Verified Bank Tariff
State Bank of India Charges & Fees
- Charges verified
- 17
- 17 checked rules · 11 fee categories · 3 account variants
Complete official Schedule of Charges for State Bank of India. Every fee entry is backed by verified citations, 18% GST treatment, waiver conditions, and RBI dispute rights.
At a glance
State Bank of India’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
Top rate · from ₹25
Mid vs 12 banks
- RTGS
Top rate · from ₹0
Low vs 22 banks
- IMPSState Bank of India changed this page on 5 October 2026; this figure hasn't been re-confirmed since. Check the official page ↗
Top rate · from ₹0
High vs 20 banks
- NEFTState Bank of India changed this page on 15 October 2026; this figure hasn't been re-confirmed since. Check the official page ↗
Top rate · from ₹0
Mid vs 30 banks
- Minimum balanceState Bank of India changed this page on 5 October 2026; this figure hasn't been re-confirmed since. Check the official page ↗
Bank’s figure
Free
- Cheque return
State Bank of India, Cheque return
From SBI — Service Charges Updated as on 30 September 2025
Verified
Bank’s figure
Low vs 7 banks
- Locker rent
Top rate · from ₹1,500
High vs 9 banks
Verified Fee Categories for State Bank of India
Account closure charges1 checked entry
Basic Savings Bank Deposit Account (BSBDA) · Branch
₹0 (Free)
Trigger Condition
SBI BSBDA Branch Channel only.
Verified on 2026-08-15
Other bank charges1 checked entry
Savings Bank Accounts — Service Charge Portfolio · General
₹0 (Free)
Trigger Condition
Applies to all individual SBI Regular Savings Accounts and Basic Savings Bank Deposit (BSBD) accounts.
Verified on 2026-08-25 · Effective: 2020-03-11
Cheque charges2 checked entries
Basic Savings Bank Deposit Account (BSBDA) · Branch
₹0 (Free)
Trigger Condition
SBI BSBDA Branch Channel only; limited to the explicit 25-leaf annual free cheque-book entitlement. No beyond-allowance amount is inferred.
Verified on 2026-08-15
Retail Banking Service Charges · Cheque
₹500.00
Trigger Condition
SBI personal-banking and transaction-banking customers; cheque drawn on SBI and returned for insufficient funds. Technical-return and SME schedules are separate.
Verified on 2026-09-17
Debit card charges2 checked entries
Basic Savings Bank Deposit Account (BSBDA) · Other
₹0 (Free)
Trigger Condition
SBI BSBDA Branch Channel eligible customers only.
Verified on 2026-08-15
Basic Savings Bank Deposit Account (BSBDA) · Other
₹0 (Free)
Trigger Condition
SBI BSBDA Branch Channel eligible customers only.
Verified on 2026-08-15
Demand Draft charges3 checked entries
Retail Banking Service Charges · Branch
Up to Rs5,000: ₹25.00 · Above Rs5,000 up to Rs10,000: ₹50.00
Trigger Condition
All SBI customers, including online requests, for DD/Banker's Cheque amounts up to Rs10,000. Figures include GST.
Verified on 2026-09-17
Retail Banking Service Charges · Branch
Above ₹1,00,000.00: ₹4.00 per ₹1,000.00 (minimum ₹600.00, maximum ₹2,000.00)
Trigger Condition
All SBI customers, DD/Banker's Cheque amounts above Rs1,00,000. Figures include GST.
Verified on 2026-09-17
Retail Banking Service Charges · Branch
₹10,001.00 to ₹1,00,000.00: ₹5.00 per ₹1,000.00 (minimum ₹60.00)
Trigger Condition
All SBI customers, DD/Banker's Cheque amounts above Rs10,000 up to Rs1,00,000. Figures include GST.
Verified on 2026-09-17
ECS / NACH return charges1 checked entry
Retail Banking Service Charges · General
₹250.00
Trigger Condition
Failed SBI National Automated Clearing House mandate, including e-mandate.
Verified on 2026-09-17
IMPS charges1 checked entry
Retail Banking Service Charges · General
Online — Up to Rs25,000: ₹0.00 · Online — Above Rs25,000 up to Rs1 lakh: ₹2.00 · Online — Above Rs1 lakh up to Rs2 lakh: ₹6.00 · Online — Above Rs2 lakh up to Rs5 lakh: ₹10.00 · Branch — Up to Rs1,000: ₹0.00 · Branch — Above Rs1,000 up to Rs10,000: ₹2.00 · Branch — Above Rs10,000 up to Rs1 lakh: ₹4.00 · Branch — Above Rs1 lakh up to Rs2 lakh: ₹12.00 · Branch — Above Rs2 lakh up to Rs5 lakh: ₹20.00
Trigger Condition
SBI retail customers from 15-Feb-2026. Listed salary-package accounts are waived and are not represented by this regular retail rule.
Verified on 2026-09-17 · Effective: 2026-02-15
Locker charges1 checked entry
Retail Banking Service Charges · Branch
Small — Metro and Urban: ₹2,000.00 · Small — Semi-Urban and Rural: ₹1,500.00 · Medium — Metro and Urban: ₹4,000.00 · Medium — Semi-Urban and Rural: ₹3,000.00 · Large — Metro and Urban: ₹8,000.00 · Large — Semi-Urban and Rural: ₹6,000.00 · Extra Large — Metro and Urban: ₹12,000.00 · Extra Large — Semi-Urban and Rural: ₹9,000.00
Trigger Condition
SBI safe-deposit lockers; annual rent before account-package and inconvenient-position concessions.
Verified on 2026-09-17
Minimum balance charges2 checked entries
Basic Savings Bank Deposit Account (BSBDA) · General
₹0 (Free)
Trigger Condition
State Bank of India Basic Saving Bank Deposit Account — Branch Channel only.
Verified on 2026-08-15
Savings Bank Accounts — Service Charge Portfolio · General
₹0 (Free)
Trigger Condition
All SBI Savings Bank Accounts; BSBDA is covered separately by its own nil-balance rule. The bank-wide savings AMB penalty waiver announced 11.03.2020 is still stated on the current official Revised Service Charges page.
Verified on 2026-08-20 · Effective: 2020-03-11
NEFT charges2 checked entries
Retail Banking Service Charges · Branch
Up to Rs 10,000: ₹2.00 · Above Rs 10,000 and up to Rs 1 lakh: ₹4.00 · Above Rs 1 lakh and up to Rs 2 lakh: ₹12.00 · Above Rs 2 lakh: ₹20.00
Trigger Condition
SBI Branch Channel. Current account variants Gold, Diamond, Platinum, Rhodium and listed government/defence categories have the waiver described on the official FAQ; this base rule does not flatten those exemptions.
Verified on 2026-08-09
Retail Banking Service Charges · Other
₹0 (Free)
Trigger Condition
SBI official FAQ Online Channel. 'Other' is used because the source groups online delivery rather than specifying only one application channel.
Verified on 2026-08-09
RTGS charges1 checked entry
Retail Banking Service Charges · General
Net Banking/Mobile Banking/YONO — Rs2 lakh and above: ₹0.00 · Branch — Rs2 lakh to Rs5 lakh: ₹20.00 · Branch — Above Rs5 lakh: ₹40.00
Trigger Condition
SBI RTGS transactions originated and payable within India. Salary-package and named current-account waivers remain outside this regular retail rule.
Verified on 2026-09-17
What State Bank of India prints on your statementStatement narrations · 6 decoded
6 narrations decoded against State Bank of India's own schedule of charges — the plain-English and Hinglish meaning, the exact amount including GST, and how to avoid it.
ACCT CLOSURE CHGA fee for closing your account within a defined period after opening it.
ACCT OPENING CHGA charge applied when the account was opened.
CHQ BOOK CHGA charge for cheque leaves issued beyond the free allowance for the year.
DEBIT CARD AMCThe annual maintenance charge for keeping your debit card active. It is charged once a year whether or not you use the card.
DEBIT CARD FEEA one-time fee charged when a debit card is issued to you.
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.
Annual Account Leakage AuditHow much is State Bank of India quietly deducting every year?
How much is State Bank of India quietly deducting from your account every year?
Run our 60-second audit to total the charges we can trace to published tariff documents.
Official State Bank of India tariff documentsThe bank’s own Schedule of Charges and website
Disputing a Wrongful Charge at State Bank of IndiaDispute & 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 State Bank of India customer service quoting the transaction ID and account details. TAT: 7 working days.
Principal Nodal Officer
If unresolved within 7 days, escalate to State Bank of India'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 (State Bank of India)4 questions
What is the minimum balance (AMB) requirement in State Bank of India?
In State Bank of India, 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 State Bank of India?
Annual debit card charges at State Bank of India 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 State Bank of India deduct minimum balance penal charges without sending an SMS?
No. Under RBI Master Direction (DBOD.No.Leg.BC.21/09.07.006/2015-16), State Bank of India 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 State Bank of India?
To dispute a wrongful deduction at State Bank of India: (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 State Bank of India'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).