UCO Bank · statement narration
SMS CHG
Also printed as: SMS ALERT CHARGES · SMS CHARGES · SMS ALERT CHG · MSG CHG
Decoded
A periodic charge for transaction alerts sent by SMS.
Hinglish meinTransaction ke SMS alert ke liye lagne wala charge.
- Domestic SMS
Domestic SMS, ₹0.80 + 18% GST
From UCO Bank — Service Charges on Deposit and other Ancillary Services 2023-24
Verified
- ₹0.80 + 18% GST
- International SMS
International SMS, ₹2 + 18% GST
From UCO Bank — Service Charges on Deposit and other Ancillary Services 2023-24
Verified
- ₹2 + 18% GST
SMS CHG on your UCO Bank statement — A periodic charge for transaction alerts sent by SMS. The bank publishes a rate table, not one figure; the rates are below.
SMS alert 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 (4)
- Bank of Maharashtra — Levied per month rather than per quarter, so not drawn against the others.
- ICICI Bank — Levied each time rather than per quarter, so not drawn against the others.
- Indian Bank — Levied per month rather than per quarter, so not drawn against the others.
- Punjab National Bank — Levied each time rather than per quarter, so not drawn against the others.
What it costs, including GST1 rule · rate table, conditions and waiver
Retail Banking Service Charges · Other
Rs 0.80 per domestic SMS alert, capped at Rs 20 per quarter, and Rs 2 per international SMS alert.
| Rate | Bank’s figure | With 18% GST |
|---|---|---|
| Domestic SMS | ₹0.80 | ₹0.94 |
| International SMS | ₹2 | ₹2.36 |
The bank's figure is before tax, so 18% GST is added on top.
Applies when: UCO Bank accounts receiving SMS alerts. The domestic per-message rate is capped at Rs 20 per quarter; the schedule states no cap against the international rate and none is inferred. Charges are exclusive of GST.
Why it happened and how to avoid it
Why it happened
SMS alerts are active on your account and the periodic fee fell due.
How to avoid it
Many banks charge nothing for app or email alerts. Switching alert channel usually removes this charge.
Dispute this chargeRBI dispute template, ready to copy
Official source1 document
- UCO Bank — Service Charges on Deposit and other Ancillary Services 2023-24
Retrieved 2026-09-05
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