Schedule of charges for Savings Account

Schedule of charges for Savings Account


w.e.f January 01, 2016
Account Title Savings Account Regular*(Applicable for Cat B cities only+) Expat Savings Account Savings Account Value Plus Advantage Savings Account
Account Maintenance
Assets Under Management (AUM)#
OR Average Quarterly
Balance (AQB) for Tier A cities
NA AQB >=Rs. 40,000 AUM >= Rs. 150,000
OR
AQB >=Rs.
1,00,000
AUM >= Rs. 7,50,000
OR
AQB >=Rs. 200,000
Assets Under Management (AUM)#
OR Average Quarterly Balance
(AQB) for Tier B cities
AUM >= Rs. 150,000
OR
AQB >=Rs. 25,000
AQB >= Rs. 40,000 AUM >= Rs. 150,000
OR
AQB >=Rs.
1,00,000
AUM >= Rs. 300,000
OR
AQB >=Rs. 100,000
Account Opening Cheque Rs. 25,000 Not Applicable Rs. 100,000

Rs. 500,000 / Rs. 200,000

Fall Below Fees (per quarter) Lower of the
percentage
shortfall from the AQB or
AUM X Rs. 1,200 or Rs. 1,200
whichever is lower
Lower of the
percentage
shortfall from the AQB or
AUM X Rs. 1,500 or Rs. 1,500
whichever is lower
Lower of the
percentage
shortfall from
the AQB or
AUM X Rs.
1,500 or Rs.
1,500
whichever is
lower
Lower of the
percentage
shortfall from the
AQB or
AUM X Rs.
1,800 or Rs. 1,800
whichever is
lower
FAMILY ACCOUNT PROPOSITION##
Customer Eligibility for
Tier A cities
Regular Savings Account* Expat Savings Account Family Account Value Plus Advantage Family Account
Grouping: Up to 2 Accounts
Assets Under Management (AUM)#
OR Average Quarterly Balance
(AQB)
NA NA AUM >= Rs. 300,000
OR
AQB >=Rs.
1,00,000
AUM >= Rs.15,00,000
OR
AQB >=Rs. 200,000
Grouping: Up to 3 Accounts
Assets Under Management
(AUM)# OR Average Quarterly
Balance (AQB)
NA NA AUM >= Rs. 450,000
OR
AQB >=Rs.
1,00,000
AUM >= Rs.20,00,000
OR
AQB >=Rs. 2,00,000
Grouping: Up to 4 Accounts
Assets Under Management
(AUM)# OR Average Quarterly
Balance (AQB)
NA NA AUM >= Rs. 600,000
OR
AQB >=
Rs. 2,00,000

AUM >= Rs.25,00,000
OR AQB >=Rs. 4,00,000

Fall Below Fees (per quarter) NA NA Lower of the
percentage
shortfall from
the AQB or
AUM X Rs.
1,500 or Rs.
1,500
whichever is
lower
Lower of the
percentage
shortfall from the AQB or
AUM X Rs. 1,800 or Rs. 1,800
whichever is lower
Customer Eligibility for
Tier B Cities
Regular Savings Account* Expat Savings Account Family Account Value Plus Advantage Family Account
Grouping: Up to 2 Accounts
Assets Under Management
(AUM)# OR Average Quarterly
Balance (AQB)
NA NA NA AUM >= Rs.600,000
OR
AQB >=Rs. 100,000
Grouping: Up to 3 Accounts
Assets Under Management
(AUM)# OR Average Quarterly
Balance (AQB)
NA NA NA AUM >= Rs.900,000
 OR
AQB >=Rs. 100,000
Grouping: Up to 4 Accounts
Assets Under Management
(AUM)# OR Average Quarterly
Balance (AQB)
NA NA NA AUM >= Rs.12,00,000
OR
AQB >=Rs. 200,000
Fall Below Fees (per quarter) NA NA NA Lower of the
percentage
shortfall from the AQB or
AUM X Rs. 1,800 or Rs. 1,800
whichever is lower
CHEQUE BOOK & CONSOLIDATED STATEMENT
Payable at Par
Cheque Book - Personalised
Free of Charge Free of Charge Free of Charge Free of Charge
Payable at Par utilization Free of Charge Free of Charge Free of Charge Free of Charge
Statement with Payee Details Free Quarterly
Statements; FreeMonthly
E Statements
Free Quarterly
Statements; FreeMonthly
E Statements
Free Quarterly
Statements; FreeMonthly
E Statements
Free Monthly
Statements; Free
Monthly Investment
Statements; Free
Monthly E Statements
Duplicate Statement Rs 50 per statement for
< 3 months;   Rs. 150 for
per statement > 3 months
Rs 50 per statement for
< 3 months;   Rs. 150 for per
statement > 3 months
Rs 50 per statement for
< 3 months;   Rs. 150 for
per statement > 3 months
Free of Charge
CHEQUE RETURN AND STOP PAYMENT
Cheque issued and returned Financial Reasons
(per Instrument)
Rs. 350 Rs. 350 Rs. 350 Rs. 350
Cheque issued and returned Technical
Reasons (per instrument)
Free of Charge Free of Charge Free of Charge Free of Charge
Cheque Deposited and Returned Local - Rs.100
Outstation - Rs.300
Local - 75
Outstation Rs. 200
Local - 75
Outstation Rs. 200
Local - Free
Outstation - Rs.150
Stop Payment - Single Cheque Rs.100 Rs.75 Rs.75 Rs.50
Stop Payment - Range of Cheques Rs.200 Rs.150 Rs.150 Rs.150
INTERNATIONAL ATM CUM DEBIT CARD ##
International Platinum Debit
 (Annual Fees ):
N.A. Free of Charge N.A. Free of Charge
International Platinum Debit Card for Minors / Add on International Platinum Debit Card (Annual Fees) N.A. Free of Charge N.A. Free of Charge
International Gold Debit Card (Annual Fees) Free of Charge N.A. Free of Charge N.A.
International Gold Debit Card for Minors / Add on International Gold Debit Card (Annual Fees) Free of Charge N.A. Free of Charge N.A.
Domestic Gold Debit Card (Annual Fees) for NRO
Account Holders
Free of Charge N.A. Free of Charge N.A.
Replacement of Damaged International
Debit Card / Regeneration of Duplicate Pin
Free of Charge Free of Charge Free of Charge Free of Charge
Replacement of Lost / Stolen International
Debit Card (Gold / Platinum)
Free of Charge Free of Charge Free of Charge Free of Charge
ATM Cash Withdrawal Limit at ATMs
and POS Utilisation Limit
Default Limit:
Rs.25,000/-
Flexible limit:
Rs.25,000/-
Rs.50,000/-
Rs.100,000/-
Default Limit:
Rs.25,000/-
Flexible limit:
Rs.25,000/-
Rs.50,000/-
Rs.100,000/-
Default Limit:
Rs.25,000/-
Flexible limit:
Rs.25,000/-
Rs.50,000/-
Rs.100,000/-
Default Limit:
Rs.25,000/-
Flexible limit:
Rs.25,000/-
Rs.50,000/-
Rs.100,000/-
ATM Cash Withdrawal Limit per transaction at
Other Bank ATMs
Rs.10,000 Rs.10,000 Rs.10,000 Rs.10,000
Number of Free Transactions (Applicable
to all SB accounts: Incase of non maintenance
of minimum balances; Transactions at non Visa ATMs will be capped at 5 Free transactions month - Above this free limit Rs. 20 ^ per transaction will be charged) &
charges at other Bank ATMs (Domestic)
ATM - Free; 8 Free
transactions per
month on non
Visa ATMs; Above the
free limit - Rs.20^ per
Transaction
Unlimited ATM - Free; 10
Free transactions per
month on non Visa
ATMs; Above the free
limit - Rs.20^ per
Transaction
Unlimited
International Cash withdrawal*** Free Transaction on
Global ATM Alliance
Network** ATMs;
Other ATMs Rs.115
per Transaction.
Free Transaction on
Global ATM Alliance
Network** ATMs;
Other ATMs Rs.115
per Transaction.
Free Transaction on
Global ATM Alliance
Network** ATMs;
Other ATMs Rs.115
per Transaction.
Free Transaction on
Global ATM Alliance
Network** ATMs;
Other ATMs Rs.115
per Transaction.
International Balance Enquiry (per transaction) Rs.50 Rs.50 Rs.50 Rs.50
DEMAND DRAFT, PAY ORDER AND CHEQUE COLLECTION
Demand Drafts on Deutsche Bank Locations /
Pay Orders
Free of charge upto
Rs.50,000 per month.
Above the free limit
Rs.2.00 per Rs.1000;
Min. Rs.150, Max.
Rs. 5000
Free of charge upto
Rs. 10 lacs pm.
Above the free limit
Rs.1.75 per Rs.1000;
Min. Rs. 150, Max.
Rs. 5000
Free of charge upto
Rs. 10 lacs pm.
Above the free limit
Rs.1.75 per Rs.1000;
Min. Rs. 150, Max.
Rs. 5000
Free of charge upto
Rs.25 lacs per month.
Above the free limit
Rs.1.50 per Rs.1000;
Min. Rs. 150, Max.
Rs. 5000
Demand Drafts on Non - Deutsche Bank
Locations
Rs.3.00 per Rs.1,000;
Min. Rs.95, Max.
Rs.2495
Rs.2.25 per Rs.1,000;
Min. Rs. 95, Max. Rs.
2495
Rs.2.25 per Rs.1,000;
Min. Rs. 95, Max. Rs.
2495
Rs.2.25 per Rs.1,000;
Min. Rs. 95, Max. Rs.
2495
Foreign Currency Demand Draft
(per Instrument)
Rs. 300 Rs. 300 Rs. 300 Rs. 300
Demand Draft/ Pay Order Cancellations/
Revalidation / Duplicate (per instrument)
Rs.125 Rs.100 Rs.100 Rs.100
Outstation Cheque Collection at Deutsche Bank
Branch Locations
Free of charge upto
Rs.50,000 per month &
not exceeding 5
instruments per month.
Above the free limit
Rs.100 per instrument
till Rs.100,000 Rs.150
per instrument for
Rs.100,001 and above
Free of charge upto
Rs.10 Lacs per month &
not exceeding 10
instruments per month.
Above the free limit Rs
100 per instrument till
Rs. 100,000 Rs. 150 per
instrument for
Rs.100,001 and above
Free of charge upto
Rs.10 Lacs per month &
not exceeding 10
instruments per month.
Above the free limit Rs
100 per instrument till
Rs. 100,000 Rs. 150 per
instrument for
Rs.100,001 and above
Free of charge upto Rs.
25 Lacs per month &
not exceeding 20
instruments per month.
Above the free limit Rs
100 per instrument till
Rs. 100,000 Rs. 150
per instrument for
Rs.100,001 and above
Outstation Cheque Collection at Non - Deutsche
Bank Branch Locations
Up to Rs. 5,000 - Rs. 25
per instrument Rs.5,000
to Rs.10,000 - Rs. 50
per instrument,
Rs. 10,001 to Rs.100,000 - Rs. 100 per instrument,
Rs.1,00,001 and above -
Rs.150 per instrument
Up to Rs. 5,000 - Rs. 25
per instrument Rs.5,000
to Rs.10,000 - Rs. 50
per instrument
Rs. 10,001 to Rs.100,000 - Rs. 100 per instrument,
Rs.1,00,001 and above -
Rs.150 per instrument
Up to Rs. 5,000 - Rs. 25
per instrument Rs.5,000
to Rs.10,000 - Rs. 50
per instrument
Rs. 10,001 to Rs.100,000 - Rs. 100 per instrument,
Rs.1,00,001 and above -
Rs.150 per instrument
Up to Rs. 5,000 - Rs. 25
per instrument Rs.5,000
to Rs.10,000 - Rs. 50
per instrument
Rs. 10,001 to Rs.100,000 - Rs. 100 per instrument,
Rs.1,00,001 and above -
Rs.150 per instrument
National Electronic Fund Transfer
(NEFT^) Outward
Amounts upto Rs. 10,000 - Rs. 2.50/- per transaction.
Amounts from Rs. 10,001 to Rs. 100,000 - Rs. 5/- per transaction.
Amounts from Rs. 100,001 to Rs. 200,000 - Rs.15/- per transaction.
Amounts > Rs. 200,000 - Rs.25/- per transaction.
^ Exclusive of service tax
Amounts upto Rs. 10,000 - Rs. 2.50/- per transaction.
Amounts from Rs. 10,001 to Rs. 100,000 - Rs. 5/- per transaction.
Amounts from Rs. 100,001 to Rs. 200,000 - Rs.15/- per transaction.
Amounts > Rs. 200,000 - Rs.25/- per transaction.
^ Exclusive of service tax
Amounts upto Rs. 10,000 - Rs. 2.50/- per transaction.
Amounts from Rs. 10,001 to Rs. 100,000 - Rs. 5/- per transaction.
Amounts from Rs. 100,001 to Rs. 200,000 - Rs.15/- per transaction.
Amounts > Rs. 200,000 - Rs.25/- per transaction.
^ Exclusive of service tax
Amounts upto Rs. 10,000 - Rs. 2.50/- per transaction.
Amounts from Rs. 10,001 to Rs. 100,000 - Rs. 5/- per transaction.
Amounts from Rs. 100,001 to Rs. 200,000 - Rs.15/- per transaction.
Amounts > Rs. 200,000 - Rs.25/- per transaction.
^ Exclusive of service tax
RTGS^ Outward (per transaction) Amounts from
Rs. 200,000 to
Rs. 500,000 -
Rs. 25/- per transaction.
Amounts >
Rs. 500,000 -
Rs. 50/- per transaction.
^ Inclusive of service tax
Amounts from Rs. 200,000 to Rs. 500,000 - Rs. 25/- per transaction.
Amounts >
Rs. 500,000 -
Rs. 50/- per transaction.
^ Inclusive of service tax
Amounts from Rs. 200,000 to Rs. 500,000 - Rs. 25/- per transaction.
Amounts >
Rs. 500,000 -
Rs. 50/- per transaction.
^ Inclusive of service tax
Amounts from Rs. 200,000 to Rs. 500,000 - Rs. 25/- per transaction.
Amounts >
Rs. 500,000 -
Rs. 50/- per transaction.
^ Inclusive of service tax
Foreign Currency Cheque Collection 0.25% (Minimum Rs.155
and Maximum Rs.4495)
0.25% (Minimum Rs.155
and Maximum Rs.4495)
0.25% (Minimum Rs.155
and Maximum Rs.4495)
0.25% (Minimum Rs.155
and Maximum Rs.4495)
Foreign Exchange Conversions
(per transaction)
Rs. 100 Rs. 100 Rs. 100 Rs. 100
Outward Remittance (per transaction) Rs.600 Rs. 600 (One Free
remittance to home
country per month)
Rs. 600 for Resident
SavingsAccount
Free of charge for NRE
/ NRO SavingsAccount
Rs. 600 for Resident
SavingsAccount
Free of charge for NRE
/ NRO SavingsAccount
Foreign Inward Remittance Certificate (FIRC) Rs.100 Rs.100 Rs. 100
Not Applicable for
NRO / NRE Accounts
Rs. 100
Not Applicable for
NRO / NRE Accounts
ANY BRANCH BANKING
Cash Deposit / Withdrawal
(Non - Domicile Branch)
Free upto Rs.50,000 per
day. Above the
free limit Rs.2.00 per
Rs.1000., Min. Rs. 75
Free upto Rs. 75,000 per
day. Above the
free limit Rs.2.00 per
Rs.1000., Min. Rs. 75
Free upto Rs. 75,000 per
day. Above the
free limit Rs.2.00 per
Rs.1000., Min. Rs. 75
Unlimited Free
OTHER ACCOUNT RELATED
Standing Instruction Set up (per instruction Rs.60 Rs.60 Rs.60 Rs.60
Phonebanking / Non IVR: Free of Charge Free of Charge Free of Charge Free of Charge
Standing Instruction Amendments
(per instruction)
Rs.60 Rs.60 Rs.60 Rs.60
OTHER ACCOUNT RELATED
Standing Instruction Failure (per instruction Rs.350 Rs.350 Rs.350 Rs.350
Account Closure
Upto 14 days -
<6 months to 15 days - 

Nil
Rs. 550

Nil
Rs. 550

Nil
Rs. 550

Nil
Rs. 550
Activation of Dormant Account Free of Charge Free of Charge Free of Charge Free of Charge
Retrieval of Documents - Document upto 6
months old (per document)
Rs.100 Rs.100 Rs.100 Free for Documents upto
6 months & Rs 100 for
Documents > 6 months
ECS debit instructions issued by customer and
returned unpaid (per instrument)
Rs.350 Rs.350 Rs.350 Rs.350
BALANCE CERTIFICATE, INTEREST CERTIFICATE AND BANKERS REPORT
Certificate of Balance & Interest Certificate
(Current year)
Free of Charge Free of Charge Free of Charge Free of Charge
Signature Verification Certificate
(per verification)
Rs.100 Rs.100 Rs.100 Rs.100
Charge Slip Copy Retrieval Rs.100 Rs.100 Rs.100 Rs.100
Retrieval of Documents - Document upto
6 months old (per document)
Rs.100 Rs.100 Rs.100 Rs.100
Bankers' Report Rs.100 Rs.100 Rs.100 Rs.100

Click here to view schedule of charges effective from December 01, 2012 to December 31, 2015


* Product available in Tier B cities only - Savings Account Regular
** Global ATM Alliance includes Deutsche Bank ATM worldwide, Bank of America in USA, Scotia Bank in Canada, Chile, Mexico and Caribbean Islands, BNP Paribas in France, Barclays Bank in UK and Africa, Westpac in Australia, New Zealand and South Pacific
*** Mark-up of 3.5% on all International Transactions (Cash Withdrawals & Point-of-Sale transactions)
# AUM includes investments in all Mutual Funds units (except liquid Mutual Funds), Insurance, Fixed Deposits, 20% of value of unencumbered equity shares in Demat Account & Savings account balances right through the quarter
## Available only for Value Plus Savings Account and Advantage Savings Account customers Demand Draft / Pay Order charges to be applicable only on the incremental amounts.

Service Tax and Educational Cess as applicable will be levied.

These Service Charges are subject to change as per Bank's policies
+ Tier A Cities - Ahmedabad, Bangalore, Chennai, Delhi, Gurgaon, Kolkata, Mumbai,
   Noida & Pune
+ Tier B Cities - Aurangabad, Kolhapur, Ludhiana, Moradabad, Salem, Surat & Vellore
^ Deutsche Bank AG, India (“Bank”) is only a distributor of third party investment / insurance products and not an advisor in offering investment / insurance advice and any information contained in this brochure or otherwise communicated by the Bank shall not be construed as investment or insurance advice. All decisions to purchase or sell units / securities / insurance policy shall be on the basis of the personal judgement of the customer arrived at after due consideration and after understanding the risk factors associated with their chosen investments carefully and consulting their own independent advisor prior to making any investment decisions. The Bank does not in any manner guarantee any returns on any investment or insurance products. All investments are subject to market risks and there is no assurance or a guarantee that the objectives of any investment schemes will be achieved. Information concerning past performance is not necessary a guide to future performance. This brochure should not form the basis of any investment decision by customers. The recommended asset allocation herein is as per your inputs in the risk profiling questionnaire. The recommendation may change from time to time without prior notice. The recommendation assumes that factors affecting your risk profile have not changed. In case of any change, we suggest that you should contact your relationship manager and re-assess your risk profile using the tools available with the Bank. The opinions, expectations and other information herein is based on certain assumptions and projections which may not be entirely accurate and accordingly the analysis may not accurately reflect the financial status, needs or risk ability of the customer. The Bank does not guarantee or make any representation, express or implied, with respect to the fairness, correctness, accuracy, adequacy, quality, efficacy, reliability, reasonableness, viability for any particular purpose or completeness of any information herein and is not responsible for any errors or omissions in or for results obtained from the use of such information.

With effect from April 1st, 2015: In line with RBI guidelines ( RBI Circular no DBR.Dir.BC.No.47/13.03.00/2014-15), customers who have not maintained the required balance threshold for a quarter across both Assets Under Management (AUM) and Average Quarterly balances (AQB) would be sent an intimation of the same on their mobile number or email address or physical address as registered with the Bank, at the end of the cycle. The quarterly balances across both AUM & AQB would then be reviewed post a month of the charge cycle, and in the event of non –maintenance again, service fee would be applied as a percentage of the shortfall observed in the actual AQB maintained from the required threshold of AQB or actual AUM maintained from the required threshold of AUM whichever is lower. It will be the responsibility of the customer to have a valid e-mail ID, mobile number and address updated with the Bank at all times, failing which, customer may not receive the notification(s).

For example, Calendar Quarter Q1 (Jan – Feb – Mar) Requirement: AUM Rs.150,000 OR AQB Rs. 75,000 with a flat charge of Rs. 1200/- AUM / AQB will be checked for Q1 in April. Incase client has not maintained the requisite balances, communication will be sent giving 1 month’s notice i.e. April Post one month’s period, AQB / AUM will be recalculated for Feb – Mar – Apr in May. Incase client does not maintain either AUM or AQB i.e. AUM is Rs. 120,000 and AQB is Rs. 37,500, the shortfall for both AUM and AQB will be calculated i.e. AUM 120,000 / 150,000 = 80% i.e. shortfall of 20% and AQB 37,500 / 75,000 = 50% i.e. shortfall of 50%. Lower shortfall is observed in AUM i.e. 20% hence the charges will be levied basis the AUM shortfall i.e. Charge will be Rs. 1200 X 20% = Rs. 240/-