 5 whichever is higher
whichever is higher whichever is higher higher

Fund Transfer
FINO TO FINO
Branch Flat Rs 5 Free Flat Rs 5 Free
Merchant Rs 10 Rs 10 Rs 10 Rs 10
Mobile Banking Free Free Free Free
FINO To Other Banks
 A : Up to Rs .1000 :
A : Up to Rs .1000 : Rs Rs 5
5 B: 1001-4999 : Rs A : Up to Rs .1000 : Rs 5
A : Up to Rs .1000 : Rs 5
B: 1001-4999 : Rs 10 10 B: 1001-4999 : Rs 10
B: 1001-4999 : Rs 10
C : 5000-9999: Rs 15 C : 5000-9999: Rs C : 5000-9999: Rs 15
Branch C : 5000-9999: Rs 15
D : 10000 - 25000 : Rs 15 D : 10000 - 25000 : Rs 20
D : 10000 - 25000 : Rs 20
20 D : 10000 - 25000 : E : 25001 and above : Rs
E : 25001 and above : Rs 30
E : 25001 and above : Rs 20 30
Rs 30 E : 25001 and
above : Rs 30

A : Up to Rs .1000 :
A : Up to Rs .1000 : Rs Rs 5
5 B: 1001-4999 : Rs A : Up to Rs .1000 : Rs 5
A : Up to Rs .1000 : Rs 5
B: 1001-4999 : Rs 10 10 B: 1001-4999 : Rs 10
B: 1001-4999 : Rs 10
C : 5000-9999: Rs 15 C : 5000-9999: Rs C : 5000-9999: Rs 15
Merchant C : 5000-9999: Rs 15
D : 10000 - 25000 : Rs 15 D : 10000 - 25000 : Rs 20
D : 10000 - 25000 : Rs 20
20 D : 10000 - 25000 : E : 25001 and above : Rs
E : 25001 and above : Rs 30
E : 25001 and above : Rs 20 30
Rs 30 E : 25001 and
above : Rs 30

Mobile Banking Rs 10 Rs 5 Rs 10 Rs 5
Account Statement
Email – Statement Free Free Free Free

Physical Statement: Adhoc

Rs 50 per instance Rs 50 per instance Rs 50 per instance Rs 50 per instance
Statement

Cheque Outward Clearing

Cheque Collection (Outstation)
Upto & including Rs.5000 per Rs.25 Rs.25 Rs.25 Rs.25
instrument

Cheque Collection (Outstation)

above Rs.5000 & upto & including Rs.50 Rs.50 Rs.50 Rs.50
Rs.10,000 per instrument

Cheque Collection (Outstation)

above Rs.10,000 & upto & including Rs.100 Rs.100 Rs.100 Rs.100
Rs.100,000 per instrument

Cheque Collection (Outstation)

above Rs.100,001 & upto &
Rs. 150 Rs. 150 Rs. 150 Rs. 150
including Rs.500,000 per
instrument

Cheque Collection (Outstation)

above Rs.500,001 & upto &
Rs. 150 Rs. 150 Rs. 150 Rs. 150
including Rs.10,00,000 per
instrument

Cheque Collection (Outstation)

Rs. 150 Rs. 150 Rs. 150 Rs. 150
above Rs.10,00,001 per instrument
 Rs. 150 per
Cheque Return Rs. 150 per instance Rs. 150 per instance Rs. 150 per instance
instance

Miscellaneous Services

Standing Instruction Charges -Setup Free Free Free Free

Standing Instruction Charges -

0 0 0 0
Transaction charges

SI failure due to customer related

INR 350 / instance INR 350 / instance INR 350 / instance INR 350 / instance
errors

Account Maintenance & Other

services

SMS Alert Charges /month Rs 5 Rs 5 Rs 5 Rs 5

Doorstep Banking Services NA NA NA Rs 25 per instance

Upto 14 days - Nil; Upto 14 days - Nil; Upto 14 days - Nil;

Upto 14 days - Nil; Between 15
Between 15 and 180 Between 15 and Between 15 and 180
Account Closure and 180 days Charge of Rs. 200;
days Charge of Rs. 180 days Charge of days Charge of Rs. 200;
Else Nil
200; Else Nil Rs. 200; Else Nil Else Nil

On maintenance of Rs 30,000 or more, following charges will be waived for the particular month:
 1. Cash Deposit and withdrawal transactions at Fino Payments Bank Branch
2. Funds transfer within Fino ( At Branches and through Mobile Banking)
3. Funds transfer outside Fino through Mobile Banking
4. Adhoc Statement (1 free per month)
5. SMS Alerts charges
6. Doorstep Banking charges (Only for Current Account)

*Metro locations include Mumbai, Delhi, Bangalore, Chennai, Kolkata and Hyderabad and Non-metro locations include other locations in India
** All charges are exclusive of applicable taxes