Verified Bank Tariff
DCB Bank Limited Charges & Fees
Complete official Schedule of Charges for DCB Bank Limited. Every fee entry is backed by verified citations, 18% GST treatment, waiver conditions, and RBI dispute rights.
How much is DCB 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.
Verified Fee Categories for DCB Bank Limited
DCB Bank Limited
Cheque charges
Basic Savings Bank Deposit Account (BSBDA) · Branch
₹0 (Free)
Trigger Condition
DCB BSBDA only; limited to the explicitly stated free cheque book of 25 leaves per year. No beyond-allowance fee is inferred.
Verified on 2026-08-15
DCB Bank Limited
Minimum balance charges
Basic Savings Bank Deposit Account (BSBDA) · General
₹0 (Free)
Trigger Condition
DCB Basic Savings Bank Deposit Account only.
Verified on 2026-08-15
DCB Bank Limited
NEFT charges
DCB NRE Classic Savings Account · Other
₹0 (Free)
Trigger Condition
DCB Bank NRE Classic Savings Account only; NEFT initiated through DCB Internet Banking or Mobile Banking. The current official page also states RTGS is free, but this rule models NEFT only. No branch-channel waiver or effective date is inferred.
Verified on 2026-08-15
What DCB Bank Limited prints on your statement
3 narrations decoded against DCB Bank Limited's own schedule of charges — the plain-English and Hinglish meaning, the exact amount including GST, and how to avoid it.
CHQ BOOK CHGA charge for cheque leaves issued beyond the free allowance for the year.
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.
Disputing a Wrongful Charge at DCB Bank Limited
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 DCB 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 DCB 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 (DCB Bank Limited)
What is the minimum balance (AMB) requirement in DCB Bank Limited?
In DCB 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 DCB Bank Limited?
Debit card maintenance charges at DCB Bank Limited are billed annually based on card variant plus 18% GST.
Can DCB 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), DCB 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 DCB Bank Limited?
To dispute a wrongful deduction at DCB 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 DCB 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).