Verified Bank Tariff
Bandhan Bank Limited Charges & Fees
- Charges verified
- 6
- 6 checked rules · 5 fee categories · 1 account variant
Complete official Schedule of Charges for Bandhan Bank Limited. Every fee entry is backed by verified citations, 18% GST treatment, waiver conditions, and RBI dispute rights.
At a glance
Bandhan Bank Limited’s own figures, before GST. Tap a figure for its source.
- SMS alerts
Not verified yet
No official figure checked for this bank.
- Demand draft
Not verified yet
No official figure checked for this bank.
- RTGS
Bank’s figure
Free
- IMPS
Bank’s figure
Free
- NEFT
Bank’s figure
Free
- Minimum balance
Bank’s figure
Free
- Cheque return
Not verified yet
No official figure checked for this bank.
- Locker rent
Not verified yet
No official figure checked for this bank.
Verified Fee Categories for Bandhan Bank Limited
Debit card charges1 checked entry
Government Salary Account · Other
₹0 (Free)
Trigger Condition
Bandhan Bank Government Salary Account only; employer corporate arrangement and account eligibility remain applicable.
Verified on 2026-08-15
IMPS charges1 checked entry
Government Salary Account · Other
₹0 (Free)
Trigger Condition
Bandhan Bank Government Salary Account only. The source lists IMPS among free fund transfers but does not split the channel.
Verified on 2026-08-15
Minimum balance charges1 checked entry
Government Salary Account · General
₹0 (Free)
Trigger Condition
Bandhan Bank Government Salary Account only. Product eligibility is limited to government employees whose employer has a corporate arrangement with the Bank.
Verified on 2026-08-15
NEFT charges2 checked entries
Government Salary Account · Branch
₹0 (Free)
Trigger Condition
Bandhan Bank Government Salary Account only; branch NEFT is explicitly included in the product's free fund-transfer list.
Verified on 2026-08-15
Government Salary Account · Other
₹0 (Free)
Trigger Condition
Bandhan Bank Government Salary Account only. 'Other' groups the two source-named digital channels: Internet Banking and mBandhan 2.0.
Verified on 2026-08-15
RTGS charges1 checked entry
Government Salary Account · Other
₹0 (Free)
Trigger Condition
Bandhan Bank Government Salary Account only. The source lists RTGS among free fund transfers but does not split the channel, so no narrower channel is invented.
Verified on 2026-08-15
What Bandhan Bank Limited prints on your statementStatement narrations · 5 decoded
5 narrations decoded against Bandhan Bank Limited's own schedule of charges — the plain-English and Hinglish meaning, the exact amount including GST, and how to avoid it.
DEBIT CARD FEEA one-time fee charged when a debit card is issued to you.
IMPS CHGA charge on an IMPS instant transfer.
MIN BAL CHGA penalty for not keeping the required average balance in your account for the month or quarter.
NEFT CHGA charge on an outward NEFT transfer. Under RBI rules NEFT sent through internet or mobile banking on a savings account carries no charge.
RTGS CHGA charge on an outward RTGS transfer. RTGS is used for amounts of Rs 2 lakh and above.
Annual Account Leakage AuditHow much is Bandhan Bank Limited quietly deducting every year?
How much is Bandhan Bank Limited quietly deducting from your account every year?
Run our 60-second audit to total the charges we can trace to published tariff documents.
Official Bandhan Bank Limited tariff documentsThe bank’s own Schedule of Charges and website
Disputing a Wrongful Charge at Bandhan Bank LimitedDispute & Refund Assistance · RBI three-level route
Under Reserve Bank of India (RBI) consumer protection directives, account holders have statutory rights to claim refunds for unauthorized debits, failed ATM transactions, or penalties debited without prior notification.
Branch / Helpdesk Ticket
Email Bandhan Bank Limited customer service quoting the transaction ID and account details. TAT: 7 working days.
Principal Nodal Officer
If unresolved within 7 days, escalate to Bandhan Bank Limited's Principal Nodal Officer (PNO). TAT: 14–30 days.
RBI Banking Ombudsman
Lodge a statutory complaint on the RBI CMS Portal (cms.rbi.org.in) if rejected or delayed past 30 days.
Need a pre-filled grievance email draft for AMB penalties or debit card AMC?
Open Dispute Letter GeneratorFrequently Asked Questions (Bandhan Bank Limited)4 questions
What is the minimum balance (AMB) requirement in Bandhan Bank Limited?
In Bandhan Bank Limited, the minimum average balance (AMB/MAB) varies by account tier and branch location. Regular savings accounts in metros typically require maintaining the published threshold, while salary accounts and BSBDA zero-balance accounts have ₹0 AMB requirements.
What are the debit card annual maintenance charges (AMC) for Bandhan Bank Limited?
Annual debit card charges at Bandhan Bank Limited depend on the issued card variant (Classic, Platinum, Millennia, or Signature) plus 18% GST. Customers can also request basic RuPay Classic cards which feature nil or minimal AMC under RBI financial inclusion norms.
Can Bandhan Bank Limited deduct minimum balance penal charges without sending an SMS?
No. Under RBI Master Direction (DBOD.No.Leg.BC.21/09.07.006/2015-16), Bandhan Bank Limited is legally mandated to notify the customer via SMS or email giving them a 30-day notice window to restore their balance before any penalty can be debited. If debited without prior notification, you are entitled to a full reversal.
How do I dispute a wrongful fee or charge deducted by Bandhan Bank Limited?
To dispute a wrongful deduction at Bandhan Bank Limited: (1) Send an email to the Branch Manager / Customer Service citing the relevant RBI circular and transaction ID. (2) If unresolved within 7 days, escalate to Bandhan Bank Limited's Principal Nodal Officer (PNO). (3) If unresolved after 30 days, lodge a complaint with the RBI Banking Ombudsman via the CMS portal (cms.rbi.org.in).