CURRENT ACCOUNT

Effective 01 September 2024

Suryoday SFB Bank Schedule of Charges Current Account - Supreme
AQB Maintenance Condition AQB Maintenance Condition
Average Balance Requirement (AQB) ₹ 50,000
Charges for Non maintenance of AQB - per quarter ₹ 1,500
Minimum Initial Payment Amount ₹ 50,000
Account Statement Account Statement
Email – Statement (Monthly) Free
Duplicate / Adhoc Statement ₹ 100 per instance
Cheque Book Cheque Book
Personalised Multi City Át Par'Cheque leaves per month (Free limit) 100
Additional Cheques over & above free limit per month ₹ 2 per cheque leaf
Debit-cum-ATM Card Debit-cum-ATM Card
Default Card type RuPay Platinum EMV Chip Debit Card
Issuance Charge ₹ 299
Annual Charges (2nd Year onwards) ₹ 299
Decline charges for balance insufficient NIL
Reissue in case of Loss or Damage / instance ₹ 299
Debit Card limit on ATM - Per day ₹ 100,000
Debit Card limit on POS - Per day ₹ 100,000
Cash withdrawal Limit at POS ₹2000 per transaction maximum monthly limit of ₹10,000
Cash withdrawal charges at POS 1% of the transaction amount
Debit-ATM Transaction Charges Debit-ATM Transaction Charges
Other Bank ATM Free Limit at all location - per month Unlimited
Charges beyond Free Limit – Financial Transaction NA
Charges beyond Free Limit – Non – Financial Transaction NA
Micro - Atm charges Micro - Atm charges
Maximum amount of Cash withdrawal limit at Micro ATM/AEPS-Monthly ₹ 50000
No of free transactions in Micro ATM /AEPS Unlimited
Charges beyond free no of transactions in Micro - ATM /AEPS ₹ 10
Maximum Amount Per Transaction in Micro - ATM/AEPS Max of ₹ 10,000 per transaction
Financial Transaction Financial Transaction
Cash Deposit Free Limit at Branch - per month ₹500,000 or 5 times of last month's AMB
whichever is higher
Cash Deposit at Branch - Charges beyond free limit ₹ 4/ 1000 & part thereof (Min: ₹50)
Third party cash deposit Charges - Branch NIL
Cash withdrawal Limit at Branch Unlimited
Charges beyond Free Limit - Cash withdrawal NA
Payment Services Payment Services
Free Limit on Outward IMPS/ NEFT / RTGS Unlimited
Free transactions on outward UPI Unlimited
RTGS Payment (Outward) ₹ 200,000 to ₹ 500,000 per transaction NIL
RTGS Payment (Outward) Above ₹ 500,000 per transaction NIL
NEFT Payment (Outward) Upto ₹ 10,000 per transaction NIL
NEFT Payment (Outward) ₹ 10,001 to ₹ 100,000 per transaction NIL
NEFT Payment (Outward) ₹ 100,001 to ₹ 200,000 per transaction NIL
NEFT Payment (Outward) Above ₹ 200,000 per transaction NIL
IMPS Payment (Outward) Upto ₹ 100,000 per transaction NIL
IMPS Payment (Outward) Above ₹ 100,000 to ₹ 500,000 per NIL
transaction
UPI payment (Outward) Free
DD issuance charges - Upto ₹ 2000 ₹ 50 (Total 20 DDs free p.m.)
DD issuance charges - ₹ 2001 to ₹ 10,000 ₹ 50
DD issuance charges - Above ₹ 10,000 (Min ₹ 60 & Max ₹ 1500) ₹ 2 per 1000
 Suryoday SFB Bank Schedule of Charges Current Account - Supreme
Miscellaneous Services Miscellaneous Services
Standing Instruction Charges involving SSFB Bank Accounts Free
Account Closure within 6 months NIL
Account Maintenance Charge per quarter NIL
Dormancy activation NIL
SMS Alert Charges / month Free
Cheque Stop Payment per Instrument Branch: ₹ 100
Net Banking & Mobile Banking: Free
Cheque Stop Payment per Series Branch: ₹ 300
Net Banking & Mobile Banking: Free
Cheque return charges - Inward (Only for financial reasons) ₹ 300 per instrument
Cheque return charges - Outward (Only for financial reasons) ₹ 50 per instrument
ECS Return Charges ₹ 300 per instrument
DD (PO) - Duplicate Issuance per instrument ₹ 100
DD (PO) - Cancellation/ Revalidation Charges per instrument ₹ 100
Record Retrieval charges (Cheque/ Instruction/ Charge Slip) Free
Signature, Address and Photo attestation Free
Balance Certificate Issuance Charge Free
Bank Certificate Issuance Charge Free
Doorstep Banking Facility Please contact your branch
Monthly doorstep Charges - Basis availability (Services of Business ₹ 200 per month
Correspondent as per limits)
Solvency Certificate Issuance (only Net-worth with the bank) 1% of the value of solvency certificate amount.
(Min ₹ 100 and Max ₹ 1000)
Important Instructions:
>Opening of the Current Account shall be construed as to the deemed acknowledgement and acceptance of the rules & regulations,
terms & conditions, service charges etc., in relation to the Current account product. If the Bank at any stage finds that the Current
Account is being used either for the purpose for which it is not allowed or for the purpose of routing transactions which are suspicious
or not commensurate with the line of business or activity or occupation of the account holder, the Bank reserves the right to inquire in
to such transactions, report to the regulatory authorities as required under the law and also close such Current account.
>Cash deposits of ₹ 10,00,000 and above on a single day would require prior intimation and approval of the branch atleast one
working day in advance.
>Service charges are subject to change from time to time. The same shall be intimated through notification on the Bank's website.
>Any change of address, change in entity viz management, promoters, change in shareholding, change in line of business, any police
or investigative action by authorities on the company or directors or promoters etc., shall be immediately informed to the Bank.
>Fees and charges are subject to change at the sole discretion of the bank. All the amounts should/will be in INR .
>Above mentioned charges are exclusive of GST and will be levied additionally as applicable from time to time. All the amounts
should/will be in INR. The Bank shall be governed by the above rates and the subsequent changes in the said rates by the
Government from time to time.
>Dormant Account:- If there are no customer-induced transactions in the account for a period of two years, the account will be
treated as an dormant account. The service charges levied by the Bank and/or interest credited by the Bank would not be considered
as customer induced transactions. The customer should thus transact in the account periodically, so that it does not become dormant.
>Satisfactory conduct of the account entails maintaining sufficient balance to honor cheques issued to third parties. If there are high
incidences to the contrary, the Bank reserves the right to close the account under intimation to the customer.
>Doorstep Banking facility is depending on availability, if available, is provided within municipal city limits.
>Facilities mentioned above are as per availability from time to time and location to location
>In case of various charges like non-maintenance, cheque return, Debit Card fees etc, the charge shall be levied & recovered by the
Bank on periodic intervals on monthly, quarterly, annual basis as applicable.
>In case of insufficient funds in the account, for recovery of above-mentioned charges, Suryoday SFB reserves the right to force debit
or make repeated attempt(s) to recover charges due.

>Minimum Average maintenance on an account type shall not be applicable for the calendar Quarter in which the account is opened.
>Duplicate / Adhoc Account Statement shall be provided at the request of the customer, free of charge, on the registered email id (as per Bank’s
records). Printed / physical copy of Account Statement is charged.
>In case the customer holds multiple accounts with the bank, customer will be required to maintain AQB as per the highest variant held by the
customer in all accounts put together held under same right & same capacity with the bank.