For Details :

Visit your nearest branch Terms & Conditions

Call us at 18002335577, 18002095577,
18001035577 (toll free number in India) Service Charges & Fees
Log on to www.axisbank.com Sept 2011
Dec 2011

Savings Account
CONTENT

SAVINGS ACCOUNT (Domestic) 1pg

Schemes: SBEZY - Easy Access Account, SBOTR - Online
Trading, SBSPL -Special Account, SBDMT - Demat Account,
SBWDN - Withdrawn Account, SBRMT - Remittance Account,
SBSTU - Student Account, SBSA3 - Salary A/c Converted to
Normal Saving A/c Due to Non Credit of Salary For 3 Months
SBMIN - Savings Minimum Balance Account, SSEZY - Savings
Senior Citizen Easy Access Account, SWEZY - Savings
Women's Easy Access Account

SAVINGS ACCOUNT (Domestic) 5pg

Schemes: SBPRM – Prime Savings Account
SAVINGS ACCOUNT (Domestic) calculated from 15/06/2009 to14/09/2009.

Schemes: SBEZY - Easy Access Account, SBOTR - Online Trading, SBSPL -Special Account, Anywhere Banking Charges
SBDMT - Demat Account, SBWDN - Withdrawn Account, SBRMT - Remittance Account,
SBSTU - Student Account, SBSA3 - Salary A/c Converted to Normal Saving A/c Due to Non Particulars Limits/Charges (`)
Credit of Salary For 3 Months SBMIN - Savings Minimum Balance Account, SSEZY - Savings I Cash Charges Home Branch Non Home Banch
Senior Citizen Easy Access Account, SWEZY - Savings Women's Easy Access Account
(Both Deposits &
Withdrawal in month) #
SAVINGS BANK ACCOUNT - Schedule for Services Charges
I Metro/Urban branches:
(Services Tax applicable will be levied on all charges, and would be rounded-off to
UPTO 5 CASH TRANSACTIONS
the next Rupee)
a) Amount of Deposits / No Limit `50,000/- per
Minimum Average Quarterly Balance (AQB) Requirement:
Withdrawal day free
EasyAccess Savings Account
b) Charges Not Applicable Above `50,000/-
SBOTR (with no Trading Transaction in a quarter)
`2.50/- per 1,000
Metro/Urban Branch `5000/-
or `95/- per transaction
Semi Urban Branch `2500/-
whichever is higher
Rural Branch `1000/-
6TH CASH TRANSACTION ONWARDS
Demat Account `1000/-
a) Charges `2.50/- per 1,000 `2.50/- per 1,000
SBOTR (with atleast One Trading No AQB requirement
or `95/- per or `95/- per
Transaction in a quarter)
transaction whichever transaction whichever
Student Account `500/-
higher, on the higher, on the
Special Saving Account** `500/- or `1000/- or `2500/-
full amount full amount
Withdrawn Account** `1000/- or `2500/-
ii Semi Urban/Rural branches:
SBMIN
UPTO 10 CASH TRANSACTIONS
Rural Banking Strategy Branches (RBS) `1000/-
a) Amount of Deposits / No Limit `50,000/- per
* Please ascertain the category of your Axis Bank branch where you maintain your
Withdrawal day free
Savings Bank Account.
b) Charges Not Applicable Above `50,000/-
Charges for Non-Maintenance of Average Quarterly Balance (AQB):
`2.50/- per 1,000
EasyAccess Savings Account
or `95/- per transaction
SBOTR (with no Trading Transaction in a quarter)
whichever is higher
Metro/Urban Branch `750/-
11TH CASH TRANSACTION ONWARDS
Semi Urban Branch `750/-
a) Charges `2.50/- per 1,000 `2.50/- per 1,000
Rural Branch `500/-
or `95/- per or `95/- per
Demat Account `500/-
transaction whichever transaction whichever
Student Account `500/-
higher, on the higher, on the
Special Saving Account** `750/-
full amount full amount
Withdrawn Account** `750/-
# The above charges will be calculated on a monthly basis and will be applicable from
SBMIN
the monthly charge cycle of 15th March 2011 - 14th April 2011 onwards. Charges
Rural Banking Strategy Branches (RBS) `150/-
shall not be applicable on Cash transaction at Axis Bank ATMs.
Encash 24 (Flexi deposit scheme)
II Inter-Bank real Time Fund-Transfer
Minimum Balance in Savings Account `10,000/-
a) Outward RTGS
Charge for non-maintenance `750/-
`1 lakh to `2 lakhs Per `25/- per transaction
Transaction Charges (applicable only to account donot maintain AQB as mentioned)
`2 lakh to `5 lakhs Per `25/- per transaction
All Branches Charges
Above `5 lakhs Per `50/- per transaction
3 Branches transaction per quarter Nil
b) Outward NEFT
Beyond 3 Branch transaction per quarter `100/- per transaction
Upto `1 lakhs Per `5/- per transaction
Cheque book charges `5/- per cheque leaf
`1 lakh to `2 lakhs Per `15/- per transaction
** For specific Tie-ups
Above `2 lakhs Per `25/- per transaction
Note: The period considered for calculation of quarterly charges w.e.f. June 2009 is
c) Inward RTGS/NEFT Nil
15th of last month of previous to the 14th of the last month of the current quarter.
* InterCity means other than the centre where your branch is located
For eg. For quarter ended September 09, AQB & quarterly charges would be
** IntraCity means within the centre in which your branch is located

1 2
Particulars
Speed Clearing Charges
Demat Account
1st year Annual Maintenance Charges (AMC) Nil
(Except for SBFRL / SBSML)
Outstation Cheques:
1. Collection of Outstation Cheques
a) Upto `5,000/-
b) `5,001/- to `10,000/-
c) `10,001/- to `1,00,000/-
d) `1,00,001/- and above
Cheque Return Charges:
a) Inward Clearing
I Per instrument
b) Outward clearing cheque return
c) ECS Debit Return Charges
Other Account Related Charges:
Category
1. Cheque Book Charges:
a) Saving Account up to
20 Leaves per quarter
b) Savings Account above
1 cheque book per quarter
(Applicable to SBSMT,
SBEZY and SBSAL)
c) Student/Demat Account
2. Stop Payment Instructions
3. Account Services (at branches)
a) Signature Verification
b) Address Confirmation
c) Photograph Verification
4. Closure of Account:
a) If closed within 6 months
b) If closed after 6 months
Pay Order Charges
Category
1. Upto `50,000/-
2. Above `50,000/-
Demand Draft
1. Drawn on Axis Bank Centres
2. Drawn on other Centres
Range of instrument amount Savings Account Debit Card Charges
Upto `1,00,000/- Nil Category Charges
`1,00,001/- & above `150/- (Metro/Urban) (Semi Urban/ (Titanium
Rural) Rewards Card)
1. Issuance Fess `95/- `95/- `500/-
2. Annual Fees `100/- `50/- `300/-
3. Card Replacement `100/- `100/- `150/-
Charges
`25/- per instrument 4. Duplicate Pin `50/- `50/- `50/-
`50/- per instrument Catagory Charges
`100/- per instrument (Debit Card) (Titanium Rewards Card)
`200/- per instrument 5. Transaction Charges
a) At Axis Bank ATMs Nil Nil
b) At VISA/Master Card
`350/- Enabled ATMs of
`100/- per instrument Other Banks
`200/- per return IN India
i) Cash Withdrawal 1st five ATM transactions Free
Charges per calendar month at
other Bank ATMs Free;
Free 6th transaction onwards
`20/- per transaction
`50/- (inclusive of service tax).
ii) Balance Inquiry Nil Nil
Outside India
i) Cash withdrawal `125/- `125/-
`50/- per Cheque Book ii) Balance Inquiry `25/- `25/-
`100/- per instrument iii) Cross Currency 3% Cross Currency 3% Cross Currency
`200/- for a series Markup Markup Markup
of instrument (beyond 3 cheque) d) Surcharge
At Petrol Pumps 2.5% of the sale Nil
`25/- Amount (Min. `10/-)
`50/- Railway Ticket 2.5% of the sale 2.5% of the sale
`50/- Booking amount (Min. `10/-) + amount (Min. `10/-) +
`30/- Per Transaction `30/- Per Transaction
`100/-
Nil Note: Axis Bank reserve the right to revise the charge at its own discretion
NetSecure Charges:
Charges Free
NetSecure with SMS/WebPin
`50/-
NetSecure with 1-Touch `800/- Plus
`2.50/- `1,000/- or part thereof
(Issuance charges)
(Min. `80/- and Max. `5,000/-)
`500/- Plus taxes
(Replacement charges)
`2.50/- `1,000/- or part thereof
(Min `50/- and Max. `1000/-) Disclaimers for Salary Account holders
Ÿ Axis Bank Salary Account is a special account offered to the customers with regular salary credits coming into this
`2.50/- `1,000/- (Min `50/-) + account. In case, the monthly salary is not credited into the account for more than 3 consecutive months, the special
features offered under Salary Power account shall stand withdrawn and the account shall be treated as Normal Savings
Other Bank charges as applicable Account under our standard charge structure and all charges shall be levied and applied as applicable to normal savings
account
Ÿ Availed salary offerings are subject to change in future at the Bank's discretion.
For more details on Salary Account applicable to you as per your eligibility/approval by employer, write to us at
salary.assist@axisbank.com
For more details on Salary Account Fees & Charges, please visit http://www.axisbank.com
3 4
SAVINGS ACCOUNT (Domestic) a)
11TH CASH TRANSACTION ONWARDS
Charges `2.50/- per 1,000 `2.50/- per 1,000
or `95/- per transaction or `95/- per transaction
Schemes: SBPRM – Prime Savings Account whichever higher, on the whichever higher, on the
full amount full amount
II. Inter-Bank Real Time Fund-Transfer
Average Quarterly Balance (AQB) Requirement a) Outward RTGS
Metro/Urban Centres `25,000/- `1 lakh to `2 lakhs `25/- per transaction
Semi-Urban/Rural Centres `10,000/- `2 lakh to `5 lakhs `25/- per transaction
Client with Term Deposit Relationship Rs 1 lakh for a minimum period of Above `5 lakhs `50/- per transaction
(with SB Account) 6 mths b) Outward NEFT Charges
Charges for Non-Maintainance of AQB Upto `1 lakh `5/- per transaction
Metro/Urban Centres `750/- per quarter (If AQB is between `1 lakh to `2 lakhs `15/- per transaction
`10,000/- - `25,000/-) Above `2 lakhs `25/- per transaction
`1000/- per quarter (If AQB is less c) Inward RTGS/NEFT Nil
than `10,000/-) Particulars Range of instrument amount Savings Account
Semi-Urban/Rural Centres `500/- per quarter (If AQB is between Speed Clearing Charges Upto `1,00,000/- Nil
`5,000/- - `10,000/-) `1,00,001/- & above `150/-
`750/- per quarter (If AQB is less than Free passbook on request
`5,000/-) Demat Account
No AQB charges in case Rs 1 Lac TD 1st year Annual Maintenance Charges (AMC) Nil
criterion met
Axis Direct online trading Account
Transaction Charges (applicable only to accounts that do not maintain AQB as above)
Account opening charges `850/-
Per Quarter Charges
Cash Back* `400/-
3 branch transactions per quarter Nil
*Brokerage of `400/- to be generated within 2 months from the date of account opened
Beyond 3 branch transactions per quarter `100/- per transaction
Outstation Cheques:
Cheque book charges `5/- per leaf
1. Collection of Outstation Cheques Charges
NOTE: The Period considered for calculation of quarterly charges w.e.f June 2009 is
a) Upto `5,000/- `25/- per instrument
15th of last month of previous quarter to the 14th of the last month of the current
quarter. b) `5,001/- to `10,000/- `50/- per instrument
Anywhere Banking Charges c) `10,001/- to `1,00,000/- `100/- per instrument
Particulars Limits/Charges (`) d) `1,00,001/- and above `200/- per instrument
I Cash Charges Home Branch Non Home Banch Cheque Return Charges:
(Both Deposits & a) Inward clearing
Withdrawal in month) # I.Per instrument `350/-
I Metro/Urban branches: b)Outward cheque clearing `100/- per instrument
UPTO 5 CASH TRANSACTIONS ECS Debit Return Charges: `200/- per instrument
a) Amount of Deposits / No Limit `50,000/- per Other Account Related Charges:
Withdrawal day free Category Charges
b) Charges Not Applicable Above `50,000/- 1. Chequebook Charges:
`2.50/- per 1,000 a) Up to 1 Chequebook per quarter Free
or `95/- per transaction b) Above 1 Chequebook per quarter `50/-
whichever is higher 2. Stop Payment Instructions `100/- per instrument
6TH CASH TRANSACTION ONWARDS `200/- for a series of instruments
a) Charges `2.50/- per 1,000 `2.50/- per 1,000 (beyond three cheques)
or `95/- per or `95/- per 3. Account Services: (at branches)
transaction whichever transaction whichever a) Signature verification `25/-
higher, on the higher, on the b) Address confirmation `50/-
full amount full amount c) Photograph verification `50/-
ii Semi Urban/Rural branches: 4. Closure of Accounts:
UPTO 10 CASH TRANSACTIONS a) If Closed within 6 months `100/-
a) Amount of Deposits / No Limit `50,000/- per b) If Closed after 6 months NIL
Withdrawal day free 5. Pay order / Demand Draft Charges* 2 DDs/POs free per month at Axis Bank
Locations (irrespective of value) & a charge
b) Charges Not Applicable Above `50,000/-
of `50 thereafter
`2.50/- per 1,000
6. Axis Direct: `400 refunded on account opening
or `95/- per transaction charges if brokerage of `400 is generated
whichever is higher in the first 2 months of account opening

5 6

7. Locker Tariff:
*This charge will be w.e.f. 1st December 2010. The charge for the month of
December 2010 will be debited at the end of January 2011, i.e. the charges for a
particular month will be debited at the end of the subsequent month.
Debit Card Charges
Category
Photo
Issuance fees
Annual fees
Card Replacement Charges
Duplicate PIN
Transaction Charges
a) At the Axis Bank ATMs
b) At the VISA/Master Card
enabled ATMs of other Banks
In India
I) Cash withdrawal
ii) Balance Inquiry
Outside India
i) Cash withdrawal
ii) Balance Inquiry
iii) Cross Currency Markup 3% of transactions
c) Surcharge
At Petrol Pumps
For Railway Ticket Booking
ATM Withdrawal Limit (per day) `50,000/-
POS Limit (per day)
Lost Card Liability Limit
PA Insurance Cover
Lounge Access
Reward points
(every `100 spent)
* Subject to one successful POS transaction in the 90 days preceding the date of incident
NetSecure Charges
NetSecure with SMS/Web Pin
NetSecure with 1-Touch
SAVINGS BANK- RULES & REGULATIONS
25% off in 1st year rent (subject to
availability of lockers) 1. The Savings Bank Account should be used to route transactions of only non-
business/non-commercial nature. In the event of occurrence of such transactions
or any other such transactions that may be construed as dubious or undesirable,
the Bank reserves the right to unilaterally freeze operations in such accounts.
2. Interest on the savings bank deposit is calculated at a rate fixed by RBI. The
Charges present rate is 4% and RBI has revised the method of application. With effect from
Titanium Prime Titanium Rewards Cards 01.04.2010, interest shall be paid on daily product method on quarterly basis.
No -
3. The balance in the account must adhere to the minimum quarterly average
Primary: FREE `500/-
balance stipulation laid down by the Bank and communicated to you at the time of
Joint: Rs 100
opening of the account. Non-maintenance of this quarterly average balance will
`150 (Waived on POS `300/-
transaction of `50,000
attract applicable penalty on a quarterly basis and on a date determined by the
p.a./ 10 POS transactions Bank.
of any value in year) 4. If there are no transactions in the account for a period of two years, the account will
`100/- `150/- be treated as an inoperative account. The customer should thus transact on the
`50/- `50/- account periodically, so that it does not become inoperative. In case there are no
customer induced debit, credit and/or third party transactions in the account, it
Nil Nil may be classified as inoperative. The service charges levied by the Bank and/or
interest credited by the Bank would not be considered as customer induced
transactions.
5. The Bank reserves the right to close the accounts in case of cither of the following.
`20/- above 10 Nil
1) In the account balance being zero for more than 6 months since the date of
transactions per month
account opening; or 2) If the balance in the account has become zero and remains
(inclusive of service tax)
so for 6 months. However, before taking steps for closing the account, Bank shall
Nil Nil
give appropriate notice and account holders are entitled to give their reply and
rectify.
`125/- `125/-
`25/- `25/- 6. Satisfactory conduct of the account entails maintaining stipulated minimum
3% of transactions quarterly average balance as well as sufficient balance to honour cheques issued
amount amount to third parties. If there are high incidences to the contrary, the Bank reserves the
right to close the account under intimation to the customer.
2.5% of the sale Nil 7. Any special instructions, both financial and non-financial in nature, like standing
Amount (Min. `10/-)
instructions, stop payment instructions, issuance of cheque books, Demand
2.5% of the sale 2.5% of the sale
Drafts, pay Orders, requests for hot carding ATM/DEBIT Cards, Issuance of
Amount (Min. `10/-) Amount (Min. `10/-)
duplicate card/ PIN must be communicated in writing and/or via valid Internet
+ `30/- per transaction + `30/- per transaction
Banking User ID (wherever such an option is available subject to terms and
-
conditions applicable for such facility), otherwise it shall not be binding on the
`50,000/- -
Bank to comply with such instructions.
`50,000/- -
`3 lakhs * - 8. The Savings Bank Account entitles free access to Axis Bank ATMs, Internet
Yes - banking and Tele banking unless otherwise stated.
Nil - 9. Availing of the Anywhere Banking facility and the At Par Cheque facility is
contingent upon the limits and service charges stipulated for these facilities.
10. Any change of address should be immediately communicated in writing to the
Bank.
11. Opening of the Saving Account tantamount to deemed acceptance of the aforesaid
Free rule & regulations as well as the fact of being informed about the various service
charges being levied by the Bank and the terms and conditions guiding related
`800/- plus taxes
products and services.
(Issuance charges)
`500/- plus taxes
(Replacement charges)
7 8