SharpScrollINDIA

Methodology

Official sources first. Unknown details stay unknown.

SharpScroll only shows a charge when the bank schedule or RBI circular explicitly states the amount, condition and context. If a detail is missing from the source, we do not fill it in.

Before a charge appears on SharpScroll

  1. 1. We identify the exact bank, account type or service the charge applies to.
  2. 2. We locate an official source: the bank's published Schedule of Charges, a product page, or an RBI regulatory circular.
  3. 3. We record the exact location within that source (page number, section, table header or clause) where the charge appears.
  4. 4. We record the retrieval date and the date we verified the entry.
  5. 5. We keep the product, channel, location and waiver conditions attached to the amount.
  6. 6. If a material detail is not stated in the source, we do not fill it in.
  7. 7. Only entries that pass all these checks are published.

What the dates mean

“Source checked” is the date SharpScroll retrieved and reviewed the cited source document.

“Effective from” is shown only when the official source explicitly states an effective date. If the source does not state one, the page says so rather than guessing.

“Rule checked” is the date the specific charge rule entry was verified by a reviewer.

What types of sources we use

  • Schedule of Charges: The bank's official, periodically updated fee schedule.
  • Product page: The bank's official page for a specific account or service.
  • Regulatory circular: An RBI or other regulator circular that sets a ceiling or rule.

We do not use news articles, Reddit posts, third-party aggregators, or unofficial summaries as sources for any published charge.

Staleness and source monitoring

Bank fee schedules change. SharpScroll monitors registered official source URLs for changes in HTTP status, redirect destination and content fingerprint.

When a change is detected, affected charge entries enter a review queue. A human reviewer checks the new source and approves any update before it goes live. We do not auto-update charges based on detected changes alone.

The “source checked” date on each entry tells you how recently we reviewed that source. Older dates mean the source has not changed since that review — not that the data is stale.

What we do not do

We do not invent amounts

If a source does not state a specific amount, we do not show a number. We show “not stated in source” or leave the field blank.

We do not infer conditions

Conditions, waivers and exceptions are shown only when the official source explicitly states them. We do not infer eligibility from context.

We do not rank banks

Comparison tables show verified data side by side. We do not produce a “best bank” ranking or make recommendations.

Official sources currently used (103)

ixigo AU Small Finance Bank Credit Card — Fees and Most Important TermsSource checked 2026-08-21Axis Bank ACE Credit Card — Fees and Most Important TermsSource checked 2026-08-21Airtel Axis Bank Credit Card — Fees and Most Important TermsSource checked 2026-08-21Axis Bank Atlas Credit Card — Fees and Most Important TermsSource checked 2026-08-21Axis Bank — Cheque Book ChargesSource checked 2026-08-09Axis Bank — Employee Reimbursement AccountSource checked 2026-08-15Axis Bank — Priority Salary AccountSource checked 2026-08-15Axis Bank — Savings Account Fees and Charges MasterSource checked 2026-08-09Bandhan Bank — Government Salary AccountSource checked 2026-08-15Bandhan Bank — Government Salary Account Everyday-Service BenefitsSource checked 2026-08-15Bank of Baroda — Savings Minimum-Balance Non-Maintenance ChargesSource checked 2026-08-15Bank of Baroda — Savings Account Schedule of Charges and Initial Deposit RequirementsSource checked 2026-08-25Bank of Baroda — Service ChargesSource checked 2026-08-09BOI Elite Salary AccountSource checked 2026-08-15Bank of India — Revised Schedule of Service Charges (Lockers & Remittances)Source checked 2026-08-25Bank of India — Star Yuva AccountSource checked 2026-08-15Bank of Maharashtra — Mahabank Salary Account SchemeSource checked 2026-08-15Bank of Maharashtra — Service Charges w.e.f. 01.02.2026Source checked 2026-08-09Canara Bank — Non-Credit and Non-Forex Service ChargesSource checked 2026-08-09Central Bank of India — CENT SAMARTH Savings DepositsSource checked 2026-08-15Central Bank of India — General Banking Service ChargesSource checked 2026-08-15CSB Social Support (BSBDA) Savings SchemeSource checked 2026-08-15CSB Bank — National Electronic Fund Transfer (NEFT)Source checked 2026-08-15City Union Bank — Service ChargesSource checked 2026-08-15DCB Bank — Basic Savings Bank Deposit AccountSource checked 2026-08-15DCB Bank — NRE Classic Savings AccountSource checked 2026-08-15Dhanlaxmi Bank — ChargesSource checked 2026-08-15Dhanlaxmi Bank — Smart Salary Savings AccountSource checked 2026-08-15Federal Bank — Basic Savings Bank Deposit Account (BSBDA)Source checked 2026-08-15Federal Bank — Charges for Savings/Current Accounts and Other Liability ProductsSource checked 2026-08-09HDFC Bank — Basic Savings Bank Deposit Account Fees and ChargesSource checked 2026-08-09HDFC Bank — Current Account Schedule of Charges (Biz Lite+ & Regular Current)Source checked 2026-08-25HDFC Bank — Grievance RedressalSource checked 2026-08-09HDFC Bank — IMPS Fees and ChargesSource checked 2026-08-09HDFC Bank Infinia Metal Edition — Fees and Most Important TermsSource checked 2026-08-21HDFC Bank Millennia Credit Card — Fees and Most Important TermsSource checked 2026-08-21HDFC Bank Regalia Gold Credit Card — Fees and Most Important TermsSource checked 2026-08-21HDFC Bank Regular Savings Account — Fees and ChargesSource checked 2026-08-09HDFC Bank Schedule of Charges — Savings AccountSource checked 2026-08-07Tata Neu Infinity HDFC Bank Credit Card — Fees and Most Important TermsSource checked 2026-08-21Amazon Pay ICICI Bank Credit Card — Fees and Most Important TermsSource checked 2026-08-21ICICI Bank Coral RuPay Credit Card — Fees and Most Important TermsSource checked 2026-08-21ICICI Bank — Business Banking Roaming Current Account Service ChargesSource checked 2026-08-25ICICI Bank — RTGS TransferSource checked 2026-08-09ICICI Bank Rubyx Credit Card — Fees and Most Important TermsSource checked 2026-08-21ICICI Bank Regular Savings Account — Schedule of Charges (legacy)Source checked 2026-08-09ICICI Bank Savings Account — Schedule of Charges (Accounts opened from 01-Aug-2025 / migrated)Source checked 2026-08-09IDBI Bank — Advantage Savings Account Schedule of FacilitiesSource checked 2026-08-15IDBI Bank — Basic Savings Account with Complete KYC Schedule of FacilitiesSource checked 2026-08-15IDFC FIRST Classic Credit Card — Fees and Most Important TermsSource checked 2026-08-21IDFC FIRST Bank — Savings AccountSource checked 2026-08-15IDFC FIRST Bank — Savings Account Zero Fee BankingSource checked 2026-08-15IDFC FIRST Mayura Metal Credit Card — Fees and Most Important TermsSource checked 2026-08-21Indian Bank — Service Charges (Last Updated 20.04.2026)Source checked 2026-08-09Indian Bank — IND Plus NRE Savings Bank AccountSource checked 2026-08-15IndusInd Bank — Schedule of Charges - Indus Online Savings Account VariantsSource checked 2026-08-15Indian Overseas Bank — Salary AccountSource checked 2026-08-15Indian Overseas Bank — Revision of Service Charges 2026Source checked 2026-08-09J&K Bank — Basic Saving Bank DepositSource checked 2026-08-15J&K Bank — Pink Savings SchemeSource checked 2026-08-15Karnataka Bank — Corporate Salary Account official updateSource checked 2026-08-15Kotak 811 — Zero Balance Digital Savings AccountSource checked 2026-08-15Kotak Everyday Savings Account — Basic Service FeesSource checked 2026-08-09Kotak Mahindra Bank — General Schedule of Features and Charges (Safe Deposit Lockers)Source checked 2026-08-25Kotak League Platinum Credit Card — Fees and Most Important TermsSource checked 2026-08-21Karur Vysya Bank — Account Related ChargesSource checked 2026-08-15Karur Vysya Bank — Regular SavingsSource checked 2026-08-15Karur Vysya Bank — Remittance ChargesSource checked 2026-08-15Nainital Bank — ATM Charge Revision NoticeSource checked 2026-08-15Nainital Bank — Deposit / Savings Account Minimum Balance TableSource checked 2026-08-15Nainital Bank — RTGS / NEFTSource checked 2026-08-15OneCard Metal Credit Card — Fees and Most Important TermsSource checked 2026-08-21PNB — Basic Saving Bank Deposit Accounts (PNB Zero Balance Account)Source checked 2026-08-15Punjab National Bank — Fees and Services / Digital Banking OperationsSource checked 2026-08-15Punjab National Bank — Safe Deposit Locker Annual Rental TariffSource checked 2026-08-25Punjab National Bank — Non-Credit Related Service ChargesSource checked 2026-09-06Punjab & Sind Bank — Account Closure ChargesSource checked 2026-08-15Punjab & Sind Bank — IMPS ChargesSource checked 2026-08-15Punjab & Sind Bank — Savings QAB Non-Maintenance ChargesSource checked 2026-08-15RBL Bank — Basic Savings AccountSource checked 2026-08-15RBL Bank — Schedule of Charges — Savings AccountSource checked 2026-09-05RBL Bank — Seniors First Savings AccountSource checked 2026-08-15RBL Bank World Safari Credit Card — Fees and Most Important TermsSource checked 2026-08-21SBI — Basic Saving Bank Deposit Account (Branch Channel)Source checked 2026-08-15Cashback SBI Card — Fees and Most Important TermsSource checked 2026-08-21SBI Card PRIME — Fees and Most Important TermsSource checked 2026-08-21SBI — Revised Service Charges (Personal Banking)Source checked 2026-08-20SBI — FAQ RTGS / NEFTSource checked 2026-08-09State Bank of India — Savings Bank Account Rules and Service ChargesSource checked 2026-08-25SimplyCLICK SBI Card — Fees and Most Important TermsSource checked 2026-08-21SBI Schedule of Charges — Basic Savings Bank Deposit AccountSource checked 2026-08-07Scapia Federal Bank Credit Card — Fees and Most Important TermsSource checked 2026-08-21South Indian Bank — Basic Savings Bank Deposit AccountSource checked 2026-08-15South Indian Bank — SB NRO Gold Savings AccountSource checked 2026-08-15Tamilnad Mercantile Bank — TMB Santhosh Savings Bank AccountSource checked 2026-08-15UCO Bank — No-Frills Savings Bank Account (Zero Balance)Source checked 2026-08-15UCO Bank — Schedule of Non-Credit Charges FY 2025-26Source checked 2026-08-15UCO Bank — Service Charges on Deposit and other Ancillary Services 2023-24Source checked 2026-09-05Union Bank of India — Basic Savings Bank Deposit Account Small Accounts (BSBDS)Source checked 2026-08-15Union Bank of India — Elite Salary AccountSource checked 2026-08-15YES BANK — What is Basic Savings Bank Deposit Account?Source checked 2026-08-15YES BANK — YES Digital Salary AccountSource checked 2026-08-15YES BANK — Rates and ChargesSource checked 2026-08-09