Punjab National Bank · statement narration
ECS RETURN CHG
Also printed as: ECS RETURN CHARGES · ECS DEBIT RETURN · ECS FAIL CHG
Decoded
A charge when an ECS debit is returned unpaid.
Hinglish meinECS debit wapas hone par lagne wala charge.
- You pay, incl. GST
You pay, incl. GST, Retail Banking Service Charges
From Punjab National Bank — Non-Credit Related Service Charges
Verified
- Retail Banking Service Charges
ECS RETURN CHG on your Punjab National Bank statement — A charge when an ECS debit is returned unpaid. The charge is ₹118, including 18% GST.
ECS / NACH return charge: what other banks publish
Bank’s own figures, before GST. Where a bank publishes several rates, the bar runs from its lowest to its highest — its table below says which applies to whom. Tap a figure for its source.
Not on this chart (1)
- State Bank of India — Levied each time rather than each time, so not drawn against the others.
What it costs, including GST1 rule · rate table, conditions and waiver
Retail Banking Service Charges · Branch
₹118
₹100.00 before tax
The bank's figure is before tax, so 18% GST is added on top.
Applies when: Punjab National Bank return of an ECS debit for insufficient funds. Charges are exclusive of GST wherever applicable.
Why it happened and how to avoid it
Why it happened
An ECS debit was presented and returned, usually for insufficient balance.
How to avoid it
Keep enough balance ahead of scheduled ECS dates.
Dispute this chargeRBI dispute template, ready to copy
Official source1 document
- Punjab National Bank — Non-Credit Related Service Charges
Retrieved 2026-09-06
Decode another narration
Paste any other line from the same statement into the decoder.
Open the charge decoder