Bank Charge Guide · 7 banks covered · 10 checked rules
Highest published, UCO Bank
From UCO Bank — Service Charges on Deposit and other Ancillary Services 2023-24
Verified
See source-backed SMS alert charges by bank and account without treating an unverified gap as a free service. Published figures run from ₹0.25 to ₹2 across 3 banks, before GST.
SMS alert 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 (4)
Amounts, trigger criteria, GST treatment, and official source links for each bank account.
Run 60s Bank Fee Audit →Other
Domestic SMS: ₹0.30 · International SMS: ₹1.50
When this charge applies
Bank of Maharashtra savings, current and cash-credit accounts. Only SMS sent for customer-induced credit/debit transactions are charged; promotional SMS and UPI transactions are excluded. Capped at Rs 15 per month for savings and Rs 25 per month for current/CC accounts. Exempt: BSBDA/FI/PMJDY accounts, staff and ex-staff, pension accounts. GST is additional.
Checked 2026-09-26
Other
Domestic SMS: ₹0.25 · International SMS: ₹1.20
When this charge applies
Canara Bank accounts receiving SMS alerts. The page charges for customer-induced transactions only and levies the charge quarterly. GST is additional.
Possible waiver or exception
Staff, ex-staff, PMJDY, BSBD and other financial inclusion accounts are exempt.
Checked 2026-09-05
Other
₹0.15
When this charge applies
ICICI Bank new/migrated savings accounts (opened from 01-Aug-2025 or recently migrated) under the savings-account schedule. 15 paise per SMS with an upper limit of Rs 100 per quarter; the per-SMS figure is stored and the quarterly ceiling is recorded here. Excludes Salary, Senior Citizen/Pensioner, BSBDA/PMJDY and disability-account schedules. GST is additional per the document footer.
Checked 2026-09-26
Other
Domestic SMS: ₹0.25 · International SMS: ₹2.00
When this charge applies
Indian Bank Current, Overdraft and OCC accounts. Charged per alert message at the published per-message rates and capped at Rs 30 per month. Staff, ex-staff, senior citizens, UPI transactions and Basic Savings Bank Deposit Accounts are exempt; the document dates the BSBDA exemption 01.04.2024. GST is additional.
Checked 2026-09-05
Other
Domestic SMS: ₹0.25 · International SMS: ₹2.00
When this charge applies
Indian Bank Savings Bank accounts. Charged per alert message at the published per-message rates and capped at Rs 15 per month. Staff, ex-staff, senior citizens, UPI transactions and Basic Savings Bank Deposit Accounts are exempt; the document dates the BSBDA exemption 01.04.2024. GST is additional.
Checked 2026-09-05
Other
₹0 (Free)
When this charge applies
Indian Bank Basic Savings Bank Deposit Accounts and small accounts. The schedule exempts these from SMS alert charges, so the per-message savings rates do not apply to them.
Checked 2026-09-05 · Effective 2024-04-01
Other
Domestic SMS: ₹0.25 · International SMS: ₹1.50
When this charge applies
Indian Overseas Bank savings, current and cash-credit accounts receiving SMS alerts; recovered quarterly. No cap is stated and none is inferred. Exempt: BSBDA accounts, staff, IOB Salary Diamond/Platinum, SB Max, SB HNI, Super Star, Sixty Plus, pensioner, government and institutional, Freedom, Prime, Priority, Privilege and several other schemes listed in the schedule. GST is additional.
Checked 2026-09-26
Other
₹0.25
When this charge applies
Punjab National Bank savings accounts. The page states 25 paise per SMS subject to a maximum of Rs 15 per quarter; the per-SMS figure is stored and the quarterly ceiling is recorded here because no amount type carries a per-unit rate with a periodic cap. The page states this applies with effect from 1 July 2022. Charges are exclusive of GST wherever applicable.
Checked 2026-09-06 · Effective 2022-07-01
Other
₹0.25
When this charge applies
Punjab National Bank accounts other than savings. The page states 25 paise per SMS subject to a maximum of Rs 25 per quarter; the per-SMS figure is stored and the quarterly ceiling is recorded here because no amount type carries a per-unit rate with a periodic cap. The page states this applies with effect from 1 July 2022. Charges are exclusive of GST wherever applicable.
Checked 2026-09-06 · Effective 2022-07-01
Other
Domestic SMS: ₹0.80 · International SMS: ₹2.00
When this charge applies
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.
Checked 2026-09-05 · Effective 2023-07-15
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 sms alert 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.
Waivers depend on meeting required account balance criteria, using digital banking channels (NEFT/RTGS/UPI), or submitting a dispute if debited wrongfully.
You can often reduce sms alert 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.
