Bank Charge Guide · 7 banks covered · 9 checked rules
Lowest published, Punjab National Bank
From Punjab National Bank — Non-Credit Related Service Charges
Verified
What a bank charges when an ECS or NACH mandate — an EMI, SIP or utility auto-debit — is returned unpaid, as each bank's own schedule states it. Published figures run from ₹100 to ₹2,000 across 6 banks, before GST.
ECS debit return charges, by bank
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)
Amounts, trigger criteria, GST treatment, and official source links for each bank account.
Run 60s Bank Fee Audit →General
First return: ₹500.00 · Second return onward: ₹550.00
When this charge applies
Axis New Easy Access Savings Account (fee-master selected value 57, labelled Wef 15Th Feb 2025); ECS debit returned.
Checked 2026-09-17
Branch
Below Rs 1,000: ₹300.00 · Rs 1,000 to below Rs 1 lakh: ₹500.00 · Rs 1 lakh to below Rs 50 lakh: ₹750.00 · Rs 50 lakh to below Rs 1 crore: ₹1,000.00 · Rs 1 crore and above: ₹2,000.00
When this charge applies
Canara Bank SB/CA/OD/OCC accounts; an ECS debit returned unpaid. The page states GST is not applicable to this charge.
Checked 2026-09-05
General
First return: ₹500.00 · Second return onward: ₹550.00
When this charge applies
Regular Savings Account; ECS/ACH debit returned in a month. Ordinary non-senior Regular Savings pricing only; excludes Senior Citizen pricing, the above-80 waiver, Speciale Senior Citizen and other special-product waivers.
Checked 2026-09-17
General
₹500.00
When this charge applies
New/migrated Savings Account; financial-reason return. Maximum recovery is three instances per month for the same mandate. Ordinary Regular Savings accounts opened from 01-Aug-2025 or recently migrated to the current products; excludes Salary, Senior Citizen/Pensioner, BSBDA/PMJDY and disability-account SOCs, and programme-specific benefits.
Checked 2026-09-17
General
First return: ₹500.00 · Second return onward: ₹550.00
When this charge applies
Kotak Everyday Savings Account; ECS/NACH debit return by occurrence. The official row does not state a monthly reset, so none is inferred.
Checked 2026-09-17
Branch
₹250.00
When this charge applies
Punjab National Bank return on failure of a direct-debit transaction for insufficient funds, for individual account holders. The page states this applies with effect from 05.04.2024. Charges are exclusive of GST wherever applicable.
Checked 2026-09-06 · Effective 2024-04-05
Branch
₹100.00
When this charge applies
Punjab National Bank return of an ECS debit for insufficient funds. Charges are exclusive of GST wherever applicable.
Checked 2026-09-06
Branch
₹250.00
When this charge applies
Punjab National Bank return of a NACH debit for insufficient funds. Charges are exclusive of GST wherever applicable.
Checked 2026-09-06
General
₹250.00
When this charge applies
Failed SBI National Automated Clearing House mandate, including e-mandate.
Checked 2026-09-17
RBI Circular on Dishonour of Cheques & NACH Grievance Framework: Banks may charge for technical returns or insufficient funds, but charges must not be repeated multiple times for the same transaction failure within a short window, and technical bank faults must be refunded immediately.
Every figure on this page is retrieved directly from official Schedule of Charges documents and RBI circulars. No bank can pay to alter, suppress, or enhance fee ratings on SharpScroll.
Charges for ecs / nach return charges depend on the bank, account variant, channel (online vs branch), and transaction amount tier. In addition, 18% GST is added unless an official zero-rate policy applies.
Banks may charge for technical returns or insufficient funds, but charges must not be repeated multiple times for the same transaction failure within a short window, and technical bank faults must be refunded immediately. Ground for reversal: The bounce occurred due to bank server/technical timeout despite adequate balance.; Wrongful deduction: NACH was presented after cancellation/mandate revocation request.; Signature mismatch due to bank's outdated digitized specimen.; Duplicate penalty debited for single presentation failure..
You can often reduce ecs / nach return charges by transacting online rather than at a branch, keeping the balance your account tier requires, or asking your bank which debit card variants carry no annual charge. Compare published charges before switching accounts.
