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Schedule of Charges

Savings Advantage
Effective Date: May 01, 2016

Minimum Average Balance Collection Services


INR
Maintenance
Intra-Bank Fund Transfer Collection Free
Average Monthly Balance (AMB) ` 10,000*
RTGS Collection Free
FD requirement for Nil AMB** ` 50,000
NEFT Collection Free
IMPS Inward Free
AMB Maintained Non-Maintenance Charge Cheque Collection - Local Clearing Free
per month
Outstation Cheque Collection - Yes BANK locations Free (plus `20 courier charges)
If balance maintained is >=100% of the requirement Nil Up to and including 5,000; `25 /
If balance maintained is >50% of the requirement 5% of balance shortfall Instrument
If balance maintained is <=50% of the requirement 10% of balance shortfall Above 5,000 and up to including
Maximum AMB non-maintenance charge INR 500/- per Month Outstation Cheque Collection - Correspondent 10,000; `50 / Instrument
Bank locations (Intrument value)
Above 10,000 and up to including
1,00,000; `100 / Instrument
Payment Services
Above 1,00,000; ` 150 / Instrument
Intra-Bank Fund Transfer-Branch Free
Up to and including 5,000; `25 /
Intra-Bank Fund Transfer - Instrument
Free
NetBanking/Mobile Banking
Above 5,000 and up to including
Per Transaction Charges Outstation Cheque Collection - Other locations 10,000; `50 / Instrument
RTGS Payment-Branch ` 25- Above ` 2 Lacs and upto ` 5 Lacs; (Intrument value)
` 50- Above ` 5 Lacs Above 10,000 and up to including
RTGS Payment - NetBanking/ 1,00,000; `100 / Instrument
Free
Mobile Banking Above 1,00,000; ` 150 / Instrument
Per Transaction Charges Cash Deposit* (I) Monthly free limit:
` 2.5- upto ` 10K; Rs. 5 Lac on value or 5 Txns
NEFT Payment - Branch ` 5- ` 10,001 upto ` 1 Lac; whichever is breached first Charge
`15- ` 1,00,001 upto ` 2 Lacs; over free limit: Rs. 3/Rs. 1,000 or
` 25- Above ` 2 Lacs Rs. 50, whichever is higher
NEFT Payment - NetBanking/
Free
Mobile Banking
Netbanking- Rs. 5 per transaction
IMPS Outward
Mobile Banking- Free Remittance Services *
Payable At Par Cheque Usage 25 Txns Per Month Free; ` 2 / Txn thereafter
DD payable at YES BANK 10 Per Month Free; ` 50 / Instrument Foreign Outward Remittance ` 200 plus SWIFT Charges
locations - Branch thereafter Foreign Inward Remittance Free
DD payable at YES BANK locations -
Free (plus ` 20 courier charges)
NetBanking/Mobile Banking
2 Per Month Free;
DD payable at Correspondent Bank Debit Cum ATM Card
` 2.5 / ` 1 ,000 thereafter (Min. ` 50 and
locations* (II)
Max. 5,000)
Card Type Domestic Silver
Annual Fee ` 149
Foreign Exchange Services * PIN Regeneration ` 50 / Instance
Charge Slip retrieval ` 250 / Instance
DD Issuance - FCY ` 2 / ` 1,000 (Min. ` 250, Max. ` 1,000)
Replacement of lost / stolen Debit Card ` 149 / Instance
Travelers Cheque Issuance ^ 1% Commission
Cross Currency Mark-up 3%
Cheque Collection - FCY ` 2 / ` 1,000 (Min. ` 250, Max. ` 1,000)

Doorstep Banking Services^


ATM Transactions in India*(III)
Pick-Up or Delivery of instruments `100 / Visit
At Own Bank ATMs
Free Cash Pick-Up / Delivery upto Rs. 3 Lacs `200 / Txn
Financial Txns + Non-Financial Txns
Cash Pick-Up / Delivery above Rs. 3 Lacs upto Rs. 8 Lacs `250 / Txn
At Other Bank ATMs
Free
Financial Txns + Non-Financial Txns Cash Pick-Up / Delivery above Rs. 8 Lacs upto Rs. 15 Lacs `600 / Txn
ATM Declines due to insufficient funds ` 25 / Instance Cash Pick-Up / Delivery above Rs. 15 Lacs `1,500 / Txn

* See guidelines for details ^ Please check with the branch for the availability of this service

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For Debit Card linked to account opened before November 30, 2013: If there has been an international transaction earlier, the limit for such transactions will be reset to Zero. For other cases, there
will be a standard limit for international ATM and merchant transactions. Cash Withdrawal Outside India will be charged at Rs. 120/Txn (plus applicable taxes) and Balance Inquiry Outside India
will be charged at Rs. 20/Txn (plus applicable taxes). You can opt for Platinum International Chip Debit Card for better security and for availing higher limits on international transactions.
Schedule of Charges Savings Advantage Effective Date: May 01, 2016

Individuals at Semi- Other Invididuals Non-Invididuals


Miscellaneous Services Basic Banking Services
Urban & Rural
Branches, Senior
Cheque Return - Insufficient funds ` 300 / Cheque Citizens & Women

ECS Return - Insufficient funds ` 200 / Return Account Opening Free Free Free
Mobile Banking Registration Free Free Free
Cheque Return - Local Clearing ` 50 / Cheque
Phone Banking Registration Free Free Free
Cheque Return - Outstation Collection ` 50 / Cheque
NetBanking Registration Free Free Free
Stop Payment of Cheques - Branch ` 50 / Instruction
Investment Services Registration Free Free Free
SWIFT Charges ` 500 Nomination Facility Free Free Free
Dormancy Activation Free Payable at Par Cheque Book Free Free Free
Money Monitor Annual Fee ` 249 Any Branch Banking Free Free Free
Quarterly statement by post Free Free N.A.
Depository Annual Maintenance Charge ` 300 or as per Demat SOC
Monthly statement by post N.A. N.A. Free
SMS / E-mail Alerts (Day end balance / Standing Instruction maintenance - Branch Free Free Free
transactions above a threshold / low Free
balance) Standing Instruction maintenance - NetBanking Free Free N.A
ECS Instruction Free Free Free
Utility Bill payment - NetBanking/Mo-
Free Balance Inquiry - Branch Free Free Free
bile Banking
Balance Inquiry - Mobile Banking Free Free Free
Balance Inquiry - NetBanking Free Free Free
Replacement of damaged Debit Card Free Free Free
e-commerce payment - NetBanking Free Free N.A.
Account Closure Charges Mutual Fund investments - Branch Free Free Free
Within 21 days Free Mutual Fund investments - NetBanking Free Free Free
After 21 days to 1 year ` 100 Stop Payment of Cheques - NetBanking Free Free Free
After 1 year Free Stop Payment of Cheques - Mobile Banking Free Free Free
Cancellation of DD payable at YES BANK locations Free `50/Instruction `50/Instruction
Cancellation of DD payable at Other locations `50/Instruction `100/Instruction `100/Instruction
DD Revalidation Free `50/Instruction `50/Instruction
Passbook Issuance ^^ Free Free N.A.
Bankers Verification (Signature / Address / Photograph) Free `100/Verification `100/Verification
Free within 1 year of date Free within 1 year of date Free within 1 year of date
Retrieval of Cheque / Instruction of issue, ` 50/cheque of issue, `100/cheque of issue, `100/cheque
thereafter thereafter thereafter

Common Guidelines
An initial payment for opening a new account should include In case of non maintenance of product level AMB, customer will be liable to pay following
1. Minimum Average Monthly Balance of the account type PLUS charges for the transactions done during that month.
2. First Year Debit Card Annual Fee AND/OR 1. Product level AMB Non Maintenance charges
3. Demat Account Annual Maintenance Fee(plus taxes, as applicable) 2. Charges as follows on the free privileges availed (charged from first/Defined transaction
Card Rates apply for all Foreign Exchange conversion transactions less than US$ i.e. no free transactions)
20000 (or equivalent) I. Cash deposit to be charged from the 1st Re. deposited as per the standard charge
The charges for Forex transactions mentioned in the schedule of charges do not of Rs. 3 /Rs. 1,000 (subject to a Min. of Rs. 50)
include any charge that may be levied by the originating / correspondent bank. II. Free DD Issuance at Correspondent Bank Location to be charged@ Rs. 2.5/Rs.
Applicable tax & surcharge will be levied on all foreign exchange sale and purchase 1,000 (Min. Rs. 50, Max. Rs. 5,000)
transactions. III. ATM Transactions from 6th transaction to be charged at Rs. 20 per Financial
Monthly/Quarterly/Annual cycle charges as applicable on the account type can be Transaction and Rs. 5 per Non-financial transaction
recovered anytime. **Fixed Deposit should be in the name of Primary / First Applicant to avail Nil AMB benefit.
In case of insufficient funds in the account, for recovery of charges, YES BANK Average Monthly Balance (AMB): Average of Daily Closing Balance for the Month =
reserves the right to force debit or make repeated attempt(s) to recover charges due. Summation of daily closing balance/Actual no. of calendar days in the Month.
Minimum Average maintenance on an account type shall not be applicable for the Ac- ^^Issuance of duplicate Passbook (For Individual Savings Account holders) will be charged
count Opening Month. at Rs. 75
The charges mentioned in the schedules are exclusive of taxes as applicable from time Relaxation of AMB will be given to a select group of professionals basis a required number
to time. of customer induced transactions as decided by the Bank from time to time. The continua-
The schedule of charges applicable to NRE Advantage & NRO Advantage will be as tion of this offer will be at the sole discretion of the bank and the bank reserves the right to
per Savings Advantage Account. withdraw these offers.
The schedule of charges applicable to NRE Exclusive & NRO Exclusive will be as per This account variant was earlier known as SA10.
Savings Exclusive Account. A One Month advance intimation shall be provided at the end of the first month (M0) in
Relaxation of AMB maintenance will be given to certain categories of customers case the required Average Balance is not being maintained during the first month(M0).
including designated Chartered Accountants, Designated Clubs and their members, Average balance will be observed for the next month (M1), Average Monthly Balance non-
designated educational institutes and their members and savings accounts acquired maintenance charges for the first month (M0) will be levied as defined if the required AMB
under Broker tie ups or any other specific promotional offer as defined by YES BANK is not maintained for the two subsequent months (M0 and M1).
from time to time. The continuation of these offers will be at the sole discretion of the Kindly refer to our website or contact our branches for latest Schedule of charges.
bank and the Bank reserves the right to withdraw these offers.
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