Charge decoder
Decode a bank statement charge without guessing.
Enter the narration exactly as it appears on your statement. Add the bank, account type or branch location when you know it, and SharpScroll will show the closest source-backed charge rule it can confirm.
How SharpScroll Works
Banks in India use cryptic SMS and statement abbreviations. SharpScroll normalizes these codes against official Schedule of Charges and RBI Master Directions.
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- Base fee + 18% GST calculation
- Official RBI customer rights & refund scripts
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Statement narrations, decoded one by one
167 narrations across 33 banks. Each one has its own page with the plain-English and Hinglish meaning, the exact amount including GST from the bank’s own schedule of charges, and the RBI dispute template.
Axis Bank Limited
5 decoded narrations
ACCT CLOSURE CHGA fee for closing your account within a defined period after opening 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.RTGS CHGA charge on an outward RTGS transfer. RTGS is used for amounts of Rs 2 lakh and above.
Bandhan Bank Limited
5 decoded narrations
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.
Bank of Baroda
7 decoded narrations
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.DD CHARGESA commission charged when a demand draft or banker's cheque is issued. It usually scales with the draft value.IMPS CHGA charge on an IMPS instant transfer.LOCKER RENTAnnual rent for a safe deposit locker. The amount depends on locker size and branch location.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.
Bank of India
5 decoded narrations
ACCT CLOSURE CHGA fee for closing your account within a defined period after opening it.CHQ BOOK CHGA charge for cheque leaves issued beyond the free allowance for the year.DD CHARGESA commission charged when a demand draft or banker's cheque is issued. It usually scales with the draft value.LOCKER RENTAnnual rent for a safe deposit locker. The amount depends on locker size and branch location.MIN BAL CHGA penalty for not keeping the required average balance in your account for the month or quarter.
Bank of Maharashtra
5 decoded narrations
DD CHARGESA commission charged when a demand draft or banker's cheque is issued. It usually scales with the draft value.LOCKER RENTAnnual rent for a safe deposit locker. The amount depends on locker size and branch location.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.
Canara Bank
22 decoded narrations
ATTESTATION CHGA charge for the bank attesting your signature or photograph.BRANCH WDL CHGA charge for cash withdrawals at a branch beyond the free monthly limit.CHQ LOSS CHGA charge for recording the loss of a cheque or cheque book.CHQ RETURN CHGA charge when a cheque is returned unpaid. Amounts differ depending on whether the cheque was one you issued or one you deposited.DELIVERABLE RET CHGA charge when something the bank posted to you is returned undelivered.DUP STMT CHGA charge for a duplicate statement or passbook.ECS CHGA charge relating to an ECS transfer on your account.ECS RETURN CHGA charge when an ECS debit is returned unpaid.EXCESS DEBIT CHGA charge for transactions beyond the free number of debit entries in the period.EXCESS WDL CHGA charge for withdrawals beyond the free number allowed on your account.IMPS CHGA charge on an IMPS instant transfer.LOCKER KEY CHGA charge for a lost locker key, covering the cost of breaking open and replacing the lock.LOCKER OPS CHGA charge for operating your locker more often than the free number of visits per year.LOCKER REG CHGA one-time charge when a locker is allotted to you.LOCKER RENTAnnual rent for a safe deposit locker. The amount depends on locker size and branch location.NACH MANDATE CHGA charge for registering an auto-debit mandate on your account.NOMINATION CHGA charge for changing the nominee on your account. First-time nomination is free.OLD RECORDS CHGA charge for retrieving old transaction records, rising with the age of the record.RTGS CHGA charge on an outward RTGS transfer. RTGS is used for amounts of Rs 2 lakh and above.SI CHGA charge relating to a standing instruction on your account.SMS CHGA periodic charge for transaction alerts sent by SMS.WDL SLIP CHGA charge for withdrawing using a slip rather than a cheque.
Central Bank of India
3 decoded narrations
ACCT CLOSURE CHGA fee for closing your account within a defined period after opening it.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.
City Union Bank Limited
5 decoded narrations
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.
CSB Bank Limited
3 decoded narrations
DEBIT CARD FEEA one-time fee charged when a debit card is issued to you.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.
DCB Bank Limited
3 decoded narrations
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.
Dhanlaxmi Bank Limited
5 decoded narrations
CHQ BOOK CHGA charge for cheque leaves issued beyond the free allowance for the year.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.
Federal Bank Limited
7 decoded narrations
ACCT CLOSURE CHGA fee for closing your account within a defined period after opening it.CHQ BOOK CHGA charge for cheque leaves issued beyond the free allowance for the year.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.
HDFC Bank Limited
3 decoded narrations
ICICI Bank Limited
2 decoded narrations
IDBI Bank Limited
4 decoded narrations
DEBIT CARD FEEA one-time fee charged when a debit card is issued to you.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.
IDFC FIRST Bank Limited
4 decoded narrations
CHQ BOOK CHGA charge for cheque leaves issued beyond the free allowance for the year.IMPS CHGA charge on an IMPS instant transfer.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.
Indian Bank
5 decoded narrations
CHQ COLLECTION CHGA charge for collecting an outstation cheque.CHQ RETURN CHGA charge when a cheque is returned unpaid. Amounts differ depending on whether the cheque was one you issued or one you deposited.DD CHARGESA commission charged when a demand draft or banker's cheque is issued. It usually scales with the draft value.IMPS CHGA charge on an IMPS instant transfer.RTGS CHGA charge on an outward RTGS transfer. RTGS is used for amounts of Rs 2 lakh and above.
Indian Overseas Bank
3 decoded narrations
LOCKER RENTAnnual rent for a safe deposit locker. The amount depends on locker size and branch location.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.
IndusInd Bank Limited
5 decoded narrations
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.
Jammu and Kashmir Bank Limited
4 decoded narrations
ACCT CLOSURE CHGA fee for closing your account within a defined period after opening 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.
Karnataka Bank Limited
1 decoded narration
Kotak Mahindra Bank Limited
5 decoded narrations
ACCT CLOSURE CHGA fee for closing your account within a defined period after opening it.DEBIT CARD FEEA one-time fee charged when a debit card is issued to you.IMPS CHGA charge on an IMPS instant transfer.LOCKER RENTAnnual rent for a safe deposit locker. The amount depends on locker size and branch location.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.
Punjab & Sind Bank
3 decoded narrations
Punjab National Bank
16 decoded narrations
ACCT CLOSURE CHGA fee for closing your account within a defined period after opening it.ATM DECLINE FEEA charge when an ATM withdrawal is declined for insufficient balance.CARD REPL CHGA charge for replacing a lost, damaged or expired debit card.CHQ BOOK CHGA charge for cheque leaves issued beyond the free allowance for the year.CLOSURE REMIT CHGA charge for transferring your balance elsewhere when the account is closed.DUP PASSWORD CHGA charge for reissuing your internet banking password.ECS RETURN CHGA charge when an ECS debit is returned unpaid.INTL POS CHGA markup charged on card transactions made in a foreign currency.LOCKER RENTAnnual rent for a safe deposit locker. The amount depends on locker size and branch location.MIN BAL CHGA penalty for not keeping the required average balance in your account for the month or quarter.NACH TXN CHGA charge on a NACH auto-debit transaction.NETBANK REG CHGA charge for registering for internet or mobile banking.PIN REGEN CHGA charge for regenerating your debit card PIN.PREPAID CARD AMCThe periodic maintenance charge on a prepaid card.PREPAID CARD FEEA one-time fee for issuing a prepaid card.PREPAID SURRENDER CHGA charge for surrendering a prepaid card and closing it.
RBL Bank Limited
1 decoded narration
South Indian Bank Limited
5 decoded narrations
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.EXCESS WDL CHGA charge for withdrawals beyond the free number allowed on your account.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.
State Bank of India
6 decoded narrations
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.
Tamilnad Mercantile Bank Limited
4 decoded narrations
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.RTGS CHGA charge on an outward RTGS transfer. RTGS is used for amounts of Rs 2 lakh and above.
The Karur Vysya Bank Limited
4 decoded narrations
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.RTGS CHGA charge on an outward RTGS transfer. RTGS is used for amounts of Rs 2 lakh and above.
The Nainital Bank Limited
3 decoded narrations
ATM TXN CHGA charge for ATM transactions beyond the free monthly limit set by RBI.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.
UCO Bank
7 decoded narrations
CHQ BOOK CHGA charge for cheque leaves issued beyond the free allowance for the year.CHQ COLLECTION CHGA charge for collecting an outstation cheque.DEBIT CARD FEEA one-time fee charged when a debit card is issued to you.IMPS CHGA charge on an IMPS instant transfer.POS CASH CHGA charge for withdrawing cash at a shop counter using your debit card.RTGS CHGA charge on an outward RTGS transfer. RTGS is used for amounts of Rs 2 lakh and above.SMS CHGA periodic charge for transaction alerts sent by SMS.
Union Bank of India
4 decoded narrations
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.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.
YES BANK Limited
3 decoded narrations
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.RTGS CHGA charge on an outward RTGS transfer. RTGS is used for amounts of Rs 2 lakh and above.