Every hidden fee. In one place.
Banks bury service charges in 30-page PDFs that 99% of customers never open. We extract, normalise, and compare — so you see exactly what HDFC charges for IMPS vs what SBI charges, side-by-side, sourced directly from each bank’s official Schedule of Charges.
Most-asked: ATM · IMPS · NEFT · Cheque bounce
Side-by-side across the 0 major banks in our database. Lower-charge banks ranked first per category.
ATM
| Bank | Service | Charge |
|---|
IMPS
| Bank | Service | Charge |
|---|
NEFT
| Bank | Service | Charge |
|---|
Cheque
| Bank | Service | Charge |
|---|
Browse by bank
Why bank charges matter
The average urban Indian salary account holder pays ₹3,000-₹8,000 a year in service charges — most of which are completely avoidable by either: (a) switching to a zero-fee bank (IDFC FIRST charges nothing on IMPS / NEFT / ATM / debit-card AMC); (b) hitting the right balance threshold to waive AMB charges; (c) staying within the free transaction limits (most banks: 5 free other-bank ATM uses per month for non-metro).
RBI’s Fair Practices Code mandates every bank publishes a Schedule of Charges. They’re always on the bank’s website but typically as multi-page PDFs with inconsistent terminology. We normalise across the 8 biggest Indian banks so cross-comparison takes seconds, not hours.
What this database covers (v1)
- 0 banks: HDFC, SBI, ICICI, Axis, Kotak, IDFC FIRST, Yes, PNB
- 10 service categories: Account Maintenance, ATM, IMPS, NEFT, Cheque, Debit Card, SMS Alerts, Demand Draft, more added each quarter
- Direct source linksto each bank’s official Schedule of Charges page — verify anytime
- Quarterly refresh via cron (next update July 2026)
What’s NOT here (yet)
- Forex / international transaction fees (deferred — niche)
- Credit-card charges (covered separately under /credit-cards)
- Loan processing / pre-payment fees (covered under /loans)
- Locker rentals (highly location-dependent — not easy to normalise)
- Wealth-management / private-banking premium-tier charges (institutional, not retail)
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Regulated by Reserve Bank of India.
Savings, current, and recurring-deposit accounts are offered by scheduled commercial banks regulated by the Reserve Bank of India. Deposit insurance up to ₹5 lakh per depositor per bank is provided by DICGC. Interest rates, minimum balance, and fees are bank-determined and may change without notice.
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