State Bank of IndiaBank fee profile

State Bank of India Banking Fees & Charges

A dated SBI retail-fee profile that separates regular Savings, BSBD/basic, Salary Package and service-specific pricing instead of presenting one bankwide list of 'free' or 'paid' banking.

First-party evidencePublished researchReviewed September 10, 2026Active

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Account / tariff scopeFee treatment depends on the exact account class. Ordinary Savings, Salary Package, BSBD/FI/KCC and other schemes can have different waivers or transaction allowances even when they use the same SBI channels.

Fee thresholds / allowancesFree-transaction counts and fee thresholds are not transaction-value limits. The dated ATM tariff, account schedule and channel tariff must be matched before calculating cost.

Current fee postureSBI has waived Savings Bank average-balance non-maintenance penalties since 11 March 2020, but ATM, IMPS, branch, card and other service charges remain product/channel-specific. Current ordinary Savings off-us ATM pricing from 1 December 2025 is ₹23 + GST for financial and ₹11 + GST for non-financial transactions after the applicable free allowance.

Product / programme / channel relationshipThis page is a fee index over existing SBI products and channels. It does not replace the controlling Savings/Salary/BSBD/card/transfer product page or tariff.

Research processPublished by bankingreference.info

Structured from first-party bank/issuer evidence. This page does not claim personal hands-on product use unless that experience is explicitly stated.

5 first-party sourcesEffective-date event October 1, 2026

Last checkedSeptember 10, 2026

Recorded source review date, not a claim that the product changed that day.

Maintenance stateRecheck approaching

Target recheck: November 9, 2026.

How to verifyMethodology · Editorial policy

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Critical decision facts

Channel scope and security state determine what the published limit really means.

Rail, channel, beneficiary, cooling, authentication and recovery rules stay separate instead of being compressed into one generic digital-banking number.

01 · Account / tariff scopeFee treatment depends on the exact account class. Ordinary Savings, Salary Package, BSBD/FI/KCC and other schemes can have different waivers or transaction allowances even when they use the same SBI channels.

02 · Fee thresholds / allowancesFree-transaction counts and fee thresholds are not transaction-value limits. The dated ATM tariff, account schedule and channel tariff must be matched before calculating cost.

03 · Current fee postureSBI has waived Savings Bank average-balance non-maintenance penalties since 11 March 2020, but ATM, IMPS, branch, card and other service charges remain product/channel-specific. Current ordinary Savings off-us ATM pricing from 1 December 2025 is ₹23 + GST for financial and ₹11 + GST for non-financial transactions after the applicable free allowance.

04 · Product / programme / channel relationshipThis page is a fee index over existing SBI products and channels. It does not replace the controlling Savings/Salary/BSBD/card/transfer product page or tariff.

Exact product-type evidence

Bank fee profile evidence stays in its own structure.

Specialist fields below remain source-scoped. Missing values stay missing; one banking product type is never used to manufacture facts for another.

Fee scope map

A fee is only meaningful after matching the product, channel and effective date.

Base tariffs, programme waivers and future-effective notices are kept separately scoped. Reviewed September 10, 2026.

Tariff scopeRetail fee index spanning ordinary Savings, Salary Package, BSBD/basic and selected digital/ATM services. Product-specific tariffs override generic bank guidance.

Account maintenance / shortfallSavings Bank average-balance non-maintenance penalty is waived from 11 March 2020 under SBI's current revised-service-charge index; separate account/service fees can still apply.

Debit-card feesDebit-card issuance/annual/replacement pricing remains variant- and account-linked. BSBD/basic RuPay ATM-cum-Debit Card treatment is separately free under the reviewed basic-account evidence.

ATM pricingFor ordinary Savings variants covered by the 1 December 2025 notice (excluding BSBD, KCC and Salary Package), five other-bank ATM/ADWM transactions are free monthly at all centres; post-free pricing is ₹23 + GST financial and ₹11 + GST non-financial.

Cash / branch chargesBranch/cash pricing remains account/service-specific; no single SBI cash-handling rate is inferred across Savings, Salary, BSBD and business products.

Transfer chargesDigital transfer pricing is rail/channel specific. The fee ledger does not convert one IMPS/NEFT/RTGS waiver or charge into a universal transfer fee.

Cheque / service chargesCheque books, DDs and branch-service charges remain governed by the matching SBI account/service tariff; exact values are only surfaced when the source identifies the product scope.

Digital-service feesSBI Unipay's reviewed digital bill-payment channels are nil-charge to the customer; underlying biller/card/tax charges remain separate where applicable.

Waivers / relationship overridesBSBD/basic, KCC, Salary Package and other programme concessions are retained as scoped overrides rather than treated as bankwide fee waivers.

Effective-date ruleCurrent and announced-future charges are stored separately. A future-effective row cannot replace the current tariff before its effective date.

Future-effective changesSBI has announced that the maximum free other-bank ATM/ADWM transactions for Salary Package Account holders becomes five per month from 1 October 2026; current Salary Package pages can still show the pre-change allowance before that date.

Normalized fee ledger

Current and future rows stay distinguishable.

Every row carries its own scope, channel, effective state and first-party source.

current · 2020-03-11account-maintenance · account

Savings Bank Accounts — Average-balance non-maintenance penalty waived

Does not waive unrelated service charges.

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current · 2025-12-01atm · other-bank ATM/ADWM

Ordinary Savings excluding BSBD, KCC and Salary Package — 5 free/month; thereafter ₹23 + GST financial and ₹11 + GST non-financial

Dated notice is more specific than generic ATM copy for this scope.

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current · current-sourcebill-payment · Retail Internet Banking / YONO / YONO Lite / supported digital channels

SBI Unipay customer-side digital bill payment — Nil SBI customer service charge

External biller/payment-instrument charges remain separate.

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current · current-sourcedebit-card · Basic RuPay ATM-cum-Debit Card

SBI Basic Savings Bank Deposit Account / Small Account — Free issuance; no annual maintenance charge under reviewed basic-account terms

Relationship-specific basic-account benefit.

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future · 2026-10-01atm · other-bank ATM/ADWM

Salary Package Account holders — Maximum 5 free transactions/month (financial + non-financial)

Future-effective on the review date; do not apply before 1 October 2026.

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Maintained terms

Fees, balances, benefits, limits and eligibility without a single-score shortcut.

These six fields are the cross-product layer. The specialist section above controls whenever a type-specific field is more precise.

Waivers / free-service treatmentCurrent SBI material includes nil online/digital charges in several contexts, including SBI Unipay bill payments and product-specific digital transfers, while BSBD/basic products retain their own protected basic-service treatment.

Who the tariff applies toApplies to SBI customers only after identifying the exact deposit/account programme, debit card and service channel.

Fit & cautions

Who this record appears designed for—and what can break the fit.

Best-fit wording summarizes the published proposition. It is not individualized financial advice or an approval prediction.

Potential fit

SBI customers comparing the practical cost of a Savings, Salary or Basic account and wanting to distinguish current charges from announced future changes.

Verify before relying

SBI's generic ATM information and its dated 1 December 2025 ATM/ADWM charge notice are not fully aligned; the dated tariff notice is kept as the pricing anchor for the ordinary Savings scope it explicitly covers.
SBI has already announced a Salary Package other-bank ATM free-count revision effective 1 October 2026. Because the review date is 10 September 2026, that future rule is stored as future-effective and is not applied as today's charge.
BSBD/FI/KCC and Salary Package exclusions mean an ordinary Savings charge must never be copied to every SBI customer.

Maintained comparisons

Compare this product only where the pair is deliberately maintained.

Both sides keep independent review dates, exact conditions and first-party evidence. No winner score is generated.

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