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 8 major banks in our database. Lower-charge banks ranked first per category.
ATM
| Bank | Service | Charge |
|---|---|---|
| IDFC FIRST Bank | Own + other-bank ATM withdrawal | Free |
| HDFC Bank | Own-bank ATM cash withdrawal | Free |
| Kotak Mahindra Bank | Own-bank ATM cash withdrawal | Free |
| State Bank of India | Own-bank ATM cash withdrawal | Free |
| Punjab National Bank | Own-bank ATM cash withdrawal | Free |
| ICICI Bank | Own-bank ATM cash withdrawal | Free |
| Yes Bank | Own-bank ATM cash withdrawal | Free |
| Axis Bank | Own-bank ATM cash withdrawal | Free |
| HDFC Bank | Other-bank ATM non-financial enquiry beyond free limit | ₹9 + GST |
| Punjab National Bank | Other-bank ATM beyond free limit | ₹17 + GST |
| State Bank of India | Other-bank ATM withdrawal beyond free limit | ₹20 + GST |
| Kotak Mahindra Bank | Other-bank ATM beyond free limit | ₹21 + GST |
| Axis Bank | Other-bank ATM withdrawal beyond free limit | ₹21 + GST |
| ICICI Bank | Other-bank ATM withdrawal beyond free limit | ₹21 + GST |
| Yes Bank | Other-bank ATM beyond free limit | ₹21 + GST |
| HDFC Bank | Other-bank ATM withdrawal beyond free limit | ₹23 + GST per transaction |
IMPS
| Bank | Service | Charge |
|---|---|---|
| IDFC FIRST Bank | IMPS all amounts | Free |
| Axis Bank | IMPS up to ₹1,000 | ₹2.50 + GST |
| HDFC Bank | IMPS transfer up to ₹1,000 | ₹3.50 + GST |
| Punjab National Bank | IMPS up to ₹1L | ₹5 + GST |
| Kotak Mahindra Bank | IMPS up to ₹1L | ₹5 + GST |
| HDFC Bank | IMPS transfer ₹1,001-₹1L | ₹5 + GST |
| Yes Bank | IMPS up to ₹1L | ₹5 + GST |
| State Bank of India | IMPS transfer up to ₹1L | ₹5 + GST |
| ICICI Bank | IMPS transfer up to ₹1L | ₹5 + GST |
| Axis Bank | IMPS ₹1,001-₹1L | ₹5 + GST |
| Axis Bank | IMPS ₹1L-₹5L | ₹10 + GST |
| State Bank of India | IMPS transfer ₹1L-₹5L | ₹15 + GST |
| ICICI Bank | IMPS transfer ₹1L-₹5L | ₹15 + GST |
| HDFC Bank | IMPS transfer ₹1L-₹5L | ₹15 + GST |
NEFT
| Bank | Service | Charge |
|---|---|---|
| Punjab National Bank | NEFT via internet banking | Free |
| Yes Bank | NEFT via internet banking | Free |
| HDFC Bank | NEFT transfer via NetBanking | Free |
| State Bank of India | NEFT via NetBanking/YONO | Free |
| ICICI Bank | NEFT via internet banking | Free |
| Axis Bank | NEFT via internet banking | Free |
| Kotak Mahindra Bank | NEFT via internet banking | Free |
| IDFC FIRST Bank | NEFT all amounts | Free |
| State Bank of India | NEFT at branch (up to ₹10K) | ₹2.50 + GST |
| HDFC Bank | NEFT transfer at branch | ₹2.50-25 + GST |
Cheque
| Bank | Service | Charge |
|---|---|---|
| State Bank of India | Cheque bounce (technical reasons) | ₹150 + GST |
| Punjab National Bank | Cheque bounce (insufficient funds) | ₹300 + GST |
| HDFC Bank | Cheque bounce (inward — fund not credited to you) | ₹350 + GST |
| IDFC FIRST Bank | Cheque bounce | ₹350 + GST |
| ICICI Bank | Cheque bounce (insufficient funds) | ₹500 + GST |
| Axis Bank | Cheque bounce (financial) | ₹500 + GST |
| Kotak Mahindra Bank | Cheque bounce | ₹500 + GST |
| Yes Bank | Cheque bounce | ₹500 + GST |
| State Bank of India | Cheque bounce (financial reasons) | ₹500 + GST |
| HDFC Bank | Cheque bounce (outward — your cheque returned) | ₹550 + GST |
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)
- 8 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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