Duniya Bank

w.e.f July 1, 2019

Minimum Balance

  Normal Current Account Duniya Current Account Duniya Plus Current Account Duniya Premium Current Account
Rural Area Rs.1,000/- Rs.7,500/-
(Quarterly Average Balance)
Rs.50,000/-
(Quarterly Average Balance)
Rs.1,00,000/-
(Quarterly Average Balance)
Semi-Urban / Urban Areas Rs.2,000/- Rs.10,000/-
(Quarterly Average Balance)
Rs.50,000/-
(Quarterly Average Balance)
Rs.1,00,000/-
(Quarterly Average Balance)

Demand Drafts and Pay Order

Normal Current Account Duniya Current Account Duniya Plus Current Account Duniya Premium Current Account
Payable on any location of Duniya Bank and its corresponding bankers - Rs.2.00 per thousand or part thereof minimum Rs.20/- Payable on any location of Duniya Bank and its corresponding bankers - Rs.1.00 per thousand or part thereof minimum Rs.20/- Payable on any location of Duniya Bank and its corresponding bankers At Par Payable on any location of Duniya Bank and its corresponding bankers At Par

Cheque Collection Period and Charges

Outstation Chequesa. Payable on any location of Duniya Bank and Jalandhar - T + 6 daysa. Payable on any location of Duniya Bank and Jalandhar - T + 4 daysa. Payable on any location of Duniya Bank and Jalandhar - T + 4 daysa. Payable on any location of Duniya Bank and Jalandhar - T + 4 days
  Normal Current Account Duniya Current Account Duniya Plus Current Account Duniya Premium Current Account
Local/Speed Clearing Cheques(including Local Cheques deposited at a location other than the parent branch) T + 1 days or as per local clearing(Collection Charges-NIL) T + 1 days or as per local clearing(Collection Charges-NIL) T + 1 days or as per local clearing(Collection Charges-NIL) T + 1 days or as per local clearing(Collection Charges-NIL)
Outstation Cheques(centers outside the purview of Duniya and corresponding Bank Branches, CTS Grid and Speed Clearing) Faster realization of Outstation Cheques Collection Charges charged by collecting bank + Rs. 1.25 per thousand or part thereof.Min. Rs.15/- + Out of pocket expenses (postage charges) Max.including postage charges should not exceed: Faster realization of Outstation Cheques Collection Charges charged by collecting bank + Rs. 1.25 per thousand or part thereof.Min. Rs.15/- + Out of pocket expenses (postage charges) Max.including postage charges should not exceed: Faster realization of Outstation Cheques Collection Charges charged by collecting bank + Rs. 1.25 per thousand or part thereof.Min. Rs.15/- + Out of pocket expenses (postage charges) Max.including postage charges should not exceed: Faster realization of Outstation Cheques Collection Charges charged by collecting bank + Rs. 1.25 per thousand or part thereof.Min. Rs.15/- + Out of pocket expenses (postage charges) Max.including postage charges should not exceed:
  i) Rs.50/- per instrument for instrument upto Rs.10,000/- i) Rs.50/- per instrument for instrument upto Rs.10,000/- i) Rs.50/- per instrument for instrument upto Rs.10,000/- i) Rs.50/- per instrument for instrument upto Rs.10,000/-
  ii)Rs.100/- per instrument for instrument from Rs.10,001/- to Rs.1,00,000/- ii)Rs.100/- per instrument for instrument from Rs.10,001/- to Rs.1,00,000/- ii)Rs.100/- per instrument for instrument from Rs.10,001/- to Rs.1,00,000/- ii)Rs.100/- per instrument for instrument from Rs.10,001/- to Rs.1,00,000/-
  iii)Rs.150/- per instrument for instrument above Rs.1,00,000/- iii)Rs.150/- per instrument for instrument above Rs.1,00,000/- iii)Rs.150/- per instrument for instrument above Rs.1,00,000/- iii)Rs.150/- per instrument for instrument above Rs.1,00,000/-

Any Where Banking Facility

  Normal Current Account Duniya Current Account Duniya Plus Current Account Duniya Premium Current Account
ATM-cumDebit Card & No. of Free Transaction(only Proprietorship Accounts) Not Available

Available on request At Par No. of FREE Transactions
(Financial and Non-Financial)
On Duniya Bank ATM - All are free
On other Bank ATM - All are charged

@ Rs.20/- per FT

@ Rs.10/- per Non FT

Available on request At Par No. of FREE Transactions 
(Financial and Non-Financial)
On Duniya Bank ATM - All are free
On other Bank ATM - All are charged

@ Rs.20/- per FT

@ Rs.10/- per Non FT

Available on request At Par No. of FREE Transactions 
(Financial and Non-Financial)
On Duniya Bank ATM - All are free
On other Bank ATM - All are charged

@ Rs.20/- per FT

@ Rs.10/- per Non FT

Mobile Banking

Available

(Charges @ Rs.25/- per Qtr)

Free Free Free
Internet Banking Free (Mobile banking activation is compulsory) Free Free Free
Cash Deposit and withdrawal at a Branch other than parent Branch Free up to Rs.25,000/- per day afterwards Re.1/- per thousand and part thereof. Free up to Rs.1,00,000/- per day afterwards Re.1/- per thousand and part thereof. Free up to Rs.2,00,000/- per day afterwards Re.1/- per thousand and part thereof. Free up to Rs.3,00,000/- per day afterwards Re.1/- per thousand and part thereof.

Service Charges

  Normal Current Account Duniya Current Account Duniya Plus Current Account Duniya Premium Current Account
1. For Non maintenance of specified balance If Minimum Balance > 50% but less than required balance Rs.150/- per Qtr.If < 50% Rs.250/- per Qtr. If QAB> 50% but less than required QAB Rs. 750/- per Qtr.If  < 50% Rs.1000/- per Qtr. If QAB> 50% but less than required QAB Rs. 1000/- per Qtr.If  < 50% Rs.1500/- per Qtr. If QAB> 50% but less than required QAB Rs. 1500/- per Qtr.If  < 50% Rs.2000/- per Qtr.
2. Cheque Book Charges Re.2.00 per cheque leaf Re.2.00 per cheque leaf Re.2.00 per cheque leaf Free
3. Cheque issued by you and returned unpaid (Including ECS) Rs.100/- per instrument Rs.100/- per instrument Rs.100/- per instrument Rs.100/- per instrument
4. Cheque deposited by you and returned unpaid Rs.50/- per instrument (local) + 50% of collection charges(outstation) Rs.50/- per instrument (local) + 50% of collection charges(outstation) Rs.50/- per instrument (local) + 50% of collection charges(outstation) Rs.50/- per instrument (local) + 50% of collection charges(outstation)
5. Account Closure Charges Before One Year Rs.100/- else Nil Before One Year Rs.100/- else Nil Before One Year Rs.100/- else Nil Before One Year Rs.100/- else Nil

6. Cash Handling Charges

(Cash deposit)

Cash Deposit up to 15 times of average balance of previous month or Rs.5 lac whichever is higher.There after charges of Rs.10/-per packet up to the denomination of Rs.100 and Rs5/-per packet  for denomination of Rs.500/- and above. Cash Deposit up to 15 times of average balance of previous month or Rs.7.5 lac whichever is higher.There after charges of Rs.10/-per packet up to the denomination of Rs.100 and Rs5/-per packet  for denomination of Rs.500/- and above. Cash Deposit up to 15 times of average balance of previous month or Rs.15 lac whichever is higher.There after charges of Rs.10/-per packet up to the denomination of Rs.100 and Rs5/-per packet  for denomination of Rs.500/- and above. Cash Deposit up to 15 times of average balance of previous month or Rs.25 lac whichever is higher.There after charges of Rs.10/-per packet up to the denomination of Rs.100 and Rs5/-per packet  for denomination of Rs.500/- and above.

6. Cash Handling Charges

(Cash Withdrawl)

Cash withdrawl during the quarter free up to Rs.25.00 Lac thereafter Rs.0.50 per thousand. Cash withdrawl during the quarter free up to Rs.100.00 Lac thereafter Rs.0.50 per thousand. Cash withdrawl during the quarter free up to Rs.300.00 Lac thereafter Rs.0.50 per thousand. Cash withdrawl during the quarter free up to Rs.500.00 Lac thereafter Rs.0.50 per thousand.
7. Loose cheque leaf charges Rs.5/- per loose leaf Rs.5/- per loose leaf Rs.5/- per loose leaf Rs.5/- per loose leaf
8. Duplicate Statement Charges Rs.25/-(Per Qtr.) Rs.25/-(Per Qtr.) Rs.25/-(Per Qtr.) Rs.25/-(Per Qtr.)
9. Revalidation / Cancellation of Banker Cheque Rs.100/- per occasion Rs.100/- per occasion Rs.100/- per occasion Rs.100/- per occasion
10. Folio Charges Rs.60/- per Folio per Quarter Rs.60/- per Folio per Quarter Nil Nil
11. Standing Instruction Charges(Except RD A/Cs) Rs.25/- per instruction Rs.25/- per instruction Rs.25/- per instruction One free in a quarter and afterwards Rs.25/- per instruction
12. Change of Authorised Signatory Charges Rs.50/- per case Rs.50/- per case Nil Nil
13. Stop Payment Charges Rs.50/- per instrument Rs.50/- per instrument Rs.30/- per instrument Free
14. Balance Certificate Issue Charges Rs.50 per certificate Rs.50 per certificate Rs.30 per certificate/- Free
15.ATM cum Debit Card Type & Charges        
i) Annual Fee NA RuPay Classic : Rs.149/-
RuPay Platinum : Rs.199/-
RuPay Classic : Rs.149/-
RuPay Platinum : Rs.199/-
RuPay Classic : Rs.149/-
RuPay Platinum : Rs.149/-
ii) Card Replacement Fee NA RuPay Classic : Rs.149/-
RuPay Platinum : Rs.149/-
RuPay Classic : Rs.149/-
RuPay Platinum : Rs.149/-
RuPay Classic : Rs.149/-
RuPay Platinum : Rs.149/-
16. NEFT Charges        
Upto Rs.10,000 Nil Nil Nil Nil
Above Rs.10,000 to Rs.1 lac Nil Nil Nil Nil
Above Rs.1 lac to Rs.2 lacs Nil Nil Nil Nil
Above Rs.2 lacs Nil Nil Nil Nil
17.RTGS Charges        
Rs.2 lacs to Rs.5 lacs Nil Nil Nil Nil
Above Rs.5 lacs Nil Nil Nil Nil
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