ABHI SAVINGS

ACCOUNT
Minimum Average Monthly Balance (AMB) requirement NIL
AMB non-maintenance charges per month NIL

PARAMETERS ABHI SAVINGS ACCOUNT*

PACKAGE ELIGIBILITY
Average Half Yearly Balance ( AHB ) NA
Or Fixed Deposit ( FD ) NA
RuPay Domes c Classic Debit Card
Debit Card Type
(virtual card )
FREQUENT TRANSACTIONS

Debit Card Annual Fee Virtual Debit Card : FREE

Issuance of Account Statement Free Monthly Email Statement

Passbook Issuance NA

Free up to INR 50,000 p.m.,

Cash Deposit - All Branches
INR 4 per INR 1,000 post free limit (min. INR 50)

Cash Withdrawal - All Branches NA

RTGS Payment - Branch NA
RTGS Payment - Net Banking/Mobile Banking Free
NEFT Payment - Branch NA
NEFT Payment - Net Banking/Mobile Banking Free
Payable at Par Cheque Usage NA
Cheque Return - Local Clearing NA
PAYMENT SERVICES
Intra-Bank Fund Transfer - Branch Free
Intra-Bank Fund Transfer - Net Banking/Mobile Banking Free
IMPS - Net Banking/Mobile Banking Free
DD Payable at Bank Loca ons 10 per month Free, INR 50 therea er
DD Payable at Bank Loca ons - Net Banking/Mobile Banking Free (Courier Charge of INR 20)

DD Payable at Correspondent bank Loca ons 2 per month Free, INR 2.5 / INR 1,000 therea er (Min INR 50, Max INR 5,000)

ATM TRANSACTIONS IN INDIA

ATM decline due to insufficient funds NA
COLLECTION SERVICES
Intra-Bank Fund Transfer Collec on FREE
RTGS Collec on FREE
NEFT Collec on FREE
IMPS Inward FREE
Cheque Collec on - Local Clearing FREE
Outsta on cheque collec on- bank loca on NA
Outsta on cheque collec on- Correspondent bank loca on NA
Outsta on cheque collec on- other loca on NA
DEBIT-cum-ATM CARD (virtual and/or physical card)
ATM Transac ons - Outside India NA
PIN Regenera on (sent through courier) INR 50 / instance
Charge slip retrieval INR 250 / instance
Cross Currency Mark-up NA
 DOORSTEP BANKING SERVICES^
Pick-up or Delivery of Instruments NA
Cash Pick-up/Delivery NA
MISCELLANEOUS SERVICES
Cheque Return - Insufficient Funds NA
ECS / NACH Return - Insufficient Funds INR 200 per return
Dormancy Ac va on NA

SMS Alerts* 30 ps. per SMS charge Max cap at INR 15/quarter (only non-mandatory SMS)

U lity Bill payment - Net Banking/Mobile Banking FREE

Issuance of Payable at par Cheque Book NA
ACCOUNT CLOSURE CHARGES
Within 21 days FREE
A er 21 days to 1 year INR 100
A er 1 year NA (as this is a one year validity account)
BASIC BANKING SERVICES
Account Opening Charges FREE
Mobile Banking Registra on FREE
Phone Banking Registra on FREE
Net Banking Registra on FREE
Nomina on Facility FREE
Any Branch Banking FREE
Monthly Statement by post NA
Issuance of adhoc account statement (at branch) INR 10 per instance
Issuance of adhoc account statement (sent through courier) INR 20 + INR 20 (courier charges)
Issuance of Duplicate Passbook NA
Standing Instruc on maintenance - Branch FREE
Standing Instruc on maintenance - Net Banking FREE
ECS Instruc on FREE
Balance Inquiry - Branch FREE
Balance Inquiry - Mobile Banking FREE
Balance Inquiry - Net Banking FREE
Replacement of Debit Card, if received in damaged condi on FREE
E-commerce payment - Net Banking FREE
Stop Payment of Cheques- Branch NA
Stop Payment of Cheques - Net Banking NA
Stop Payment of Cheques - Mobile Banking NA
Cancella on of DD payable at Bank Loca on FREE
Cancella on of DD payable at Other Loca on INR 50 / instruc on
DD Revalida on FREE
Banker's Verifica on (Signature/Address/Photograph) FREE
Retrieval of Cheque / Instruc on NA

Terms and Conditions:

Ÿ Charges mentioned are exclusive of GST. The applicable taxes/cess are subject to change from time to time.
Ÿ *Aggregate of all credit should not exceed 2 Lakh in a year and account balance at any point should not exceed 1 Lakh. Customer can transfer a maximum amount of 100,000
through online transfers. Customer won't be allowed to transfer funds through branch before the account is converted to Full KYC account
Ÿ As per RBI guidelines, Business/Commercial transactions are not permitted in the Savings Account
Ÿ The above charges are subject to revision with a prior intimation of 30 days to all account holders. Closure of account due to revision of charges will not be subject to account
closure charges
Ÿ Penal Charges and non-maintenance charges are not applicable once the account becomes inoperative/dorman
Ÿ *Charge will be applicable on quarterly basis for customers who have subscribed for SMS alert facility. Alerts that have been mandated by RBI as well as alerts which are deemed
appropriate by the Bank, will be sent free of charge.
Ÿ You can transfer funds online via NEFT and IMPS. UPI facility is disabled for AU ABHI Account by default. To enable this facility, please visit nearest branch to convert your account
to a Full KYC Account. Alternatively, use our Video Banking facility for servicing the request
Ÿ Abbreviations / short-forms used : 'AUSFB' - AU Small Finance Bank Ltd., 'INR'- Indian Rupee, 'txn' - transaction, 'p.m' - per month, '<' - less than, '>' - greater than, 'min' - minimum,
'max' - maximum, 'ATM' - Automatic Teller Machine, 'RTGS' - Real Time Gross Settlement, 'NEFT' - National Electronic Fund Transfer, 'PAP' - Payable at par, 'DD' - Demand Draft,
'ECS' - Electronic Clearing System, 'SMS' - Short Message Servic
Ÿ Accounts not having a ‘customer induced transaction’ (ATM withdrawal, cheque deposit, online transaction etc.) for a continued period of 2 years shall be treated as Dormant/
Inoperative Account. The service charges levied by the bank or interest credited by the bank shall not be considered as a ‘customer-induced transaction’.
Ÿ The terms and conditions, as defined by AU Small Finance Bank, apply. Please refer www.aubank.in for further details.
Ÿ This Schedule of Charges document is effective 1st December 2021 and is applicable until further modified.