Schedule of Charges

Savings Value

Effective Date: May 01, 2016

Minimum Average Balance

Maintenance

Collection Services

INR

Intra-Bank Fund Transfer Collection

Free

RTGS Collection

Free

NEFT Collection

Free

Non-Maintenance Charge
per Month

IMPS Inward

Free

Cheque Collection - Local Clearing

Free

If balance maintained is >=100% of the requirement

Nil

Free (plus `20 courier charges)

If balance maintained is >50% of the requirement

5% of balance shortfall

Outstation Cheque Collection - Yes BANK locations

If balance maintained is <=50% of the requirement

10% of balance shortfall

Maximum AMB non-maintenance charge

INR 500/- per Month

Average Monthly Balance (AMB)

` 5,000*

FD requirement for Nil AMB**

` 50,000

AMB Maintained

Up to and including 5,000; `25 /

Instrument
Above 5,000 and up to including
10,000; `50 / Instrument

Outstation Cheque Collection - Correspondent

Bank locations (Intrument value)

Payment Services
Intra-Bank Fund Transfer-Branch

Free

Intra-Bank Fund Transfer NetBanking/Mobile Banking

Free

RTGS Payment-Branch

Per Transaction Charges

` 25- Above ` 2 Lacs and upto ` 5 Lacs;
` 50- Above ` 5 Lacs

Above 10,000 and up to including

1,00,000; `100 / Instrument
Above 1,00,000; ` 150 / Instrument

RTGS Payment - NetBanking/

Mobile Banking

Free

NEFT Payment - Branch

Per Transaction Charges

` 2.5- upto ` 10K;
` 5- ` 10,001 upto ` 1 Lac;
`15- ` 1,00,001 upto ` 2 Lacs;
` 25- Above ` 2 Lacs

NEFT Payment - NetBanking/

Mobile Banking

Free

IMPS Outward

Netbanking- Rs. 5 per transaction

Mobile Banking- Free

Payable At Par Cheque Usage

25 Txns Per Month Free; ` 2 / Txn thereafter

DD payable at YES BANK

locations - Branch

4 Per Month Free; ` 50 / Instrument

thereafter

DD payable at YES BANK locations NetBanking/Mobile Banking

Free (plus ` 20 courier charges)

DD payable at Correspondent Bank

locations* (II)

1 Per Month Free;

` 2.5 / ` 1 ,000 thereafter (Min. ` 50 and
Max. 5,000)

Up to and including 5,000; `25 /

Instrument
Above 5,000 and up to including
10,000; `50 / Instrument

Outstation Cheque Collection - Other locations

(Intrument value)

Above 10,000 and up to including

1,00,000; `100 / Instrument
Above 1,00,000; ` 150 / Instrument

Cash Deposit* (I)

Monthly free limit:

Rs. 5 Lac on value or 5 Txns
whichever is breached first Charge
over free limit: Rs. 3/Rs. 1,000 or
Rs. 50, whichever is higher

Remittance Services *
Foreign Outward Remittance

` 200 plus SWIFT Charges

Foreign Inward Remittance

Free

Debit Cum ATM Card

Foreign Exchange Services *

Card Type

Domestic Silver

Annual Fee

` 149

PIN Regeneration

` 50 / Instance

DD Issuance - FCY

` 2 / ` 1,000 (Min. ` 250, Max. ` 1,000)

Charge Slip retrieval

` 250 / Instance

Travelers Cheque Issuance ^

1% Commission

Replacement of lost / stolen Debit Card

` 149 / Instance

Cheque Collection - FCY

` 2 / ` 1,000 (Min. ` 250, Max. ` 1,000)

Cross Currency Mark-up

3%

Transactions at ATM*(III)

Doorstep Banking Services^

At Own Bank ATMs

Financial Txns + Non-Financial Txns

Free

At Other Bank ATMs

Financial Txns + Non-Financial Txns

Financial Transactions -First 5 per

month Free. Thereafter
Rs. 20 per Financial Txn
Non-Fianncial Txn- Unlimited Free

ATM Declines due to insufficient funds

` 25 / Instance
* See guidelines for details

Pick-Up or Delivery of instruments

`100 / Visit

Cash Pick-Up / Delivery upto Rs. 3 Lacs

`200 / Txn

Cash Pick-Up / Delivery above Rs. 3 Lacs upto Rs. 8 Lacs

`250 / Txn

Cash Pick-Up / Delivery above Rs. 8 Lacs upto Rs. 15 Lacs

`600 / Txn

Cash Pick-Up / Delivery above Rs. 15 Lacs

`1,500 / Txn

^ 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 Value

Miscellaneous Services
Cheque Return - Insufficient funds

` 300 / Cheque

ECS Return - Insufficient funds

` 200 / Return

Cheque Return - Local Clearing

` 50 / Cheque

Cheque Return - Outstation Collection

` 50 / Cheque

Stop Payment of Cheques - Branch

` 50 / Instruction

SWIFT Charges

` 500

Dormancy Activation

Free

Money Monitor Annual Fee

` 249

Depository Annual Maintenance Charge

` 300 or as per Demat SOC

SMS / E-mail Alerts (Day end balance /

transactions above a threshold / low
balance)
Utility Bill payment - NetBanking/
Mobile Banking

Free

Free

Account Closure Charges

Effective Date: May 01, 2016

Basic Banking Services

Individuals at SemiUrban & Rural

Branches, Senior
Citizens & Women

Other Invididuals

Account Opening

Free

Free

Free

Mobile Banking Registration

Free

Free

Free

Phone Banking Registration

Free

Free

Free

NetBanking Registration

Free

Free

Free

Investment Services Registration

Free

Free

Free

Nomination Facility

Free

Free

Free

Payable at Par Cheque Book

Free

Free

Free

Any Branch Banking

Free

Free

Free

Quarterly statement by post

Free

Free

N.A.

Monthly statement by post

N.A.

N.A.

Free

Standing Instruction maintenance - Branch

Free

Free

Free

Standing Instruction maintenance - NetBanking

Free

Free

N.A

ECS Instruction

Free

Free

Free

Balance Inquiry - Branch

Free

Free

Free

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.

Non-Invididuals

Within 21 days

Free

Mutual Fund investments - Branch

Free

Free

Free

After 21 days to 1 year

` 100

Free

Free

Free

After 1 year

Free

Mutual Fund investments - NetBanking

Stop Payment of Cheques - NetBanking

Free

Free

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

Retrieval of Cheque / Instruction

Free within 1 year of date

of issue, ` 50/cheque
thereafter

Free within 1 year of date

of issue, `100/cheque
thereafter

Free within 1 year of date

of issue, `100/cheque
thereafter

Common Guidelines
An initial payment for opening a new account should include
1. Minimum Average Monthly Balance of the account type PLUS
2. First year Debit Card Annual Fee and/or
3. Demat Account Annual Maintenance Fee(plus taxes, as applicable)
Card Rates apply for all Foreign Exchange conversion transactions less than US$
20000 (or equivalent)
The charges for Forex transactions mentioned in the schedule of charges do not
include any charge that may be levied by the originating / correspondent bank.
Applicable tax & surcharge will be levied on all foreign exchange sale and purchase
transactions.
Monthly/Quarterly/Annual cycle charges as applicable on the account type can be
recovered anytime.
In case of insufficient funds in the account, for recovery of charges, YES BANK
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 Account Opening Month.
The charges mentioned in the schedules are exclusive of taxes as applicable from time
to time.
The schedule of charges applicable to NRE Advantage & NRO Advantage will be as
per Savings Advantage Account.
The schedule of charges applicable to NRE Exclusive & NRO Exclusive will be as per
Savings Exclusive Account.
Relaxation of AMB maintenance will be given to certain categories of customers
including designated Chartered Accountants, Designated Clubs and their members,
designated educational institutes and their members and savings accounts acquired
under Broker tie ups or any other specific promotional offer as defined by YES BANK
from time to time. The continuation of these offers will be at the sole discretion of the
bank and the Bank reserves the right to withdraw these offers.

AMB requirement will be Rs. 2,500 for select locations as specified by YES BANK from
time to time
In case of non maintenance of product level AMB, customer will be liable to pay following
charges for the transactions done during that month.
1. Product level AMB Non Maintenance charges
2. Charges as follows on the free privileges availed (charged from first/Defined transaction
i.e. no free transactions)

I. Cash deposit to be charged from the 1st Re. deposited as per the standard charge

of Rs. 3 /Rs. 1,000 (subject to a Min. of Rs. 50)

II. Free DD Issuance at Correspondent Bank Location to be charged@ Rs. 2.5/Rs.

1,000 (Min. Rs. 50, Max. Rs. 5,000)
III. ATM Transactions from 6th transaction to be charged at Rs. 20 per Financial
Transaction and Rs. 5 per Non-financial transaction
**Fixed Deposit should be in the name of Primary / First Applicant to avail Nil AMB benefit.
^^Issuance of duplicate Passbook (For Individual Savings Account holders) will be charged
at Rs. 75
Average Monthly Balance (AMB): Average of Daily Closing Balance for the Month =
Summation of daily closing balance/Actual no. of calendar days in the month.
Relaxation of AMB will be given to a select group of professionals basis a required number
of customer induced transactions as decided by the Bank from time to time. The continuation of this offer will be at the sole discretion of the bank and the bank reserves the right to
withdraw these offers.
This account variant was earlier known as SA5.
A One Month advance intimation shall be provided at the end of the first month (M0) in
case the required Average Balance is not being maintained during the first month(M0).
Average balance will be observed for the next month (M1), Average Monthly Balance
non-maintenance charges for the first month (M0) will be levied as defined if the required
AMB is not maintained for the two subsequent months (M0 and M1)
Kindly refer to our website or contact our branches for latest Schedule of charges.

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